Search found 503 matches

by Finridge
Wed Jun 13, 2018 2:26 am
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 17719

Re: Should I take possession of a certified mail?

I would not sign for the certified letter. As someone noted, he's trying (for whatever reason) to create a paper trail. This is something he is doing to use against you. Why cooperate in this?

Also, I would cut off all contact.
by Finridge
Wed Jun 13, 2018 2:05 am
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 158
Views: 25875

Re: Documentaries to recommend?

The Fog of War (2003): The entire documentary is an interview with Robert McNamara. I learned more history in this one film than in whole classes in college. +1000. I watched the movie in the theater and on Amazon Prime. I didn't live through that time but I was mesmerized by Robert's telling of it...
by Finridge
Wed Jun 13, 2018 12:42 am
Forum: Investing - Theory, News & General
Topic: Why does CAPM make sense?
Replies: 23
Views: 1281

Re: Why does CAPM make sense?

I don't think most people on this forum are familiar with or refer to CAPM formula--it's not typically discussed in the "Boglehead" books. Nor is any familiarity necessary for Boglehead investing. I would submit that knowing it isn't even useful, because it does not predict the future. That said, af...
by Finridge
Tue Jun 12, 2018 1:53 am
Forum: Personal Consumer Issues
Topic: Recommendation for good charging station to charge phones, tablets
Replies: 11
Views: 814

Re: Recommendation for good charging station to charge phones, tablets

I have and like this Anker 5-port USB charger. $24 on Amazon. https://www.amazon.com/gp/product/B00VH958F0/ Edit: But looking now at the Satechi station that TimDix recommends. Looks pretty good. I like how it provides a place to put your devices in an organized manner. If I were doing it over, I'd ...
by Finridge
Tue Jun 12, 2018 1:46 am
Forum: Personal Consumer Issues
Topic: 2018 RAV 4 or Camry
Replies: 28
Views: 2547

Re: 2018 RAV 4 or Camry

This is why I don't have a 2018 RAV 4: "The RAV4 rated Good in the driver-side test, left, and Poor in the passenger-side test." https://www.nytimes.com/2017/12/07/busi ... picks.html

I heard they worked on fixing this in the 2019 RAV 4 which will be released in a few months.
by Finridge
Fri Jun 08, 2018 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Large inheritance -- looking for advice
Replies: 56
Views: 7139

Re: Large inheritance -- looking for advice

I'd sell ALL the stocks as soon as possible and not attach any sentimental value to them. The ones in a taxable account: Get them gone before any of the capital gains get bigger. Clearly, you know enough to tell which stocks are US and which are foreign, so you can figure out the current asset allo...
by Finridge
Tue May 29, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Quality decline in off-brand alkaline batteries?
Replies: 37
Views: 5392

Re: Quality decline in off-brand alkaline batteries?

Normally I love Costco and their in-house branded products (Kirkland). However, I've had serious problems with their batteries and have ceased purchasing them entirely. Maybe I got a bad few batches because everyone else in this thread seems to have had good luck with them. My problem is not with t...
by Finridge
Thu May 24, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: AAA vs. GEICO for Roadside Assistance--Help Me Decide!
Replies: 53
Views: 7433

Re: AAA vs. GEICO for Roadside Assistance--Help Me Decide!

It does bother me that GEICO would have both my auto insurance and provide roadside assistance and that some incidents might end up in my insurance record that I'd rather they not know about.
by Finridge
Thu May 24, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 293
Views: 25977

Re: Do people still use AAA?

For just getting from Point A to Point B, Google Maps is fine--in fact it's much superior to paper maps for that purpose. I never use paper maps for this purpose anymore. As pointed out above, you can download maps to your phone if you think you will be out of cell reception. You can also download m...
by Finridge
Tue May 22, 2018 10:55 pm
Forum: Personal Consumer Issues
Topic: AAA vs. GEICO for Roadside Assistance--Help Me Decide!
Replies: 53
Views: 7433

Re: AAA vs. GEICO for Roadside Assistance--Help Me Decide!

In OP's case, I would be tempted to go with GEICO (save $129/yr) and plan to pay the additional charge to have my vehicle towed beyond the "nearest repair shop" to get it to my preferred repair shop. It's only money. (OP should check with GEICO that this is acceptable... GEICO pays for the hookup a...
by Finridge
Tue May 22, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: AAA vs. GEICO for Roadside Assistance--Help Me Decide!
Replies: 53
Views: 7433

AAA vs. GEICO for Roadside Assistance--Help Me Decide!

So my AAA Plus (roadside service) membership is renewal bill is due in three days. Is is $129 for a year, and allows tows of up to 100 miles per incident. But a few months ago, we started using GEICO auto insurance, and they provide roadside assistance for no additional cost. We've been buying the A...
by Finridge
Tue May 08, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 78
Views: 7035

Re: How much car to buy on $250K income, $200K NW, newborn on the way

The cars we think we might need (or want) range from a $5,000 10+ year old wagon to a brand new $50,000 Lexus SUV... we wonder if putting 2.5% of our NW instead of 25% into a depreciating asset is a good idea... we thought it would be a better measure to plot it against NW rather than HI... We are ...
by Finridge
Tue May 08, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Resignation letter
Replies: 66
Views: 7365

Re: Resignation letter

If this boss is/was abusive to her, that it would make it an easy decision for me. Likewise if this employer has laid people off without giving them severance. But even there consider the liklihood that you will need them to give a good reference in the future. While, after reading through additiona...
by Finridge
Tue May 08, 2018 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Resignation letter
Replies: 66
Views: 7365

Re: Resignation letter

"At will" means the employment contract can be ended at any time and for any reason by either party. Legally, there is no requirement to give two weeks notice. The "policy" is thus contradicting this and is unlikely a legal document. If the employer would not pay the unused vacation, the employer c...
by Finridge
Tue May 08, 2018 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: annualcreditreport
Replies: 13
Views: 1344

Re: annualcreditreport

This year I calendared getting one report form each agency every four months. But when I tried to order my Equifax report, they cited some unspecified issue, and said that I had to fill out a paper form and mail it in--that was a month ago, and I never got around to it. So it threw my whole system o...
by Finridge
Tue May 08, 2018 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make ANY sense for a US citizen to stash emergency funds overseas?
Replies: 62
Views: 5398

Re: Does it make ANY sense for a US citizen to stash emergency funds overseas?

Certainly those residents of Estonia who had foreign accounts were very happy about that when Russian cyber-attacks took down their banking system. In arguments, this is the fallacy of moving the goalpost. There's a vast difference between not being able temporarily to login online to your bank acc...
by Finridge
Tue May 08, 2018 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make ANY sense for a US citizen to stash emergency funds overseas?
Replies: 62
Views: 5398

Re: Does it make ANY sense for a US citizen to stash emergency funds overseas?

We're not used to it here in the U.S.-- it's a weird and foreign (pun intended) concept to most of us. But it's not all that uncommon in the rest of the world for a country to forbid money to be moved out of the country. Quite a few countries have imposed constraints on moving money beyond their bor...
by Finridge
Tue May 08, 2018 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make ANY sense for a US citizen to stash emergency funds overseas?
Replies: 62
Views: 5398

Re: Does it make ANY sense for a US citizen to stash emergency funds overseas?

I think it does make sense, if it can be done in a cost effective way and without too much convenience. It's a form of diversification, just like owning shares in the Total International Stock Market Index Fund. If I knew off an easy and convenient way to have an investment account as an American i...
by Finridge
Tue May 08, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make ANY sense for a US citizen to stash emergency funds overseas?
Replies: 62
Views: 5398

Re: Does it make ANY sense for a US citizen to stash emergency funds overseas?

I think it does make sense, if it can be done in a cost effective way and without too much convenience. It's a form of diversification, just like owning shares in the Total International Stock Market Index Fund. If I knew off an easy and convenient way to have an investment account as an American in...
by Finridge
Mon May 07, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: Switching Apple Mac Mini to Solid State Drive?
Replies: 15
Views: 1256

Re: Switching Apple Mac Mini to Solid State Drive?

Your Mac Mini is 10 years old? That would mean you probably have a Mid 2007 model. I would not waste any time or money in installing a SSD. In car years, a 10-year computer would be something like 30-40 years old, or more. A more current model will be exponentially better. Unless keeping antique com...
by Finridge
Wed May 02, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 711
Views: 105867

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

The Honda CRV was at the top of my list when I first saw this thread. I did some reading about it, and now it's not on the list at all. Just as troublesome as the problem itself is Honda's failure to deal with it. Initially I was thinking Toyota as the obvious alternative, but perhaps the Acura RDX...
by Finridge
Sat Apr 21, 2018 12:10 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 711
Views: 105867

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Honda better do something..I have crossed the CR-v off my list. It's off my list too. Have a couple of relatives who are looking and I've told them about the issue and neither is considering the CRV anymore. I'll probably be looking too in about a year, so hopefully they've resolve the issue by the...
by Finridge
Wed Apr 18, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 12963

Re: Quitting job - what to do if getting walked to the door

Remember that COBRA gives you a kind of grace period. Subject to the deadline, you can elect to be covered retroactively. I have used this to "cover" the gap between employers. I had a completed COBRA application that I gave to someone I trusted with instructions to make sure that it got sent in if ...
by Finridge
Thu Apr 12, 2018 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Cost Basis/Tax ?s for inherited mutual funds
Replies: 15
Views: 1152

Re: Cost Basis/Tax ?s for inherited mutual funds

Was the Inherited IRA traditional or Roth?
by Finridge
Fri Mar 23, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Spoke to a financial advisor yesterday - what do you think he's up to?
Replies: 81
Views: 9378

Re: Spoke to a financial advisor yesterday - what do you think he's up to?

That said, how would I have considered setting up a trust in the case that my son inherits over a million dollars due to our deaths? It just never would have occurred to me. How? Read the Bogleheads forums! https://www.bogleheads.org/forum/viewtopic.php?f=2&t=225464 https://www.bogleheads.org/forum...
by Finridge
Wed Mar 14, 2018 12:08 am
Forum: Personal Consumer Issues
Topic: As a home buyer, do you use your own realtor or agent?
Replies: 25
Views: 2730

Re: As a home buyer, do you use your own realtor or agent?

It is very helpful to work with a good, experienced agent that you can trust. I recommend that you do NOT just use the first agent you speak to at an open house, or that you speak to because they have the listing on house that caught your eye. Look for an agent that same way that you would look for ...
by Finridge
Tue Mar 13, 2018 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason not to open a 529? (young investor)
Replies: 21
Views: 1888

Re: Any reason not to open a 529? (young investor)

Question: If it's possible to open a 529 in your own name and then just switch it over to your child after he/she is born, and to do this without adverse tax consequences, then what is stopping us from doing this *after the child is born? What if someone establishes a 529 for both her child and also...
by Finridge
Tue Mar 13, 2018 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason not to open a 529? (young investor)
Replies: 21
Views: 1888

Re: Any reason not to open a 529? (young investor)

I wish I had done this!

But the first priority should be maxing out your Roth IRA's (and also probably your other retirement accounts). If you have funds left over after maxing those out, put them in your 529.
by Finridge
Tue Mar 13, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: Excellent experience with Vanguard customer service
Replies: 6
Views: 1528

Re: Excellent experience with Vanguard customer service

lakinui wrote:
Mon Mar 12, 2018 9:11 pm
I've enjoyed consistently good service from Vanguard representatives
Me too. Consistently better then most other companies that I deal with (including other financial institutions).
by Finridge
Fri Mar 02, 2018 1:03 am
Forum: Investing - Help with Personal Investments
Topic: Need to move IRA but scared
Replies: 23
Views: 1811

Re: Need to move IRA but scared

Since a Target Retirement fund has everything you need, you do not really need to understand the ratio of investments until after you move your money. You can always count on livesoft for solid advice. Move it into the Target fund. You cannot go wrong with that. And then, later, if you want to move...
by Finridge
Wed Feb 28, 2018 3:28 am
Forum: Investing - Help with Personal Investments
Topic: Should I Stay or Should I Go?
Replies: 30
Views: 3580

Re: Should I Stay or Should I Go?

I am very tempted to transfer the money over, but I am nervous about doing so, and unfortunately nobody in my life knows anything about investments to give me solid advice, which is why I came here... Is this the right thing to do ...and why? Any advice would be highly appreciated! Emphatically yes...
by Finridge
Wed Feb 28, 2018 1:35 am
Forum: Personal Consumer Issues
Topic: 2016 Sienna - 57k miles - any downside to buying?
Replies: 29
Views: 3481

Re: 2016 Sienna - 57k miles - any downside to buying?

Toyota has added a lot of safety features in 2017 and 2018 so if you are comparing the the 2016 to a new car be sure to go down the checklist of safety(and other) features to find the differences to make an "apples to apples" comparison. There is probably only 3,000 miles left on the powertrain war...
by Finridge
Sun Feb 25, 2018 11:59 pm
Forum: Investing - Theory, News & General
Topic: What books changed your outlook on how you should invest?
Replies: 54
Views: 5194

Re: What books changed your outlook on how you should invest?

iceport wrote:
Fri Feb 23, 2018 8:35 pm
Wildebeest wrote:
Fri Feb 23, 2018 8:17 pm
What book changed book your perspective on how to invest?
I have to give shared credit on this to Malkiel's A Random Walk Down Wall Street and Bernstein's The Four Pillars of Investing.
For me also, these two books, and in that order.
by Finridge
Sun Feb 25, 2018 2:59 am
Forum: Investing - Help with Personal Investments
Topic: Should I bite the bullet and invest in this market?
Replies: 86
Views: 10667

Re: Should I bite the bullet and invest in this market?

Probably almost every person on this thread is--and most on this forum are--heavily invested in the market. And many of them are smarter than me. difference is that most have experienced a 40% run up in the markets just in the last year and change will be virtually unscathed if there is a major cra...
by Finridge
Sat Feb 24, 2018 1:24 am
Forum: Investing - Help with Personal Investments
Topic: Should I bite the bullet and invest in this market?
Replies: 86
Views: 10667

Re: Should I bite the bullet and invest in this market?

I opened an account with Vanguard with the intent of buying their mutual funds. (Namely total stock, total international, and some bond funds) I have had about $450k sitting in cash for too long and naturally have missed out on this great bull market. A few weeks ago I invested $35k in the total st...
by Finridge
Thu Feb 22, 2018 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Need $100,000 in 20 years. Help!
Replies: 52
Views: 6614

Re: Need $100,000 in 20 years. Help!

Hi everyone! My name is Michael, and I'm in somewhat of a unique situation. I have $200,000 of student loan debt with the federal government and opted for one of the income drive repayment plans called PAYE. In this plan, I pay a small amount per month (based on your income) and after 20 years, the...
by Finridge
Thu Feb 22, 2018 3:46 am
Forum: Personal Finance (Not Investing)
Topic: Safe to file taxes now?
Replies: 57
Views: 5642

Re: Safe to file taxes now?

Wondering if anyone has filed their personal income taxes for 2017. Has Vanguard ever issued a corrected 1099 for their brokerage? I don't want to file then receive a corrected 1099 and have to amend. Thanks Yes, a few years I received multiple corrected 1099's on a brokerage account. The original ...
by Finridge
Wed Feb 21, 2018 4:01 am
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 13280

Re: I'm Cancelling My Home Insurance

Keep the homeowners policy and kick the umbrella insurance to the curb. I agree with Bogleheads about most things; umbrella insurance for someone who doesn't own a business, have a pool, or play the role of landlord isn't one of them. Do you drive a car? That is the main source of liability and big...
by Finridge
Wed Feb 21, 2018 3:48 am
Forum: Investing - Help with Personal Investments
Topic: How do I unwind this Wealthfront mess?
Replies: 75
Views: 11331

Re: How do I unwind this Wealthfront mess?

Running through different scenarios has me feeling pretty defeated - and I'm wondering if it would just be better to move the taxable all back to Wealthfront. What would you do in my shoes? I am a longtime proponent of Vanguard and the 3 fund portfolio approach. But if something like this landed in...
by Finridge
Tue Feb 20, 2018 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 13280

Re: I'm Cancelling My Home Insurance

Keep the homeowners policy and kick the umbrella insurance to the curb. I agree with Bogleheads about most things; umbrella insurance for someone who doesn't own a business, have a pool, or play the role of landlord isn't one of them. Do you drive a car? That is the main source of liability and big...
by Finridge
Tue Feb 20, 2018 6:54 pm
Forum: Investing - Theory, News & General
Topic: Using cFiresim
Replies: 14
Views: 2012

Re: Using cFiresim

cFIREsim used to be one of my favorite retirement planning tools, but now in the results they do not provide any data under statistics heading. So Firecalc has become more useful even though I don't like their interface as much. I noticed that change recently. At first I thought it was a bug in my ...
by Finridge
Fri Feb 16, 2018 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Are we TOO diversified? Time to hire a professional? Who has?
Replies: 14
Views: 2110

Re: Are we TOO diversified? Time to hire a professional? Who has?

You probably should consolidate. But just be careful to understand the tax consequences of selling appreciated holdings in taxable accounts--often it is not worth taking the tax hit. But its easy to consolidate tax advantaged holdings. If I were you, I'd move all of those to Vanguard. Also, you shou...
by Finridge
Fri Feb 16, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: My Over $300K Vanguard Balance Disappeared?
Replies: 62
Views: 11492

Re: My Over $300K Vanguard Balance Disappeared?

Beehave, All the shares in my accounts are "admiral" level for a long time. My account statements indicate "Vanguard Voyager Services". However, I have never tried to understand what that mean. Anyone can have "Admiral Shares" if they meet the minimum for that-typically $10,000+ in the account. As ...
by Finridge
Fri Feb 16, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 13280

Re: I'm Cancelling My Home Insurance

Anyone on here that doesn't have a home insurance policy? What's your experience? My home is paid for and worth about 12% of my net worth and I'm thinking about canceling the homeowners policy and keeping the umbrella policy. If I cancelled and the house burned down, it would just be like a 12% mar...
by Finridge
Fri Feb 16, 2018 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 13280

Re: I'm Cancelling My Home Insurance

Keep the homeowners policy and kick the umbrella insurance to the curb. I agree with Bogleheads about most things; umbrella insurance for someone who doesn't own a business, have a pool, or play the role of landlord isn't one of them. Do you drive a car? That is the main source of liability and big...
by Finridge
Fri Feb 16, 2018 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 13280

Re: I'm Cancelling My Home Insurance

essbeer wrote:
Fri Feb 16, 2018 1:51 pm
I though homeowners insurance was usually required for umbrella insurance, car insurance too.
I was just shopping for insurance, and that was the case with the companies I spoke to.
by Finridge
Fri Feb 16, 2018 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting and whether robo-investor fees are worth it
Replies: 27
Views: 2994

Re: Tax loss harvesting and whether robo-investor fees are worth it

I think robo advisors who say they can TLH for clients are just taking advantage of people who are too lazy and too fearful to do it themselves. It is about as easy as making oatmeal for breakfast, but many people would rather eat cold cereal or nothing for breakfast. You can make oatmeal for break...
by Finridge
Fri Feb 16, 2018 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: cybertheft from brokerage and retirement accounts after Equifax identity theft
Replies: 23
Views: 3483

Re: cybertheft from brokerage and retirement accounts after Equifax identity theft

I think two factor authentication is a good first step. Most won't even bother to do that. There is also the option of doing two factor authentication with a physical key, like a Fido UTF key. Even though inconvenient, a physical ket would probably prevent someone from gaining fraudulent access to ...
by Finridge
Fri Feb 16, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Recommend me a good laser printer for a chromebook!
Replies: 26
Views: 2542

Re: Recommend me a good laser printer for a chromebook!

I'm fairly tech savvy and I find printing from Chromebooks via Google Cloud Print to be frustrating and glitchy. There are lots of chrome browser settings to adjust and printer settings to adjust and when printer firmware gets updated you have to do it all over again. It means lots of reading of tu...