Search found 307 matches

by 7eight9
Sat Jul 27, 2019 8:23 pm
Forum: Investing - Theory, News & General
Topic: "15 Things You Didn't Know About Vanguard Group"
Replies: 13
Views: 2453

Re: "15 Things You Didn't Know About Vanguard Group"

Think I have seen this before. I can just tell you that Vanguard does not hold $600 Trillion in assets. Very true, assets are “held” by a third-party custodian. Poor choice of words. Plus too many zeros. Total assets - About $5.2 trillion in global assets under management, as of January 31, 2019 ht...
by 7eight9
Sat Jul 27, 2019 7:37 pm
Forum: Personal Consumer Issues
Topic: Long commute: how to manage?
Replies: 110
Views: 7037

Re: Long commute: how to manage?

Get a Tesla with full self driving. It'll do 90+% of the commute for you and take away a lot of the fatigue of this trip, leaving you fresh for your family on arrival. The Model X specifically is considered one of the safest, if not the safest vehicle on the road. During NHTSA testing, Tesla was un...
by 7eight9
Sat Jul 27, 2019 4:13 pm
Forum: Personal Investments
Topic: Vanguard in Thailand - possible?
Replies: 9
Views: 1121

Vanguard in Thailand - possible?

When I was in Thailand earlier this year I tried to access my Vanguard accounts. I was using a Chromebook that had accessed Vanguard right before leaving the United States. I didn't clear the history. At three different resorts I tried to access my account and was not able to log in. When I got back...
by 7eight9
Fri Jul 26, 2019 6:13 pm
Forum: Personal Consumer Issues
Topic: Long commute: how to manage?
Replies: 110
Views: 7037

Re: Long commute: how to manage?

Tesla will come out with driverless cars soon enough. New York Times article titled Despite High Hopes, Self-Driving Cars Are ‘Way in the Future’ this week says otherwise. The industry’s unbridled confidence was quickly dented when a self-driving car being tested by Uber hit and killed a woman walk...
by 7eight9
Fri Jul 26, 2019 4:40 pm
Forum: Investing - Theory, News & General
Topic: One bad decision - examples?
Replies: 67
Views: 6860

Re: One bad decision - examples?

Not buying a condo on South Padre Island for $20,000.
Not buying pre-war co-op in Tribeca for under $100,000.
Not selling my condos in Las Vegas in 2007.
by 7eight9
Fri Jul 26, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: Long commute: how to manage?
Replies: 110
Views: 7037

Re: Long commute: how to manage?

Get a Tesla with full self driving. It'll do 90+% of the commute for you and take away a lot of the fatigue of this trip, leaving you fresh for your family on arrival. The Model X specifically is considered one of the safest, if not the safest vehicle on the road. During NHTSA testing, Tesla was un...
by 7eight9
Tue Jul 23, 2019 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Family Fraud
Replies: 45
Views: 5008

Re: Family Fraud

Your brother is stealing from your parents. If you and your siblings are beneficiaries when they pass then he is stealing from you and your siblings too. If it wasn't your brother would you have a problem going to the police / district attorney and reporting this criminal activity? Likely not. I get...
by 7eight9
Tue Jul 23, 2019 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you move to?
Replies: 130
Views: 9622

Re: Where would you move to?

There are plenty of small towns in Nevada. As well as the Biggest Little City in the World (Reno). And the Jewel of the Desert (Las Vegas). You can buy a condo in Laughlin (around 7-8,000 population) for under $100K (https://www.realtor.com/realestateandhomes-search/Laughlin_NV). It all depends on w...
by 7eight9
Tue Jul 23, 2019 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Family Fraud
Replies: 45
Views: 5008

Re: Family Fraud

Your sibling is a thief. I don't know a better more polite word and I'm sorry for that. Counseling? I wouldn't recommend it. A little time as a guest of the State may teach your sibling better ways. You've got to do what you've got to do. Best of luck in your decision.
by 7eight9
Tue Jul 23, 2019 4:25 pm
Forum: Personal Consumer Issues
Topic: Purchasing new dishwasher/installation package online?
Replies: 10
Views: 417

Re: Purchasing new dishwasher/installation package online?

Bought a dishwasher at Best Buy last month. They installed it. They had the lowest installed price when shopping vs. Home Depot, Lowe's and RC Willey. Plus 30 day price guarantee. I'm satisfied with the installation. They even put booties on so as not to get outside dirt on the carpet which made my ...
by 7eight9
Tue Jul 23, 2019 3:57 pm
Forum: Personal Consumer Issues
Topic: wine in cans
Replies: 34
Views: 2420

Re: wine in cans

Inspired by this thread, I bought a 12 oz. can of red wine. Specifically "House Wine" the original red blend, product of Chile. This stuff was terrible. I managed 3 sips. My wife took one sip and declared that she wasn't going to help me with the rest. We aren't wine snobs by any means. We both lik...
by 7eight9
Tue Jul 23, 2019 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Would you have your teen attend a meeting with your CFP?
Replies: 33
Views: 1644

Re: Would you have your teen attend a meeting with your CFP?

I don't have any children. If I did I'm not so sure that it would be beneficial for them to have knowledge of my net worth / portfolio. I just don't see what good could come of this. However, if you share this information with your son already then go for it.
by 7eight9
Tue Jul 23, 2019 12:03 am
Forum: Personal Finance (Not Investing)
Topic: Equifax settlement: how to file claim?
Replies: 147
Views: 12703

Re: Equifax settlement: how to file claim?

Marketwatch article titled Consumers could get up to $20,000 apiece in Equifax settlement — how to get your share.

Link --- https://www.marketwatch.com/story/consu ... 2019-07-22
by 7eight9
Mon Jul 22, 2019 11:27 pm
Forum: Personal Consumer Issues
Topic: Visit Taipei, Taiwan or tour smaller towns in Japan?
Replies: 33
Views: 2416

Re: Visit Taipei, Taiwan or tour smaller towns in Japan?

Head south to Ishigaki Island. The New York Times in 2014 had an article about it titled Ishigaki, a Japanese Natural Wonderland.
Link --- https://www.nytimes.com/2014/05/04/trav ... rland.html
by 7eight9
Mon Jul 22, 2019 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: DCU digital credit union Massachusetts
Replies: 25
Views: 1662

Re: DCU digital credit union Massachusetts

Joined last year for the opportunity to park $1,000 at an attractive rate (currently 6.17%). Service and website are fine. No idea about interface with Mint. No wires. I pull the interest out monthly to an on-line bank - no fees involved.
by 7eight9
Mon Jul 22, 2019 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of children
Replies: 49
Views: 2076

Re: Cost of children

An amah is paid at least HK$4,410/month (US$562).
Article --- https://www.scmp.com/lifestyle/article/ ... data-shows

Some things are more affordable overseas. Real estate wouldn't be one of them in Hong Kong.
by 7eight9
Mon Jul 22, 2019 5:49 pm
Forum: Personal Consumer Issues
Topic: C8 Corvette - who is buying?
Replies: 125
Views: 8943

Re: C8 Corvette - who is buying?

Once you go electric, it's very hard to go back to internal combustion engine cars. No matter the leap that Corvette is taking, it's still a gasoline car. Race ya' 500 miles. Yeah. That's what I thought. :beer LOL...weak.....do you often race 500 miles.....I agree ...ELECTRIC all the way! Regarding...
by 7eight9
Mon Jul 22, 2019 3:05 pm
Forum: Personal Consumer Issues
Topic: Whole Bean Coffee: Worth the effort?
Replies: 90
Views: 5158

Re: Whole Bean Coffee: Worth the effort?

Almost anything is worth doing once. Grind the beans up and see if you like the coffee better than your regular cup. I've bought and ground coffee beans and they didn't do it for me. They might for you. My preference is Community Coffee's Ground Coffee and Chicory. It isn't available in stores where...
by 7eight9
Sun Jul 21, 2019 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: HSBC checking bonus
Replies: 14
Views: 1043

Re: HSBC checking bonus

No experience with that particular promotion. That said, recently my wife and I both did a HSBC promotion which required $10,000 deposit for a $300 or $350 bonus (can't recall off the top of my head). Bonuses were paid promptly.
by 7eight9
Sun Jul 21, 2019 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Switching Banks for Higher Savings Rate
Replies: 9
Views: 735

Re: Switching Banks for Higher Savings Rate

We have around $3-4K in checking accounts at Wells Fargo. Can't access it outside of normal business hours as no debit card. Other money is scattered amongst on-line banks chasing opening bonuses and rates. No real concern about immediate cash access. Most emergencies can be charged on a credit card...
by 7eight9
Sun Jul 21, 2019 9:59 am
Forum: Personal Investments
Topic: Wealthfront cash account 2.57% APY
Replies: 11
Views: 1144

Re: Wealthfront cash account 2.57% APY

Not a bad rate. The OP could likely do a bit better if they are willing to chase sign-up bonuses, open reward checking accounts (and do requisite activities) and open accounts like Netspend or DCU that pay 5-6.17% interest. Right now there is a discussion about the bonus Marcus is offering - 1% on u...
by 7eight9
Sat Jul 20, 2019 5:25 pm
Forum: Personal Investments
Topic: Gold?
Replies: 137
Views: 7587

Re: Gold?

A Bloomberg column from May of this year is titled You Can Still Buy a House With Gold Bars in Vietnam . Excerpt: Vietnam may be one of the world’s fastest-growing economies, yet it’s still in the dark ages when it comes to joining the global trend toward cashless transactions. To understand why, lo...
by 7eight9
Fri Jul 19, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: Month in London with family - where to stay economically?
Replies: 4
Views: 670

Re: Month in London with family - where to stay economically?

No personal experience but I've heard positive things about Stayy. I have no affiliation with them. Link --- https://stayy.hostmaker.com/ Looking at their website for a one month rental there are options ranging from $2,494 for a studio to $6,234 for a four bedroom (your prices/availability will cha...
by 7eight9
Fri Jul 19, 2019 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: NYT Article: Safe Deposit Boxes Aren't Safe
Replies: 96
Views: 8420

Re: NYT Article: Safe Deposit Boxes Aren't Safe

I am surprised anyone thought the bank would insure your possessions in a safe deposit box. They have no idea what you may may put in it. How could they possibly insure whatever is inside? Since the people in the article are suing the bank, I assume they were not insured. If they had been, then it ...
by 7eight9
Fri Jul 19, 2019 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Income below100% FPL-danger of ACA subsidy?
Replies: 41
Views: 2877

Re: Income below100% FPL-danger of ACA subsidy?

This is what is published in the Electronic Code of Federal Reguations: §1.36B-2 Eligibility for premium tax credit. (a) In general. An applicable taxpayer (within the meaning of paragraph (b) of this section) is allowed a premium assistance amount only for any month that one or more members of the ...
by 7eight9
Fri Jul 19, 2019 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: NYT Article: Safe Deposit Boxes Aren't Safe
Replies: 96
Views: 8420

Re: Safe Deposit Boxes Aren't Safe

The Federal Reserve Bank of New York has pretty stringent protocols to protect the goods in their vault. Of course you have to be a government, central bank or official international organization to store your gold there. :happy
Link --- https://www.newyorkfed.org/aboutthefed/goldvault.html
by 7eight9
Fri Jul 19, 2019 12:59 pm
Forum: Personal Consumer Issues
Topic: Greece...needed vaccinations?
Replies: 11
Views: 956

Re: Greece...needed vaccinations?

The Center for Disease Control and Prevention has Health Information for Travelers on their website.
Link for Greece --- https://wwwnc.cdc.gov/travel/destinatio ... one/greece
by 7eight9
Fri Jul 19, 2019 11:35 am
Forum: Personal Finance (Not Investing)
Topic: ExxonMobil Card Gives Discount on Gasoline Purchases
Replies: 14
Views: 811

Re: ExxonMobil Card Gives Discount on Gasoline Purchases

I like the idea of free money but not the idea of using up one of my 5/24 on a card that for me would be of limited benefit. If I was going to apply for a new card I would want a bigger bonus. Also, as another poster mentioned, there are cards that give 5% off on gasoline in certain quarters. Right ...
by 7eight9
Fri Jul 19, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: The skyrocketing cost of long term care and how to pay for it
Replies: 33
Views: 3292

Re: The skyrocketing cost of long term care and how to pay for it

My understanding is that the cost of long term care is significantly lower in some other countries. Comparison of costs in the United States vs. a facility in Thailand. Link --- http://www.carewell-service.com/making-a-decision/compare-the-costs-usa BBC article titled Exporting Grandma to care homes...
by 7eight9
Thu Jul 18, 2019 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Safe harbor rule if I have large capital gain this year?
Replies: 5
Views: 457

Re: Safe harbor rule if I have large capital gain this year?

The original thread was titled How to set the basis in inherited property from life estate?
Link --- viewtopic.php?f=2&t=285652

This why the OP is going to have a large capital gain.
by 7eight9
Thu Jul 18, 2019 7:32 pm
Forum: Personal Consumer Issues
Topic: Looking for new laptop
Replies: 26
Views: 2301

Re: Looking for new laptop

There was a thread this morning titled lightweight, durable, ~15.6" Windows laptop . Link --- https://www.bogleheads.org/forum/viewtopic.php?f=11&t=285950 A couple of Acer computers were recommended. My personal experience with Acer computers has been favorable. I've also seen it recommended to buy ...
by 7eight9
Thu Jul 18, 2019 6:43 pm
Forum: Personal Investments
Topic: Retirement Portfolio for our Over-Valued times (2020 retirement)
Replies: 10
Views: 1953

Re: Retirement Portfolio for our Over-Valued times (2020 retirement)

Question: How should the traditional 3-fund portfolio (60% stocks) be adjusted to deal with my concerns listed above? Reduce Stock Allocation to 50% or 40%? Create a Stable Income Stream (additional cash/CDs/bonds): covering__ % of expenses for __ years. Something else? There is a current thread ti...
by 7eight9
Thu Jul 18, 2019 4:19 pm
Forum: Investing - Theory, News & General
Topic: 25% SP 500 (or VT) and 75% TIPS Bonds--Not Bond Fund.
Replies: 21
Views: 1876

Re: 25% SP 500 (or VT) and 75% TIPS Bonds--Not Bond Fund.

It sounds like a perfectly reasonable idea. Given that the OP will be 65 when starting to draw on this portfolio realistically the odds are not in their favor of drawing down the entire 75% in TIPS. And if that happens they still have the 25% stock component plus substantial value in real estate whi...
by 7eight9
Tue Jul 16, 2019 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Take the cash or the free dinner?
Replies: 72
Views: 6269

Re: Take the cash or the free dinner?

It has been a while but I've gotten $100 cash to listen to a timeshare pitch in Las Vegas. That was unusual because typically the offer was either show tickets or free play chips. The catch with the free play chips was whether they were one time only or play till dead. If the latter then one could b...
by 7eight9
Tue Jul 16, 2019 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Being a hands off homeowner
Replies: 51
Views: 3772

Re: Being a hands off homeowner

The OP did mention a condo as a possibility. We've lived in one for the past 17 years in Las Vegas. HOA fees are app. 1.4% of market value currently. There really have been only a few maintenance issues. Water heater was replaced due to leaking. Garage door spring snapped. Some pump that circulates ...
by 7eight9
Sun Jul 14, 2019 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: How to set the basis in inherited property from life estate?
Replies: 37
Views: 1201

Re: How to set the basis in inherited property from life estate?

Your basis is the value at the time of your father's death. The answer can be found in 26 CFR § 1.1014-4 - Uniformity of basis; adjustment to basis. (1) The basis of property acquired from a decedent, as determined under section 1014(a) or section 1022, is uniform in the hands of every person having...
by 7eight9
Sun Jul 14, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Should I knowingly buy a fake antique?
Replies: 26
Views: 2633

Re: Should I knowingly buy a fake antique?

Nothing wrong with a replica. A Saudi just paid billions for a replica Michelangelo. i think the price was little lower and the attributed artist different. :happy Leonardo da Vinci's Salvator Mundi was hammered down for $450.3M at Christie's. Link --- https://www.nytimes.com/2017/11/24/arts/design...
by 7eight9
Sat Jul 13, 2019 9:03 pm
Forum: Personal Investments
Topic: Am I holding too much cash?
Replies: 30
Views: 4040

Re: Am I holding too much cash?

If you are comfortable with that level of cash then that is what you should hold. The one suggestion that I would make is that if you are so inclined you can likely beat the 2.15% interest rate you are currently receiving. A higher paying account of around 2.50% should be pretty easily obtainable. I...
by 7eight9
Sat Jul 13, 2019 6:12 pm
Forum: Personal Consumer Issues
Topic: Standard Car Key Battery Life for Late Model Vehicles
Replies: 40
Views: 2719

Re: Standard Car Key Battery Life for Late Model Vehicles

One of my key fobs with CR2016's in them died recently on my 2016 Camry. It was the fob I did not use much. I went ahead and replaced them both. I think they tend to die when not used for some reason -- battery chemistry, I guess. My 2014 Camry key fob has never given me any problems. After reading...
by 7eight9
Sat Jul 13, 2019 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: what exactly is a "12-23 month CD"?
Replies: 3
Views: 433

Re: what exactly is a "12-23 month CD"?

Bank of the West has flexible term CDs. From their website --- Specific terms from 32- to 364-days and 12- to 60-months --- Automatic renewal at maturity with a 10-day grace period. . Link --- https://www.bankofthewest.com/personal-banking/savings-accounts/cd/flexible-term.html If this is similar to...
by 7eight9
Sat Jul 13, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: Company not addressing my dad's health condition
Replies: 29
Views: 2843

Re: Company not addressing my dad's health condition

The U.S. Equal Employment Opportunity Commission has a page titled Questions & Answers about Diabetes in the Workplace and the Americans with Disabilities Act (ADA). You might find some good information there.
Link to page --- https://www.eeoc.gov/laws/types/diabetes.cfm
by 7eight9
Fri Jul 12, 2019 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do foreign nationals need to file US income taxes?
Replies: 10
Views: 857

Re: Do foreign nationals need to file US income taxes?

If they don't earn any income in US, why declare ? Because the United States taxes worldwide income. If you are a resident alien, the rules for filing income, estate, and gift tax returns and paying estimated tax are generally the same whether you are in the United States or abroad. Your worldwide ...
by 7eight9
Fri Jul 12, 2019 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Do foreign nationals need to file US income taxes?
Replies: 10
Views: 857

Re: Do foreign nationals need to file US income taxes?

This year KPMG posted a publication titled U.S. taxation of foreign citizens. It might be useful.
Link - https://tax.kpmg.us/content/dam/tax/en/ ... tizens.pdf
by 7eight9
Fri Jul 12, 2019 8:26 pm
Forum: Personal Investments
Topic: Why Shouldn't I Switch to Low Carbon/Fossil Fuel Free Index Funds
Replies: 43
Views: 2309

Re: Why Shouldn't I Switch to Low Carbon/Fossil Fuel Free Index Funds

All (eh, most) of my charitable giving is environmental/land usage focused. But that is actually how I go started thinking about a manner of "individual divestment". ... Your thesis may be right or wrong. And you probably aren't going to suffer catastrophic results in either case. What I would caut...
by 7eight9
Fri Jul 12, 2019 12:55 pm
Forum: Personal Consumer Issues
Topic: Survived the First Week [of retirement, what's next?]
Replies: 70
Views: 8518

Re: Survived the First Week [of retirement, what's next?]

I'm in Key West for the week with my kid for vacation. I just came back from the Ernest Hemingway house tour. His life makes mine feel miniscule. He was a war correspondent and got a medal of honor. He had 4 wives. He had houses in Key West, Cuba, and Idaho. He wrote. He hung out in Sloppy Joes and...
by 7eight9
Fri Jul 12, 2019 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: At What Age or Point in your Career did your investments start outweighing your regular paychecks?
Replies: 85
Views: 11593

Re: At What Age or Point in your Career did your investments start outweighing your regular paychecks?

"Assuming max SS, one only needs $1.5m or less @ 4% SWR to have $100k a year to live on. " Yes - well put exactly. What is the max SS income? The maximum monthly Social Security benefit at full or normal retirement age is $2,788 for 2018 and $2,861 for 2019. Link --- https://www.investopedia.com/as...
by 7eight9
Thu Jul 11, 2019 5:06 pm
Forum: Personal Consumer Issues
Topic: 2016 Car with only 11,000 miles?
Replies: 32
Views: 3083

Re: 2016 Car with only 11,000 miles?

My mother-in-law has a 2009 car with approximately 25,000 miles on it. The mileage on that 2016 sounds kind of high. :happy
by 7eight9
Wed Jul 10, 2019 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to deposit Euros to a US Bank
Replies: 36
Views: 2487

Re: Best way to deposit Euros to a US Bank

Just for brainstorming you might check the casinos in Las Vegas. You beat me to it but that is exactly what I would suggest (especially since the OP is in Southern California). Bellagio used to have the best rate. I can't tell you if they still do. The only caveat is that if you are looking to chan...
by 7eight9
Tue Jul 09, 2019 5:22 pm
Forum: Personal Investments
Topic: paper gold or physical gold?
Replies: 37
Views: 2372

Re: paper gold or physical gold?

I don't understand some people's mentality that gold is only for the total collapse of world orders. Gold appreciates against USD (or any other currency) when the currency gets debased. When Nixon ended gold-USD convertibility in 1971, gold shot up from $35 to over $600 within a decade. OP: If you ...
by 7eight9
Tue Jul 09, 2019 2:36 pm
Forum: Personal Consumer Issues
Topic: Recommendations for binoculars
Replies: 34
Views: 1790

Re: Recommendations for binoculars

These may be more than you are looking to pay but the Nikon Monarch 5 8x42 is a very good binocular that you can pick up for around $240.

Amazon link --- https://www.amazon.com/Nikon-7576-MONAR ... B00C66C950