Search found 1172 matches

by Whakamole
Tue Sep 24, 2019 8:22 pm
Forum: Personal Consumer Issues
Topic: Uber - first time user - will I get picked up
Replies: 36
Views: 3994

Re: Uber - first time user - will I get picked up

Schedule your trip in the App. If it says the trip is scheduled, the car is coming. The schedule feature is available in some markets but not others. Also IIRC the schedule feature is not a guarantee and may be canceled if there are no cars available. Scheduling a taxi or shuttle is not a guarantee...
by Whakamole
Mon Sep 23, 2019 11:32 am
Forum: Personal Investments
Topic: Helping widowed mother with investments
Replies: 17
Views: 1834

Re: Helping widowed mother with investments

If your parents lived in a community property state (as mine did), your Mom will receive a step-up in basis to your Dad's DOD, for all the items of in her accounts. In this case, LTCG caused by portfolio moves most likely will be a non-issue. I don't think you can lose with Vanguard PAS, VSCGX or V...
by Whakamole
Sun Sep 22, 2019 2:59 pm
Forum: Personal Investments
Topic: Helping widowed mother with investments
Replies: 17
Views: 1834

Helping widowed mother with investments

My father passed away this year, and until recently he was managing the investment portfolio for my parents. Now that he's gone, I'm stepping in to help my mom; she's not an investment person, and so I'd like to have something as much on autopilot for her as possible. There are some tricks here, inc...
by Whakamole
Sat Sep 21, 2019 6:44 pm
Forum: Personal Consumer Issues
Topic: Car accident - questions (both financial and otherwise)
Replies: 15
Views: 1334

Re: Car accident - questions (both financial and otherwise)

silentfaith wrote: Sat Sep 21, 2019 12:41 pm can i buy your roof rack bars? 2015 rav4 model.....and don't worry it is all in your insurance hands now. you may not hear a word about again.
If you can track down the car. I did snag the cargo netting, you just need to pick it up.
by Whakamole
Sat Sep 21, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: New Camry Questions
Replies: 101
Views: 7167

Re: New Camry Questions

Keep a spare battery in the glove box. Lithium batteries have a long shelf life. Note: some cars need two batteries. That seems like an equally valid solution as well. I think that it was on this forum that I said the lithium ion USB jump starters are worth every penny. You use it once, it's worth ...
by Whakamole
Sat Sep 21, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: New Camry Questions
Replies: 101
Views: 7167

Re: New Camry Questions

Blind spot monitoring is completely useless if you adjust your mirrors properly. Most Americans are not taught the proper way to adjust mirrors...for some reason they think you should see the rear of the car. This is not correct. AAA has a guide that describes how to properly set mirrors: https://s...
by Whakamole
Fri Sep 20, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: Outlook experts question
Replies: 13
Views: 1465

Re: Outlook experts question

I do (1).
by Whakamole
Fri Sep 20, 2019 12:53 pm
Forum: Personal Consumer Issues
Topic: Car accident - questions (both financial and otherwise)
Replies: 15
Views: 1334

Re: Car accident - questions (both financial and otherwise)

If your car was totaled and the other had significantly less damage, get that car. Was it because it was bigger? Size matters along with safety features. Bigger, newer, and also a car I wouldn't drive (Tundra which is a huge pickup.) Fair enough. Check crash tests before you buy. While new is good,...
by Whakamole
Fri Sep 20, 2019 12:38 pm
Forum: Personal Consumer Issues
Topic: Car accident - questions (both financial and otherwise)
Replies: 15
Views: 1334

Re: Car accident - questions (both financial and otherwise)

DrakeSRT wrote: Fri Sep 20, 2019 12:20 pm If your car was totaled and the other had significantly less damage, get that car. Was it because it was bigger? Size matters along with safety features.
Bigger, newer, and also a car I wouldn't drive (Tundra which is a huge pickup.)
by Whakamole
Fri Sep 20, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: Car accident - questions (both financial and otherwise)
Replies: 15
Views: 1334

Re: Car accident - questions (both financial and otherwise)

What car were you driving in the accident? Cars made after say, 2011 are already dramatically safer than the ones before, and it's common for even entry level cars nowadays to have quite sophisticated safety features. I don't think you will need to buy an expensive car to have 90% of the protection...
by Whakamole
Fri Sep 20, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 167
Views: 11946

Re: How hard is it to get into college?

Agreed that things are very different and much more competitive these days. At least it seems like it - that or it's grade inflation. Virginia has overall excellent universities IMHO. She might also consider JMU, which stood for "Just Missed UVA" back in the day. Virginia Tech has a better reputatio...
by Whakamole
Fri Sep 20, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: Car accident - questions (both financial and otherwise)
Replies: 15
Views: 1334

Car accident - questions (both financial and otherwise)

I was in a car accident, where I am being found at-fault. Unfortunately I don't remember much since I got the brunt of the damage. My car will almost certainly be totaled; the other car has more superficial damage. Both parties walked away. I've never been in an accident before as a driver. This has...
by Whakamole
Tue Sep 17, 2019 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Trust or Will - Single never married
Replies: 21
Views: 2272

Re: Trust or Will - Single never married

Ease on the person handling your estate should be foremost on your mind. That goes for as much as possible - living will, health care/financial power of attorneys, whether you want to be buried/cremated/etc. And making sure the right people know about these plans. Handling the death of a loved one i...
by Whakamole
Tue Sep 17, 2019 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Helping elderly parents manage finances - pros and cons
Replies: 62
Views: 5599

Re: Helping elderly parents manage finances - pros and cons

These threads have convinced me that I'm getting PAS when I turn 80 whether I think I need it or not. A possible problem: if you are starting to suffer from cognitive decline, you may be in denial and not want to accept it (many do not), and you may want to retain control over everything you can. I...
by Whakamole
Mon Sep 16, 2019 6:09 pm
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Vs. 2019 Rav 4
Replies: 58
Views: 10065

Re: 2019 Subaru Forester Vs. 2019 Rav 4

Bumping this as this may be a choice for me soon. Any further thoughts? Google forester+CVT problems. You need to decide if that is a deal braking issue for you. The problem with googling random car+random car problem is that people don't post about things if they don't break, so the only results y...
by Whakamole
Mon Sep 16, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: Insurance Issues - suggestions?
Replies: 22
Views: 1760

Re: Insurance Issues - suggestions?

Years ago, my dentist worked around this by also doing a procedure that required anesthesia (removal of wisdom teeth) at the same time.
by Whakamole
Sun Sep 15, 2019 10:57 pm
Forum: Personal Consumer Issues
Topic: Best Printer for my needs? (compact, color prints, scanning)
Replies: 3
Views: 363

Re: Best Printer for my needs? (compact, color prints, scanning)

I have a Brother B&W multifunction (print/scan/copy/fax even) and love it.
by Whakamole
Sun Sep 15, 2019 9:50 pm
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Vs. 2019 Rav 4
Replies: 58
Views: 10065

Re: 2019 Subaru Forester Vs. 2019 Rav 4

Bumping this as this may be a choice for me soon. Any further thoughts?
by Whakamole
Sat Sep 14, 2019 7:06 pm
Forum: Personal Investments
Topic: International Fund Questions – Roth vs. Pre-Tax, FTIHX vs. VTIAX?
Replies: 13
Views: 1166

Re: International Fund Questions – Roth vs. Pre-Tax, FTIHX vs. VTIAX?

Between total US and total international stock funds, is there a better one to keep in Roth? I'm at a 100% stock allocation, so I don't have any bond funds competing for space in any tax-advantaged accounts. International stocks are eligible for the foreign tax credit if held in taxable. You lose t...
by Whakamole
Sat Sep 14, 2019 6:15 pm
Forum: Personal Investments
Topic: International Fund Questions – Roth vs. Pre-Tax, FTIHX vs. VTIAX?
Replies: 13
Views: 1166

Re: International Fund Questions – Roth vs. Pre-Tax, FTIHX vs. VTIAX?

I think stock is better held in a Roth, since it will (hopefully) grow - meaning you'll have a larger amount of money that will be available tax-free, and without RMDs. There are arguments here that you should take this into account when determining your asset allocation, but the RMD advantage is hu...
by Whakamole
Sat Sep 14, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Selling an old player piano and lots of song rolls
Replies: 17
Views: 1475

Re: Selling an old player piano and lots of song rolls

gtd98765 wrote: Fri Sep 13, 2019 8:48 pm It is really hard to unload fully working pianos. A player piano that does not work seems like a really heavy paperweight that most people, especially Millennials, will not want.
Why bring up Millennials? I'm GenX and have no space for a piano, much less a need or even a want.
by Whakamole
Sat Sep 14, 2019 9:43 am
Forum: Investing - Theory, News & General
Topic: Vanguard Flagship Services -- Another One Bites the Dust
Replies: 66
Views: 12689

Re: Vanguard Flagship Services -- Another One Bites the Dust

I assume this phase-out of Flagship services is because they want Vanguard customers with 1M+ AUM to pay for this via their Personal Advisory Services instead.... That would certainly dovetail with my recent experiences with Vanguard's annoying push of PAS. First it started with regular emails to b...
by Whakamole
Fri Sep 13, 2019 1:08 pm
Forum: Investing - Theory, News & General
Topic: Rich people are hoarding cash
Replies: 233
Views: 35231

Re: Rich people are hoarding cash

Cash has essentially the same returns as intermediate term bonds, perhaps what wealth managers are seeing is that people are shortening up the maturities of their fixed income investments. Looking at today's US Treasury yield curve, hoarding cash seems like a very rational decision. As of right now...
by Whakamole
Fri Sep 13, 2019 11:56 am
Forum: Investing - Theory, News & General
Topic: Vanguard Flagship Services -- Another One Bites the Dust
Replies: 66
Views: 12689

Re: Vanguard Flagship Services -- Another One Bites the Dust

In my opinion this is an unnecessary service for many do it yourself investors. Yes, there will always be investors who need and value the interaction of an investment professional. And there are many fee only investment professionals available to provide that valuable service. Right, people can ju...
by Whakamole
Thu Sep 12, 2019 1:13 am
Forum: Investing - Theory, News & General
Topic: Index Funds Bubble? [Michael Burry article]
Replies: 254
Views: 34097

Re: Index Funds Bubble? [Michael Burry article]

1) Does this "index fund bubble" apply to bond indices like BND as well? I don't think there is a good answer to this. BND owns a large subset of bonds, but excludes certain bond categories (munis, high yield/junk, TIPS off the top of my head.) It's also weighted towards government bonds, and bonds...
by Whakamole
Wed Sep 11, 2019 4:43 pm
Forum: Investing - Theory, News & General
Topic: “Beating” the market with i bonds
Replies: 30
Views: 5290

Re: “Beating” the market with i bonds

sharx wrote: Wed Sep 11, 2019 1:19 pm This is the first i'm hearing that total bond funds don't hold TIPs, why do they do that?
"Total Bond" excludes a lot of things, not just TIPS. No munis, no junk.

https://www.forbes.com/sites/rickferri/ ... c76c317783
by Whakamole
Wed Sep 11, 2019 11:44 am
Forum: Investing - Theory, News & General
Topic: “Beating” the market with i bonds
Replies: 30
Views: 5290

Re: “Beating” the market with i bonds

Could anyone here argue why, aside from simplicity with multiple accounts, how passive investing can match an ibond for a individuals taxable account. Aside from the 1 year lockout this would run circles around say vanguards tips index fund vaipx when you consider the no expenses and the superior r...
by Whakamole
Tue Sep 10, 2019 9:02 pm
Forum: Personal Investments
Topic: Fidelity Total International Index Fund VS Fidelity Global ex-US Index Fund
Replies: 7
Views: 709

Re: Fidelity Total International Index Fund VS Fidelity Global ex-US Index Fund

I'd go with Total International. The expenses should be about the same (for 'investor' shares, 6bp for Total and 5.5 for Global ex-US), and getting ex-US small caps is worth the exceedingly slight difference in ER.
by Whakamole
Sun Sep 08, 2019 10:24 pm
Forum: Personal Consumer Issues
Topic: Did humanity ever make good Gas cans
Replies: 70
Views: 6962

Re: Did humanity ever make good Gas cans

Another good reason to go electric - we now have a battery powered mower and other lawn tools. It's nice not to have to deal with filling gas cans and keeping highly flammable liquids in an attached garage. Not to mention easier on your ears. Even better, rent - that way you don't have to mess with...
by Whakamole
Fri Sep 06, 2019 8:19 am
Forum: Personal Consumer Issues
Topic: First-hand experiences with United Basic Economy for families?
Replies: 180
Views: 8235

Re: First-hand experiences with United Basic Economy for families?

I'm traveling with 2 adults and 3 small children (ages 4 through 6) soon. I can save $400 or more by choosing Basic Economy instead of Regular Economy. These are the downsides of Basic Economy: --No seating choice: This is the biggest issue when traveling with a family. I can pay to choose seats, b...
by Whakamole
Fri Sep 06, 2019 8:04 am
Forum: Non-US Investing
Topic: Keep new house unoccupied or let sibling mind it rent free? [ex-pat in UAE]
Replies: 31
Views: 3039

Re: Keep new house unoccupied or let sibling mind it rent free?b

It sounds like he'll be a tenant if he's living there, getting his mail, etc. That his rent is zero doesn't mean he isn't a tenant and has rights.
by Whakamole
Thu Aug 22, 2019 8:56 am
Forum: Investing - Theory, News & General
Topic: After-tax 401(k) Matching Statistics/Company Listings/Case Study/etc.
Replies: 25
Views: 1034

Re: After-tax 401(k) Matching Statistics/Company Listings/Case Study/etc.

I would be ecstatic at having a plan that offers after-tax 401(k) at all. My employer has this, I'm very grateful.

Your scenarios seem like they could be solved by a catch-up provision.
by Whakamole
Thu Aug 22, 2019 8:38 am
Forum: Investing - Theory, News & General
Topic: Bullish/bearish on GE? Make your case here - new lows today
Replies: 74
Views: 8227

Re: Bullish/bearish on GE? Make your case here - new lows today

Has there ever been a case of a company being dropped from the Dow and being reinstated later? https://en.wikipedia.org/wiki/Historical_components_of_the_Dow_Jones_Industrial_Average Chevron, IBM, Coca-Cola (among current components) - also du Pont, GM, and GE, at least. Stopping looking after that.
by Whakamole
Tue Aug 20, 2019 10:31 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 142
Views: 12318

Re: Ponder this, BH's... is Ben & Jerry's worth it?

+another for tillamook. Without a doubt the best ice scream I have eaten. Plus I like the ingredient list. Unfortunately it only comes in big tubs so I only buy it when we have company and need ice cream. When it is just me I get the single serving Hagendaz to keep my calorie intake down. Tillamook...
by Whakamole
Tue Aug 20, 2019 1:33 pm
Forum: Personal Consumer Issues
Topic: Hiking in the PNW (Seattle) next weekend. What do I need?
Replies: 29
Views: 1820

Re: Hiking in the PNW (Seattle) next weekend. What do I need?

thanks all for the advice thus far. any specific brands/types of shoes and jacket to look for? those are the two apparel necessities i need and don't yet have. thanks! What kind of hike are you doing? For anything more than a basic trail, hiking boots take a while to break in. i just bought these. ...
by Whakamole
Tue Aug 20, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: Hiking in the PNW (Seattle) next weekend. What do I need?
Replies: 29
Views: 1820

Re: Hiking in the PNW (Seattle) next weekend. What do I need?

Bob Sacamano wrote: Tue Aug 20, 2019 5:33 am thanks all for the advice thus far. any specific brands/types of shoes and jacket to look for? those are the two apparel necessities i need and don't yet have.

thanks!
What kind of hike are you doing? For anything more than a basic trail, hiking boots take a while to break in.
by Whakamole
Mon Aug 19, 2019 3:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's "Bogle Site" gone, but most material available at johncbogle.com
Replies: 59
Views: 12958

Re: Vanguard's "Bogle Site" gone? Hopefully just a glitch.

That site hadn't been updated in years. Last speech recorded: 2009. https://web.archive.org/web/20190128051525/http://www.vanguard.com/bogle_site/bogle_speeches.html Last OpEd: 2006. https://web.archive.org/web/20190129174347/http://www.vanguard.com/bogle_site/bogle_oped.html Last book: 2005's "Batt...
by Whakamole
Sun Aug 18, 2019 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 19903

Re: Are you a "solo ager?"

I've seen how much effort it takes for multiple kids to help an ailing/aging parent. I don't have much hope that my nieces/nephews will be there for me if I end up in poor health - and I don't blame them, it's hard enough taking care of their own parents, and if they have families of their own, wha...
by Whakamole
Sun Aug 18, 2019 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 19903

Re: Are you a "solo ager?"

I've seen how much effort it takes for multiple kids to help an ailing/aging parent. I don't have much hope that my nieces/nephews will be there for me if I end up in poor health - and I don't blame them, it's hard enough taking care of their own parents, and if they have families of their own, what...
by Whakamole
Sun Aug 18, 2019 11:35 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20510
Views: 2790529

Re: U.S. stocks in free fall

nedsaid wrote: Sun Aug 18, 2019 10:08 am
J G Bankerton wrote: Sun Aug 18, 2019 5:47 am
MotoTrojan wrote: Sat Aug 17, 2019 9:01 pm ...I only have access to Vanguard‘s CRSP offering at the moment.
CRSP, Crispr Therapeutics AG, is a stock.
Vanguard's Small Value Index products are based upon a CRSP index.
There are ones that use the S&P index - VIOO, VIOV, VIOG.
by Whakamole
Sat Aug 17, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: Breakfast Menu After Retirement
Replies: 73
Views: 10943

Re: Breakfast Menu After Retirement

Not retired. Switched to a more protein/fat heavy breakfast - a few eggs, usually some meat, a little cheese, sometimes mixing it up like making a spinach scramble or having some avocado. I eat less during the day as a result. Numbers improved too - hard to argue with results.
by Whakamole
Sat Aug 17, 2019 9:22 am
Forum: Forum Issues and Administration
Topic: Why is "The Americans" on the Bogleheads Amazon list?
Replies: 6
Views: 2884

Re: Why is "The Americans" on the Bogleheads Amazon list?

"The Americans" is an advertisement from Amazon. It showed up for me, too. Amazon also provides a link for "Ad feedback" at the upper right of the page. I clicked on it and saw a chance to "Share your feedback". I answered that it was not relevant and not appropriate. Feel free to do the same :) Ha...
by Whakamole
Fri Aug 16, 2019 12:43 pm
Forum: Forum Issues and Administration
Topic: Why is "The Americans" on the Bogleheads Amazon list?
Replies: 6
Views: 2884

Why is "The Americans" on the Bogleheads Amazon list?

I clicked on the button at the top of the forum, the Amazon affiliate link. Seems like a strange recommendation.
by Whakamole
Thu Aug 15, 2019 12:29 pm
Forum: Investing - Theory, News & General
Topic: [Larry Swedroe: Small Value Stocks are Cheap, Factor Investing Works]
Replies: 673
Views: 30611

Re: Larry Swedroe: Small Value Stocks are Cheap

abuss368 wrote: Thu Aug 15, 2019 11:30 am The Three Fund Portfolio is an excellent choice and one that is "investing advice inspired by Jack Bogle"!
I thought he didn't believe in investing in international stocks.
by Whakamole
Thu Aug 15, 2019 9:21 am
Forum: Investing - Theory, News & General
Topic: [Larry Swedroe: Small Value Stocks are Cheap, Factor Investing Works]
Replies: 673
Views: 30611

Re: Larry Swedroe: Small Value Stocks are Cheap

Jack Bogle has always said age in bonds or something that increases the bond allocation with age. That is excellent advice and has worked well. Thank you Mr. Bogle! No, Bogle was 50/50 in 2015, that's not compatible at all with having a bond allocation in age: https://www.cnbc.com/2015/10/14/jack-b...
by Whakamole
Thu Aug 15, 2019 9:11 am
Forum: Investing - Theory, News & General
Topic: [Larry Swedroe: Small Value Stocks are Cheap, Factor Investing Works]
Replies: 673
Views: 30611

Re: Larry Swedroe: Small Value Stocks are Cheap

Jack Bogle has always said age in bonds or something that increases the bond allocation with age. That is excellent advice and has worked well. Thank you Mr. Bogle! No, Bogle was 50/50 in 2015, that's not compatible at all with having a bond allocation in age: https://www.cnbc.com/2015/10/14/jack-b...
by Whakamole
Thu Aug 15, 2019 12:01 am
Forum: Investing - Theory, News & General
Topic: Lawsuit suggests MIT allowed Fidelity to pack retirement plans with high-fee funds
Replies: 54
Views: 5159

Re: Lawsuit suggests MIT allowed Fidelity to pack retirement plans with high-fee funds

https://www.courtlistener.com/recap/gov.uscourts.mad.182647.1.0.pdf The list of funds starts on page 17. The excess fees stated in percentage terms are absurdly presented; for instance, one Vanguard index fund previously offered for 2bps was upgraded to a fund offered for 1bp (100% excess cost). Wh...
by Whakamole
Wed Aug 14, 2019 11:41 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20510
Views: 2790529

Re: U.S. stocks in free fall

I know market timing is stupid, but I've been at my 1st job now for 1.5 years and it's felt like my portfolio has been spinning the wheels with the rest of the market. I've got a 401(k) and Roth with about even funds 85/15. Does anyone here think I need to move out of stocks until the big drop happ...
by Whakamole
Tue Aug 13, 2019 11:28 am
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 18964

Re: [Vanguard ongoing glitches, August 12-13, 2019]

livesoft wrote: Tue Aug 13, 2019 11:08 am I suspect a lot of people are trying hard to get their money out of Vanguard and going someplace else. It's a brokerage run!
Not in this case of course.

If it was a real drop, some of us would be performing TLH, rebalancing, etc.