Search found 784 matches

by junior
Wed Jun 26, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Ally savings acct lowers rate by 10bp to 2.1%
Replies: 32
Views: 3169

Re: Ally savings acct lowers rate by 10bp to 2.1%

I'd consider opening a no penalty cd for the slightly higher interest rate, but a $ 25,000 CD over 11 months at a slightly higher interest rate would only give me, something like 25 to 50 bucks more in interest, which I'd then have to pay tax on, and it's not worth the trouble IMO.
by junior
Fri Jun 21, 2019 9:09 am
Forum: Personal Finance (Not Investing)
Topic: How to ensure POA is acting in best interest of grantor?
Replies: 65
Views: 3492

Re: How to ensure POA is acting in best interest of grantor?

If your mother is of sound mind, I would think only your mother has the ability to do anything legally speaking.
by junior
Wed Jun 19, 2019 8:51 pm
Forum: Personal Consumer Issues
Topic: Dealer 30K Service for 2017 RAV4--Unusual Items?
Replies: 49
Views: 3481

Re: Dealer 30K Service for 2017 RAV4--Unusual Items?

If the car needed fuel additive the manual should say so, and as far as I can tell it does not.
by junior
Tue Jun 18, 2019 11:23 pm
Forum: Investing - Theory, News & General
Topic: Should I abandon the Total International Stock Index Fund for greener pastures?
Replies: 110
Views: 9695

Re: Should I abandon the Total International Stock Index Fund for greener pastures?

I have a question for people on both sides of this issue. What would it take to change your mind? Or to put it scientifically, what would it take to falsify your theory? Get back to me between 2039 and 2049 when I might need to sell stocks to fund retirement. I care about how stocks will do over a ...
by junior
Mon Jun 17, 2019 10:51 pm
Forum: Investing - Theory, News & General
Topic: Should I abandon the Total International Stock Index Fund for greener pastures?
Replies: 110
Views: 9695

Re: Should I abandon the Total International Stock Index Fund for greener pastures?

Vanguard expects developed international to outperform U.S in the future, see their most recent annual economic report. I trust their view more than the random people on this message board.
by junior
Tue Jun 11, 2019 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: How best to give broker payment to get apartment and win a race
Replies: 14
Views: 1343

Re: How best to give broker payment to get apartment and win a race

I wanted to pay someone $4500 in a hurry recently and used Zelle. Even though the limit on a Zelle payment at my bank (Wells Fargo) is $2500 I found that if I could send an "expedited" payment for $2100 and a "pay now" payment for $2400 within minutes of each other. Don't know if that will still wo...
by junior
Sun Jun 09, 2019 9:48 am
Forum: Investing - Theory, News & General
Topic: The Intelligent Investor – Kindle daily deal
Replies: 3
Views: 589

Re: The Intelligent Investor – Kindle daily deal

Are the tables in the book's kindle version readable? One of the reviews on Amazon says they are too low resolution.
by junior
Sun Jun 09, 2019 9:40 am
Forum: Personal Finance (Not Investing)
Topic: How are your 30s financially different than your late 20s?
Replies: 47
Views: 5682

Re: How are your 30s financially different than your late 20s?

My personal medical expenses did not increase dramatically in my 30s. Of course results may vary by person.
by junior
Fri Jun 07, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: New Camry Questions
Replies: 54
Views: 2555

Re: New Camry Questions

I would definitely get blind spot detection- but it's actually not just blind spot detection. On the Camry that blind spot detection package includes " Rear Cross-Traffic Alert (RCTA) " which mean it beeps if you are about to back up into someone. There's no monthly charge for either feature you men...
by junior
Wed Jun 05, 2019 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house without a garage?
Replies: 95
Views: 5944

Re: Would you buy a house without a garage?

I don't see the big deal of not having a garage and occasionally having to dig yourself out in the snow. I'd be more concerned about whether there's enough street parking.
by junior
Tue Jun 04, 2019 12:02 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8263

Re: Costco or Sam's Club?

Where I am Sam's has a bunch of self checkout registers so traffic moves quickly. I don't believe Costco had those last time I was in one.
by junior
Wed May 29, 2019 7:32 am
Forum: Personal Consumer Issues
Topic: Donating my 2002 Toyota Corolla
Replies: 12
Views: 1220

Re: Donating my 2002 Toyota Corolla

My state's DMV site has instructions on what to do when donating a car. (comes up in a google search).

I would probably just follow those instructions.
by junior
Fri May 10, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Disability: Fibromyalgia
Replies: 31
Views: 3541

Re: Social Security Disability: Fibromyalgia

If possible, try to get an attorney from the very start of the process. I can tell you that a lawyer I know at a non-profit thinks that some attorneys are very unethically charging too much for the small amount of work they are doing at the start of this process for the most vulnerable members of t...
by junior
Fri May 10, 2019 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Disability: Fibromyalgia
Replies: 31
Views: 3541

Re: Social Security Disability: Fibromyalgia

I helped a friend get SSI. 1. You need a lawyer. This is not true. A social worker can help you fill out the application. You can also do it yourself. You do not need a lawyer to fill out the application, consider only getting a lawyer if you need to appeal the initial decision if it's rejected.
by junior
Fri May 03, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: Europe with teens - hotel options
Replies: 42
Views: 2729

Re: Europe with teens - hotel options

So we're going to Europe with our two teens, 14 and 16. I had *assumed* we could just book a hotel room with two large beds and things would work out great. Turns out: - Hotels want to know who is staying - "4 adults" often results in: "We cannot accommodate 4 adults per room at this hotel" - "4 ad...
by junior
Wed May 01, 2019 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: What if I Never Buy a House?
Replies: 109
Views: 15976

Re: What if I Never Buy a House?

I have an interesting question to ask those who live in apartment / condos / town homes with shared walls with the at least one wall (bedroom). If you have kids, and say the kids have their own bedroom and the other wall is shared by a young couple mid 20-30's and very loud *ahem* noises at night ....
by junior
Wed Apr 24, 2019 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Possible Divorce: Pension & Job Options
Replies: 47
Views: 4899

Re: Possible Divorce: Pension & Job Options

I find it funny that people who don't know OP or spouse think OP should "save the marriage" :oops: Spouse could be a serial killer for all people here know.
by junior
Tue Apr 23, 2019 8:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 967
Views: 97115

Re: "S&P 500 Index closes at record high"

Unless you sold your stocks today I'm not sure how the S&P Index closing at a record high is anything to cheer about :| It's really in many ways just pretend money until you sell.
by junior
Wed Apr 10, 2019 7:15 pm
Forum: Personal Investments
Topic: International under-performance
Replies: 204
Views: 12994

Re: International under-performance

so here is the million dollar question - if there is so much disagreement in this thread and no consensus WHY is there a strong consensus among all the top financial institutions regarding International - Schwab, Fidelity, Vanguard are all consistently predicting that International will outperform ...
by junior
Wed Apr 10, 2019 2:58 pm
Forum: Personal Investments
Topic: International under-performance
Replies: 204
Views: 12994

Re: International under-performance

Please explain how Europe, Japan, China, etc. could realistically change enough over this limited period of time. The issues there aren't amenable to quick solutions. Japan solving its demographic problem by immigration? China becoming a free-market capitalist system? Europe becoming more sharehold...
by junior
Wed Apr 10, 2019 11:30 am
Forum: Personal Investments
Topic: International under-performance
Replies: 204
Views: 12994

Re: International under-performance

Please explain how Europe, Japan, China, etc. could realistically change enough over this limited period of time. The issues there aren't amenable to quick solutions. Japan solving its demographic problem by immigration? China becoming a free-market capitalist system? Europe becoming more sharehold...
by junior
Fri Mar 29, 2019 9:26 am
Forum: Personal Consumer Issues
Topic: My data has been breached (again)
Replies: 13
Views: 1499

Re: My data has been breached (again)

I also asked that my record, or at least my sensitive PII be expunged from their system immediately. You don't want your degree/credit information to remain on record and be verifiable? Does that require storing the social security number? I believe foreign students aren’t necessarily issued social...
by junior
Fri Mar 29, 2019 8:24 am
Forum: Personal Investments
Topic: $480K, no job, special needs kids, what to do?
Replies: 52
Views: 5516

Re: $480K, no job, special needs kids, what to do?

bestbet4me wrote:
Thu Mar 28, 2019 9:41 pm


Thank you for responding. Can't move because my kid's Doc's are here - special thing. Re risk - me too ;-)

P
Are the docs where you live really irreplaceable? Do they have access to special medicine or therapy that no doctors anywhere else have?
by junior
Fri Mar 22, 2019 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: 60 YOs ask a BH for advice - 200K+ student loan debt, and more...
Replies: 66
Views: 4439

Re: 60 YOs ask a BH for advice - 200K+ student loan debt, and more...

Be very careful about how this is done though. You don't want to consolidate federal loans into a private loan or otherwise change the character of the loan in some way that makes it ineligible for a forgiveness program. This is true, and she'll probably get loan consolidation offers in the mail of...
by junior
Thu Mar 21, 2019 9:50 am
Forum: Personal Finance (Not Investing)
Topic: 60 YOs ask a BH for advice - 200K+ student loan debt, and more...
Replies: 66
Views: 4439

Re: 60 YOs ask a BH for advice - 200K+ student loan debt, and more...

The federal employee with student debt should look into the 10 year public service loan forgiveness. But she should not assume she is eligable without consolidating and getting the loans on the right payment plan and obtaining confirming certification paperwork. She would also have to be with eligab...
by junior
Tue Mar 05, 2019 9:13 am
Forum: Personal Finance (Not Investing)
Topic: 401K loan to help son in college?
Replies: 27
Views: 1343

Re: 401K loan to help son in college?

You are overthinking things. Neither choice will make a noticeable difference. Do the simplest option.
by junior
Fri Mar 01, 2019 8:36 pm
Forum: Personal Consumer Issues
Topic: Help negotiating a Federal position
Replies: 43
Views: 1919

Re: Help negotiating a Federal position

On the flip-side of the coin, the fed health benefits are great, access to the TSP, and she will be building a pension for retirement! Couple notes: 1. She will be paying into the pension. It is not 100% employer paid. 2. Fed health benefits are medicore, not great. First problem is there is a zill...
by junior
Thu Feb 28, 2019 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Does it take a 3rd party to help with student loan forgiveness?
Replies: 8
Views: 543

Re: Does it take a 3rd party to help with student loan forgiveness?

Or can one do it easily enough on his/her own? I ask because my school just got spammed with a salesperson offering this service (for a fee). You should be able to very, very carefully read the rules and do it on your own. People get in trouble because they are not careful about the specifics of th...
by junior
Tue Feb 19, 2019 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Family member duped into life insurance -- any recourse?
Replies: 84
Views: 7465

Re: Family member duped into life insurance -- any recourse?

At the end of the day I know it was her responsibility to understand this policy before signing, or informing me, and that there is likely no recourse here. Thank you! Seems likely to me that you had it correct in your original post. How could civilization function if anyone could just say I didn't...
by junior
Tue Feb 19, 2019 3:11 pm
Forum: Personal Investments
Topic: strategy to re-enter the market
Replies: 47
Views: 4235

Re: strategy to re-enter the market

For those exited the market 5+ years ago for whatever reason, what is the recommended portfolio to re-enter the current crazy market for both retirement and non-retirement accounts. Assuming 10+ years away from retirement. As far as the common boglehead thinking goes, its not recommended that you l...
by junior
Sat Feb 16, 2019 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: brother purchasing consulting firm with delayed majority ownership
Replies: 17
Views: 1520

Re: brother purchasing consulting firm with delayed majority ownership

gips wrote:
Sat Feb 16, 2019 1:25 pm
However, his lawyer specializes in real estate and trust and did some "business transactions early in his career" so I'm not expecting real expertise.

best,
So get a different lawyer?
by junior
Sat Feb 09, 2019 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Buying house with son [and his girlfriend]
Replies: 169
Views: 5866

Re: Buying house with son [and his girlfriend]

I'm also confused at the reference to mortgage insurance. I'm not aware of any type of mortgage insurance that protects your investment in the property or your son or girlfriend's equity. It protects the lender if they have to foreclose and they are still losing money after they take your entire inv...
by junior
Sat Feb 09, 2019 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Buying house with son [and his girlfriend]
Replies: 169
Views: 5866

Re: Buying house with son [and his girlfriend]

The obvious problem with the arrangement is it might be emotionally uncomfortable for the son and girlfriend to have their home situation under the control of whatever legal arrangement OP and OP's attorney come up with. It's not even clear to me why the son and girlfriend are considering this arran...
by junior
Fri Jan 25, 2019 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice coming out of bad situation
Replies: 49
Views: 4043

Re: Need advice coming out of bad situation

Two thoughts: Do you have enough money to pay off the credit card today in a bank account? That seems like a ticking time bomb if you run out of 0% offers. Are you also aware some employers make you pay off the 401K loan immediately upon leaving the company or it counts as a taxable distribution and...
by junior
Fri Dec 28, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: How much house can my daughter afford
Replies: 52
Views: 3856

Re: How much house can my daughter afford

I don't understand why so many folks are in such a hurry to buy a house. What is the point of tying up so much of your money in a single asset? Shortly after getting married (3 months), my wife and I purchased our single family home for $77,000 and financed almost all with a VA loan. Today, 40 year...
by junior
Mon Dec 24, 2018 11:58 am
Forum: Personal Investments
Topic: Do I really need a separate EF? [Emergency Fund]
Replies: 26
Views: 963

Re: Do I really need a separate EF?

I have a $10k EF right now in online savings (maybe 2 months expenses), but honestly I'd rather have the money working for me in my taxable investment account. What's wrong with just selling some of my stocks or bonds (maintaining AA w/ tax efficient sale) if I need cash beyond a month? Credit card...
by junior
Sun Dec 23, 2018 10:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard says international will beat US stocks in next decade
Replies: 155
Views: 15927

Re: Vanguard says international will beat US stocks in next decade

When Vanguard says international will outperform, they mean developed international. I don't think corruption is an issue.
by junior
Wed Oct 24, 2018 2:09 pm
Forum: Personal Investments
Topic: Considering Leaving Vanguard [due to incompatibility with Mint]
Replies: 8
Views: 1034

Re: Considering Leaving Vanguard [due to incompatibility with Mint]

Recently Vanguard has made a security feature mandatory, requiring that users sign up to receive a notification every time their account is logged into from an unrecognized device. This is a great feature, except that Vanguard is no longer compatible with Mint.com when the feature is enabled. What ...
by junior
Tue Oct 23, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: Apple TV vs Roku
Replies: 14
Views: 1292

Re: Apple TV vs Roku

I prefer the Roku remotes. I believe Roku is also cheaper.
by junior
Tue Oct 23, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 17453

Re: Where would you go for financial guidance if you win the Megamillions?

Guy who runs the mega millions lottery says the first thing you should do if you win is to sign the ticket. It could be stolen and claimed by someone else. However, I wonder if you want to sign your own name to the ticket, or should you get an attorney to create a trust or LLC to claim the ticket t...
by junior
Thu Oct 18, 2018 9:45 am
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 12108

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

Vanguard’s yearly economic report says international is expected to outperform U.S. stock due to valuations. Just saying.
by junior
Wed Oct 17, 2018 11:22 am
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 12108

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

+1 Exactly! Most posts like this just seem to seek validation and are not really actionable. I am guessing when International outperforms US we'll see more threads like" Why Int'l investing is so important" and "New recommendation to hold minimum 30% Int'l". Sadly by then you may have already misse...
by junior
Tue Oct 16, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 630
Views: 68770

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I have never chased rewards, so I have a logistical question. All of my money is in my local credit union. How do I get such a significant chunk moved externally? In order to put a down payment on my mortgage I had to do a wire transfer, at something like $50 cost. To get my money to and from Ally,...
by junior
Sun Oct 07, 2018 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Student loan payoff help
Replies: 19
Views: 2033

Re: Student loan payoff help

You should check if you wife is eligible for loan forgiveness. The federal site says: If you want to qualify for Public Service Loan Forgiveness now or in the future, complete and submit the Employment Certification form as soon as possible. Too many borrowers wait to submit this important form unti...
by junior
Wed Oct 03, 2018 12:17 pm
Forum: Investing - Theory, News & General
Topic: [WSJ] The ‘Dumb’ Money Is Bailing on U.S. Stocks. That’s Smart.
Replies: 52
Views: 6948

Re: [WSJ] The ‘Dumb’ Money Is Bailing on U.S. Stocks. That’s Smart.

WhiteMaxima wrote:
Wed Oct 03, 2018 11:29 am
US companies have a lot of revenue form overseas. Apple, Amazon, Coke-Cola, MSFT, Google. I haven't seen their international competitors yet.
You've certainly seen Apple's competitor, not only do they compete with Apple but ironically they also help Apple make their phones!
by junior
Wed Oct 03, 2018 10:53 am
Forum: Investing - Theory, News & General
Topic: [WSJ] The ‘Dumb’ Money Is Bailing on U.S. Stocks. That’s Smart.
Replies: 52
Views: 6948

Re: [WSJ] The ‘Dumb’ Money Is Bailing on U.S. Stocks. That’s Smart.

Out of those 466 rolling 10-year periods, international stocks outperformed US stocks in 246 periods or roughly 53% of the time. If this is true it's pretty amazing. If you go by the typical discussion on this board you'd have a bias against international- with threads like "international stocks ar...
by junior
Tue Sep 25, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: Vacation without saving adequately?
Replies: 70
Views: 5379

Re: Vacation without saving adequately?

We were approached by a couple who wants to go on a ski trip this winter. We will likely not be able to save up enough to cover the costs without dipping into savings. We are in a comfortable position, fully contributing to our 401k and Roths and have 6 months of expenses tucked away. I am feeling ...
by junior
Tue Sep 18, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: HOA Donation in Remembrance of Deceased Owner
Replies: 40
Views: 3288

Re: HOA Donation in Remembrance of Deceased Owner

If you sued then the HOA money would be used to defend the lawsuit, so you are not going to benefit. Seems you should let it go.