Search found 1864 matches

by student
Thu May 24, 2018 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Free to freeze and unfreeze your credit report
Replies: 7
Views: 571

Re: Free to freeze and unfreeze your credit report

Here's the official source: S.2155 - 115th Congress (2017-2018): Economic Growth, Regulatory Relief, and Consumer Protection Act | Congress.gov | Library of Congress Latest action: 05/24/2018 Became Public Law No: 115-174. TITLE III--PROTECTIONS FOR VETERANS, CONSUMERS, AND HOMEOWNERS (Sec. 301) Th...
by student
Thu May 24, 2018 7:57 pm
Forum: Investing - Theory, News & General
Topic: The Millionaire Next Door and civil servants
Replies: 94
Views: 12623

Re: The Millionaire Next Door and civil servants

I think it should be clarified that Thomas Stanley was a college professor that was on the faculty of several state colleges. He himself was likely the beneficiary of government pensions. The notion that he had a negative view on civil servants or pensions misrepresents the book and the man. At lea...
by student
Thu May 24, 2018 5:25 am
Forum: Personal Finance (Not Investing)
Topic: I've never budgeted sucessfully
Replies: 40
Views: 2675

Re: I've never budgeted sucessfully

I use to do a budget and keep track of my expenses. I stopped doing this a while ago after my friend made a good argument against it. His argument is essentially the exercise takes too much time and is not needed unless one is spending too much. These days, I use a simpler approach. After I put away...
by student
Thu May 24, 2018 5:15 am
Forum: Personal Finance (Not Investing)
Topic: govt vs. private job offers: please help me decide!
Replies: 29
Views: 1813

Re: govt vs. private job offers: please help me decide!

I would eliminate Job 3 and Job 4 as I think they are strictly inferior to Job 2. Given that you have multiple offers, the job market must be good and you are a desirable candidate. If you are a risk-taker, then take Job 1; otherwise, take Job 2. Personally, I would take Job 2 for the stability and ...
by student
Wed May 23, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 185
Views: 9744

Re: how do you tip on wine at a restaurant

I agree that 20% seems to be something that arose in the last decade. It was always customary to tip 15% AFAIK up until ???. I blame those pay at the table machines at Chilis/Applebees/BWW/etc. that start you out at 20%. You may find this article interesting. It mentioned the 20% default as you hav...
by student
Wed May 23, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 185
Views: 9744

Re: how do you tip on wine at a restaurant

I also have qualms about the "standard" tip percentage moving up from 10 to 12 to 15 to 18 to 20 percent, with some suggesting that 25 percent is usual. I perhaps attribute this to all of the people who work as servers or formerly worked as servers raising the bar on the rest of us, but I'm not sur...
by student
Wed May 23, 2018 2:27 pm
Forum: Investing - Theory, News & General
Topic: The Millionaire Next Door and civil servants
Replies: 94
Views: 12623

Re: The Millionaire Next Door and civil servants

I believe that White Coat Investor says that around 20% of M.D.s at age 60 have a net worth under $300k, barely more than the median household net worth for 65-69 year olds in the U.S. I found this surprising but after checking the data, it is not too far off, if any. https://www.beckersasc.com/asc...
by student
Wed May 23, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken - Do you use it?
Replies: 47
Views: 1972

Re: Quicken - Do you use it?

Just a data point. I started using such software in 1997. I used Money but switched to Quicken after Money was discontinued. These days, I don't use such software anymore.
by student
Wed May 23, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Financial and retirement issues associated w/ moving to Canada
Replies: 11
Views: 798

Re: Financial and retirement issues associated w/ moving to Canada

Getting on the permanent residency/citizenship track can be a challenge. You need to be aware not only of the federal Canadian requirements, but also the individual province requirements. Essentially, you don’t just move to Canada, you move to BC, or Quebec, or Ontario. Maybe I misunderstood you. A...
by student
Tue May 22, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 185
Views: 9744

Re: how do you tip on wine at a restaurant

Personally, I am a repeat customer of a few restaurants, so they know me and I get relatively good service, thus the tips is on the high end of the range (and over it a number of times.) Are you getting relatively good service because you are a repeat customer and the servers know you (and, thus, t...
by student
Tue May 22, 2018 6:21 am
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 185
Views: 9744

Re: how do you tip on wine at a restaurant

http://money.cnn.com/pf/features/lists/tipping/ RESTAURANTS/BARS Waiter/waitress: 15% of bill (excl. tax) for adequate service; 20% for very good service; no less than 10% for poor service Headwaiter/captain: often gets a cut of table server's tip; so tip your server extra to reward captain, or tip...
by student
Tue May 22, 2018 5:41 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 96
Views: 9769

Re: done with Gmail

There is a guy in the UK who tries to use my email (xyz@gmail.com) but since I use that he then tries x.yz or xy.z Google strips the '.' so when this guy gives out an address for correspondence (x.yz or varient) the original xyz acct (me) gets all of it. Since Gmail treats xyz is the same as x.yz, ...
by student
Tue May 22, 2018 5:38 am
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 61
Views: 8394

Re: Chase Savings Account emptied out!

I don't understand why banks don't send you an email that says "Please log in to confirm/deny new electronic transfer" when an ACH request comes in from a new source. Because the financial world would come to a stop. Literally tens if not hundreds of millions of transactions every day. Cheers Actua...
by student
Mon May 21, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 185
Views: 9744

Re: how do you tip on wine at a restaurant

I drink wine with dinner at home but always order beer with dinner when I dine out. I think that wine prices in restaurants are just too much of a rip-off, and I won't pay it. That describes me, as well. I often pay $5 to $6 for a good craft beer. I believe it costs about $2.00 to $2.20 wholesale f...
by student
Mon May 21, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 185
Views: 9744

Re: how do you tip on wine at a restaurant

I drink wine with dinner at home but always order beer with dinner when I dine out. I think that wine prices in restaurants are just too much of a rip-off, and I won't pay it. That describes me, as well. I often pay $5 to $6 for a good craft beer. I believe it costs about $2.00 to $2.20 wholesale f...
by student
Mon May 21, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Finance a $28,000 house for Brother?
Replies: 73
Views: 5126

Re: Finance a $28,000 house for Brother?

Another "idea" - all you can lose is your money :) if you have the cash, go to a credit union where BOTH of you are (or can be) members. Deposit the $28,000 in savings (or perhaps Certificates/CDs) and have brother get a "share secured" loan with your savings "pledged" on his loan. As he pays down ...
by student
Mon May 21, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Older iPhone text msgs disappear
Replies: 25
Views: 1065

Re: Older iPhone text msgs disappear

I wonder whether it is your phone alone or the server and the phone together is causing the problem. I am thinking it is not the phone along. One thing you can try is to "link" iMessaging system of your phone to your mac/ipad if you have one. Then you can see whether the messages disappear from your...
by student
Mon May 21, 2018 6:28 am
Forum: Personal Consumer Issues
Topic: Older iPhone text msgs disappear
Replies: 25
Views: 1065

Re: Older iPhone text msgs disappear

The only thing I can think of is the keep message setting in Settings->General->Messages but I assume the people at Apple has already looked into it.
by student
Mon May 21, 2018 6:02 am
Forum: Investing - Help with Personal Investments
Topic: 401k investment choices
Replies: 3
Views: 225

Re: 401k investment choices

I would pick

Large Blend
BTC US Equity Market Index Fund (USEQF), ER 0.08 (because it is an index fund with low ER)

and

International Large Blend
Dodge & Cox International Stock (DODFX), ER 0.64 (good reputation and relatively low ER for an active fund as the list does not have an index fund)
by student
Mon May 21, 2018 5:28 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 96
Views: 9769

Re: done with Gmail

Is it a common/simple account (like xyz :D )? If so, you might be getting spam from people signing up for fake or throwaway accounts. Many websites ask for an email to create an account before you can get access to the site. If someone just entered something for a throw away account (john.smith@gma...
by student
Mon May 21, 2018 5:27 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 96
Views: 9769

Re: done with Gmail

There is a guy in the UK who tries to use my email (xyz@gmail.com) but since I use that he then tries x.yz or xy.z Google strips the '.' so when this guy gives out an address for correspondence (x.yz or varient) the original xyz acct (me) gets all of it. Since Gmail treats xyz is the same as x.yz, ...
by student
Mon May 21, 2018 5:14 am
Forum: Personal Finance (Not Investing)
Topic: Finance a $28,000 house for Brother?
Replies: 73
Views: 5126

Re: Finance a $28,000 house for Brother?

https://www.trulia.com/p/tx/brownsville/2628-yolanda-st-brownsville-tx-78521--2071564852 Here is a link to the house I used to live in for those who think a 20k or 30k house doesn't exist or must be condemned. The owner never made a repair in the years I lived there. Property taxes are 400/yr or so...
by student
Sun May 20, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Finance a $28,000 house for Brother?
Replies: 73
Views: 5126

Re: Finance a $28,000 house for Brother?

https://www.trulia.com/p/tx/brownsville/2628-yolanda-st-brownsville-tx-78521--2071564852 Here is a link to the house I used to live in for those who think a 20k or 30k house doesn't exist or must be condemned. The owner never made a repair in the years I lived there. Property taxes are 400/yr or so...
by student
Sun May 20, 2018 7:01 am
Forum: Investing - Help with Personal Investments
Topic: Newly widowed, how do I invest 1.5 million life ins. proceeds
Replies: 72
Views: 7676

Re: Newly widowed, how do I invest 1.5 million life ins. proceeds

I am very sorry for your loss. I agree with cdu7 that one should be more conservative in this situation. Since you are only 42, I will use a 3% withdrawal rate (with inflation adjustment). This gives around $4,000 a month. This gives $8,000 a month with SS. So you are $1,000 short. Can you trim the ...
by student
Sun May 20, 2018 6:03 am
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 5529

Re: What’s your phone/internet bill?

My phone bill is $3 a month which gets me 7GB/month of 4G. Are you sure it isn't $30? :shock: I think AlohaJoe lives in Vietnam. According to this https://www.numbeo.com/cost-of-living/country_result.jsp?country=Vietnam cost of living is low. https://www.contentedtraveller.com/getting-best-sim-card...
by student
Sat May 19, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 185
Views: 9744

Re: how do you tip on wine at a restaurant

Why does an expensive bottle of wine deserve more tip than a cheap bottle of wine? Because the waitstaff must claim tips to the IRS based on a straight percentage of the total bill (pretax). They must claim 100% of the tip, but at least 8% of the bill, whichever is greater. 8% is a pretty low bar, ...
by student
Sat May 19, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 185
Views: 9744

Re: how do you tip on wine at a restaurant

Why does an expensive bottle of wine deserve more tip than a cheap bottle of wine? Because the waitstaff must claim tips to the IRS based on a straight percentage of the total bill (pretax). They must claim 100% of the tip, but at least 8% of the bill, whichever is greater. 8% is a pretty low bar, ...
by student
Sat May 19, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: Xfinity Mobile phone service
Replies: 8
Views: 657

Re: Xfinity Mobile phone service

SlowMovingInvestor wrote:
Sat May 19, 2018 8:36 am
What happens if you drop Comcast cable/internet service after signing up for XFinity Mobile ?
http://forums.xfinity.com/t5/Customer-S ... -p/3041629
by student
Sat May 19, 2018 6:28 am
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 5529

Re: What’s your phone/internet bill?

Internet and cable: Almost $200 with Comcast and I am having a difficulty negotiating for a deal. I called a few times without success.
Cell phone: $40-$50 with tmobile depending on usage.
Landline: Over $40. I am having trouble giving this up.
by student
Fri May 18, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile phone service
Replies: 8
Views: 657

Re: Xfinity Mobile phone service

It's not actually "free" like they say, because they tack on mystery fees. Still, it's a good deal. You get 100mb of free data per month, which is good because the LG phone they sell uses data even when data is supposedly off. (Do all Android phones have such leakage or only LG, I wonder?) I believ...
by student
Fri May 18, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 185
Views: 9744

Re: how do you tip on wine at a restaurant

[Personally I think the way the US tipping structure has evolved is silly . . . . Speaking of evolution, I'm astounded that the going tip rate now appears to be 20%. Whatever happened to 15% as the "standard" percentage? was thinking the same thing. You may find this article interesting. http://www...
by student
Fri May 18, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: 401k fund pick options - help me choose
Replies: 7
Views: 384

Re: 401k fund pick options - help me choose

All are reputable so I will pick based only on ER.
by student
Fri May 18, 2018 5:56 am
Forum: Personal Consumer Issues
Topic: Buy now and wait one more year to move in?
Replies: 17
Views: 1906

Re: Buy now and wait one more year to move in?

I also don't understand why you cannot move now. I would suggest start looking now as it may take a while to find the place that you like.
by student
Thu May 17, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 185
Views: 9744

Re: how do you tip on wine at a restaurant

I also tip on the total not the sub-total as I know some cheapskates do. It is very nice of you that you tip on the total but there is no need to call others who tip on the sub-total cheapskates. I think it is an acceptable practice to tip based on pre-tax total as per Emily Post Institute. http://...
by student
Thu May 17, 2018 5:26 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage decision killing me
Replies: 52
Views: 6554

Re: Mortgage decision killing me

I think there are good arguments for both options. But you said you are a risk averse person. Then I think 30 years in the better option.
by student
Wed May 16, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 185
Views: 9744

Re: how do you tip on wine at a restaurant

I treat the wine as the same as the other food items when calculating tips but I don't order expensive wine.
by student
Tue May 15, 2018 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Any way to buy fractional shares of index funds?
Replies: 4
Views: 463

Re: Any way to buy fractional shares of index funds?

Fractional shares will not be an issue as you specify the dollar amount. However, many funds have minimum balance requirement and minimum subsequent purchase requirement, usually at $50.

Edit: Schwab is one of the few exceptions with no minimum requirement.
by student
Tue May 15, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Linking Fidelity accounts in Personal Capital
Replies: 8
Views: 704

Re: Linking Fidelity accounts in Personal Capital

Is there any reason that you want to use Personal Capital? My experience is that the guided portfolio summary in Fidelity is very summary to Personal Capital. They can also import account info from other companies. https://www.fidelity.com/learning-center/personal-finance/retirement/guided-portfoli...
by student
Tue May 15, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Credit card with no credit history
Replies: 15
Views: 851

Re: Credit card with no credit history

You may want to ask the question at https://creditboards.com/forums/ One way is to start being an authorized user in your spouse credit card. Another way is to a secured credit card but only work with a reputable place. Another possibility is apply for an American Express charge card. It used to be ...
by student
Tue May 15, 2018 6:54 am
Forum: Local Chapters and Bogleheads Community
Topic: How did you fall in love with investing?
Replies: 49
Views: 2629

Re: How did you fall in love with investing?

I would not say I love investing but I would like to do it myself rather than paying others to do it. It is primarily out of necessity. With no pension at my job, I have to do the investing myself.
by student
Tue May 15, 2018 6:18 am
Forum: Investing - Help with Personal Investments
Topic: Sell/Wait to meet desired allocation in Fido taxable
Replies: 9
Views: 476

Re: Sell/Wait to meet desired allocation in Fido taxable

7% for a fixed return is great. For your original question, since the capital gain is likely small (< $1000), I would go ahead and make the change now.
by student
Tue May 15, 2018 6:11 am
Forum: Personal Consumer Issues
Topic: Linking Fidelity accounts in Personal Capital
Replies: 8
Views: 704

Re: Linking Fidelity accounts in Personal Capital

Is there any reason that you want to use Personal Capital? My experience is that the guided portfolio summary in Fidelity is very summary to Personal Capital. They can also import account info from other companies. https://www.fidelity.com/learning-center/personal-finance/retirement/guided-portfolio...
by student
Sun May 13, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11188

Re: Avoiding the Hassle Factor

I've looked into the Vanguard index funds/ETFs vs those offered through Fidelity. It appears to me that even though Fidelity index funds/iShares ETFs may have lower ERs, Vanguard's are marginally better in a taxable account. In addition, there is no guarantee that iShares will continue to be commis...
by student
Sun May 13, 2018 6:37 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11188

Re: Avoiding the Hassle Factor

I've read a number of BHs use Vanguard ETFs at Fidelity...of course that comes with the $4.95 per trade fee paid to Fidelity. I know that Fidelity has 2 years of up to 500 trades if a certain dollar amount is moved over....has anyone ever asked Fidelity if that 500 trades could be spread out over 1...
by student
Sun May 13, 2018 6:31 am
Forum: Personal Consumer Issues
Topic: 4 cars for 3 drivers?
Replies: 15
Views: 1109

Re: 4 cars for 3 drivers?

I think it is ok as each car has its specific purpose.
by student
Sat May 12, 2018 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Help! Looking to finally invest - Admiral shares or ETFs?
Replies: 10
Views: 929

Re: Help! Looking to finally invest - Admiral shares or ETFs?

I suggest buying the ETF and use a brokerage firm that will give you a bonus. See https://www.bogleheads.org/forum/viewtopic.php?t=196884 To me, the best deal is Merrill Edge because of the free trades given in the preferred rewards and the credit card bonus. See https://www.bogleheads.org/forum/vie...
by student
Sat May 12, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: Cars similar to Toyota Corolla LE that I should consider for purchase?
Replies: 26
Views: 2065

Re: Cars similar to Toyota Corolla LE that I should consider for purchase?

Look at the Prius Prime. Because it is part electric, it qualifies for a $4500 Federal tax credit and in my state it is eligible for a $1500 rebate. In addition, Toyota was offering an incentive. I bought one a few months ago and it came out to less than $18,000 with the tax incentives---- that's t...