Search found 5481 matches

by inbox788
Sat Sep 22, 2018 3:04 am
Forum: Personal Finance (Not Investing)
Topic: New car - 0% loan or $500 rebate
Replies: 26
Views: 2048

Re: New car - 0% loan or $500 rebate

I just bought a car with a 0% loan, but I did ask what was the max I could charge on my cashback credit card that was allowed by the dealer. So I charged the max allowed and got the 2% on that bit of the deal. I would value 0% loan 36 months at more than 2% upfront NPV, and more if longer loan. Whi...
by inbox788
Fri Sep 21, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6500

Re: My Very First Smartphone — Please Critique This Plan

A related question: my primary email account is with my landline/dsl isp provider. Could I continue to use that email address easily with the phone? Or would I be required to set up a gmail account for use with the android phone? A couple of questions regarding your home service? Do you get your in...
by inbox788
Fri Sep 21, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 570
Views: 84543

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

So my daughter bought a 2017 CRV last November. I've been following this thread, and checking her oil level periodically (when she came over to visit). Last weekend I noticed that the level was slightly above full, and before it had seemed slightly below full. She made an appointment for an oil cha...
by inbox788
Fri Sep 21, 2018 7:40 pm
Forum: Investing - Theory, News & General
Topic: Buying Put Options on the S&P 500
Replies: 22
Views: 2123

Re: Buying Put Options on the S&P 500

Thanks for the replies. Sounds like this Market Timing strategy really is about timing: Not a great thing to keep on all the time. Do you need life insurance next week? If you don't have it all the time, it's not a great thing not to have it when stuff happens. Still, the cost of the premiums isn't...
by inbox788
Fri Sep 21, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Does your Capital One 360 reimburse international ATM?
Replies: 30
Views: 1327

Re: Does your Capital One 360 reimburse international ATM?

It is amazing that folks here on boglehead continue to post about the 1% fee as if there are not countless posts and threads here with the accurate information and real life experience. There is no FTF for atm withdraws on the Fidelity debit card. Repeat, no FTF on Fidelity atm withdrawals. The 1% ...
by inbox788
Fri Sep 21, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6500

Re: My Very First Smartphone — Please Critique This Plan

Seems like overkill going from a flip phone to a state of the art flagship . Clark Howard recommends the Moto G series, which you can get in the $200 range. I have used even cheaper phones than that and have been completely satisfied. The only complaint I would have is that the cameras usually aren...
by inbox788
Fri Sep 21, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Auto loan dispute
Replies: 9
Views: 990

Re: Auto loan dispute

It was paid off with my Geico insurance and GAP insurance. The letter states, “the following payments were returned unpaid because they were disputed NSF transactions : $1558.22” I am pretty sure this is how much the GAP insurance paid. I’m not sure what disputed NSF transactions mean. And they're ...
by inbox788
Fri Sep 21, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: YouTube Home workout vidoes
Replies: 33
Views: 2350

Re: Home workouts

runner3081 wrote:
Thu Sep 20, 2018 8:54 pm
I get up and run around 4:30am, before wife and kid are up.
That's dedication!

:thumbsup
by inbox788
Fri Sep 21, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: New car - 0% loan or $500 rebate
Replies: 26
Views: 2048

Re: New car - 0% loan or $500 rebate

I don't make enough to ignore making $91.65 for essentially very little work. I'd also have to liquidate investments incurring taxes to pay cash for the vehicle. I would take the loan. The exact amount depends on a number of factors, but for the most part, it's equivalent enough that it won't matte...
by inbox788
Fri Sep 21, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Does your Capital One 360 reimburse international ATM?
Replies: 30
Views: 1327

Re: Does your Capital One 360 reimburse international ATM?

My usage of it overseas a couple of months ago resulted in reimbursed ATM fees as well as no international usage fee (unlike the Fidelity Cash Management card). Are you talking about the 360 account or another C1 product? The current Fidelity debit card does not charge any foreign transaction fee f...
by inbox788
Fri Sep 21, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Auto loan dispute
Replies: 9
Views: 990

Re: Auto loan dispute

Start saving up while you fight it. What is your understanding of the situation? Was auto insurance involved? Maybe some deductibles? Was the other driver insurance also involved? Are there differences in valuation and claims? If one error of $1300 occurred, it should be simple enough to explain whe...
by inbox788
Thu Sep 20, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: YouTube Home workout vidoes
Replies: 33
Views: 2350

Re: Home workouts

Burpees Edited - also check YouTube. There’s a million workouts - of course some better than others - but it’s a good way to see stuff you might enjoy actually doing. With Halloween approaching (candy display was already up 2 weeks ago at Target): https://scontent-ort2-1.cdninstagram.com/vp/1287249...
by inbox788
Thu Sep 20, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: overcast is eating up my data plan
Replies: 4
Views: 872

Re: overcast is eating up my data plan

Are there ads? Video ads? That's probably what's consuming the data.
by inbox788
Thu Sep 20, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Elderly parents are in debt - Need advice
Replies: 39
Views: 4813

Re: Elderly parents are in debt - Need advice

Someone correct me if I am wrong, but you'd have to prove that you rely on their income to survive before adding yourself to the policy. Interesting question I know little about, but it's interesting what this says about insurable interest in the UK. No section on US yet. A person is presumed to ha...
by inbox788
Thu Sep 20, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Universal Life article in WSJ 9/20/18
Replies: 14
Views: 1579

Re: Universal Life article in WSJ 9/20/18

Couldn't help noticing a number of people quoted were insurance agents who bought into the product they sold. Like some products today, the agents selling them don't themselves truly understand what they're selling.
by inbox788
Thu Sep 20, 2018 10:05 am
Forum: Investing - Theory, News & General
Topic: Why are there so few long-term investors?
Replies: 18
Views: 2916

Re: Why are there so few long-term investors?

Why are there so few long-term investors? Most funds and ETFs have such great turnover. After Warren Buffett you would be hard pressed to think of the next big long term investor. Who do you mean by "investor"? Managers or funds themselves or their customers? https://www.investopedia.com/ask/answer...
by inbox788
Wed Sep 19, 2018 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Taking Over Management of $7M Portfolio - Need Review/Help Allocating
Replies: 50
Views: 4099

Re: Taking Over Management of $7M Portfolio - Need Review/Help Allocating

How did you decide upon the 70/30 AA? Since family is involved and the timeframe for distribution could be very soon, I would think you would want to prioritize capital preservation over growth. I'm actually taking the stock portion down from 86% (81% stock and 5% REIT) to 70% (65% stock, 5% REIT),...
by inbox788
Wed Sep 19, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: Experiences downsizing to single car
Replies: 34
Views: 3128

Re: Experiences downsizing to single car

How much does it cost to keep an extra car ? Obviously, it will vary depending on the car and where you live. But even if you rarely drive it, you need to pay for insurance and tags. So those are fixed costs. It's not just financial. It's time and space. My car is overdue for an oil change, so I ha...
by inbox788
Wed Sep 19, 2018 2:49 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Pro & Camcorder help!
Replies: 18
Views: 1354

Re: Apple MacBook Pro & Camcorder help!

My quick search found that the PV-GS9 is a miniDV camcorder. It has a firewire port, which would be the way to go if your Macbook Pro is old enough to be equipped with a firewire port. Otherwise, you'll likely need a USB capture device to capture from the A/V output. Maybe something like this? http...
by inbox788
Tue Sep 18, 2018 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Elderly parents are in debt - Need advice
Replies: 39
Views: 4813

Re: Elderly parents are in debt - Need advice

What type of policy and what are the costs? Any cash out value? The poor health may change the risk/benefit value of the policy, but is it totally clear it's worth keeping? What happens to the policy in bankruptcy?

https://hainesandkrieger.com/what-happe ... ankruptcy/
by inbox788
Tue Sep 18, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 33
Views: 2279

Re: $180 IPhone SE or $90 Iphone 5S

There is always the iPhone upgrade program where you get a new phone every year to stay cutting edge. :beer https://www.apple.com/shop/iphone/iphone-upgrade-program Apple has the GiveBack program where you can trade in an older phone for some value as long as it is working and in good shape. https:...
by inbox788
Tue Sep 18, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 98
Views: 7557

Re: Leasing Cars in Retirement

Obviously, this varies given the situation. Who says you have to take out the whole cost of a car in one year? With the lease there is typically money down and monthly payments which is money that could go toward the new car. If one lump sum puts you in the next tax bracket, do it over multiple yea...
by inbox788
Tue Sep 18, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: I see now why Rollovers can take FOREVER ....
Replies: 74
Views: 7894

Re: I see now why Rollovers can take FOREVER ....

...So far we spent an entire football game working on this. If I was billing out my hours for this, I would charge over $500 for this service. Who would pay $500 in order to get less than $200? I can see how a Vanguard CSR would just want to throw up their hands for working on some of these rollove...
by inbox788
Tue Sep 18, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 33
Views: 2279

Re: $180 IPhone SE or $90 Iphone 5S

Apparently I’m not the only one annoyed that the SE-sized iPhones are likely to be phased out. I find the size of the 7s and up to be both harder to use in my smallish hands and much less comfortable in front pant or shirt pocket. SE, 6, 6S and the X were all discontinued as of last Wednesday, Sept...
by inbox788
Tue Sep 18, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: Bond Funds vs. Individual Bonds: Can someone quanitfy?
Replies: 31
Views: 1972

Re: Bond Funds vs. Individual Bonds: Can someone quanitfy?

Many individual investors who purchase individual bonds tend to hold them to maturity. This means that the average effective duration of the bond portfolio slowly decreases over time. ... The primary advantage of owning individual bonds isn't going to be higher returns, but rather greater certainty...
by inbox788
Tue Sep 18, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America credit card “feature” (be careful with autopay)
Replies: 45
Views: 2723

Re: Bank of America credit card “feature” (be careful with autopay)

Personally, I use auto pay very sparingly, and only for recurring exact amounts ( such as home mortgage, insurance premiums, etc). No auto pay for credit cards, utilities, etc for me - just too many ways for the process to get tripped up. Such as when I got an erroneous $2,000 water bill a couple o...
by inbox788
Tue Sep 18, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 98
Views: 7557

Re: Leasing Cars in Retirement

Op here.....keywords are IN RETIREMENT. All purchases in our case would trigger a large taxable event, looking at how leasing might offset that or not...... Are you selling stocks? How long do you plan to keep your cars? How many miles do you drive a year? Isn't leasing just delaying the taxes? Is ...
by inbox788
Tue Sep 18, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 570
Views: 84543

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

Just got this email from the dealer where I bought the CRV and just took it in for the oil dilution issue. Coincidence or cause- and - effect? Vehicle is less than 14 months old and I don't ever recall an offer to trade one that soon. Maybe all the oil-dilution owners are viewed as ripe fruit. base...
by inbox788
Tue Sep 18, 2018 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs. EJ vs. Fidelity
Replies: 13
Views: 1040

Re: Vanguard vs. EJ vs. Fidelity

The company is moving the 401k plan to another company to manage it. I’ve read and heard nothing good about Empower Retirement services. The company was paying all fees on the account, now all the fees are being passed onto us. Based on everything I read, I am not comfortable with Empower. Your con...
by inbox788
Tue Sep 18, 2018 10:48 am
Forum: Investing - Theory, News & General
Topic: How can I buy ALIBABA and TENCENT stock?
Replies: 29
Views: 2620

Re: How can I buy ALIBABA and TENCENT stock?

Before you buy BABA make sure you know exactly what you are buying as you are not buying a direct share in ALIBABA. Do a search on Google and on this forum. Same when buying inexact proxies like AABA, that are a step further removed. It drove me nuts trying to figure out whether international funds...
by inbox788
Mon Sep 17, 2018 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor suggesting 7 Bond funds for my 40%
Replies: 44
Views: 5355

Re: Vanguard Advisor suggesting 7 Bond funds for my 40%

I think all of the responses assume that the OP has one taxable account and one tax-advantaged account. That's unlikely. The OP could have a taxable trust, a joint taxable account, a couple of inherited IRAs, a spouse with their own accounts, .... For instance, there could be a small inherited IRA ...
by inbox788
Mon Sep 17, 2018 10:44 pm
Forum: Investing - Theory, News & General
Topic: How can I buy ALIBABA and TENCENT stock?
Replies: 29
Views: 2620

Re: How can I buy ALIBABA and TENCENT stock?

The easiest way is to buy the corresponding ADRs BABA and TCEHY. It is possible to trade on a foreign exchanges though, if that's what you are asking. Probably you need to look at buying H-shares (Hong Kong) due to Chinese capital flow and foreign investment restrictions. Yahoo became Altababa (NAS...
by inbox788
Mon Sep 17, 2018 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life vs Universal Life Insurance
Replies: 30
Views: 1736

Re: Whole Life vs Universal Life Insurance

I am 29, and want to start a life insurance policy. I am attracted to the permanent plans... Did you seek out life insurance yourself, or have you been talking to insurance sales people (or financial "advisors" who are secretly insurance sales people -- ask them how they get paid)? These aren't the...
by inbox788
Mon Sep 17, 2018 5:08 pm
Forum: Personal Consumer Issues
Topic: are iPad Minis obsolete?
Replies: 28
Views: 3007

Re: are iPad Minis obsolete?

Hard to know exactly what Apple is thinking but my guess is that since the iPhone Xs Max 6.5" screen size is creeping closer to the size of a 7.9" iPad Mini Apple is debating whether to put more investment into the iPad mini. Yes, it's obsolete. It's in no mans land. Just get an iPhone XS if size a...
by inbox788
Mon Sep 17, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Experiences downsizing to single car
Replies: 34
Views: 3128

Re: Experiences downsizing to single car

Somewhat similar to your situation but we haveUber/Lyft in our area. We have one old car and when either one of us has to go out of town, we just rent a car. If you rent locally instead of the airport, it is very reasonable. For the time being, I'm resigned to admit that I use a car enough to need ...
by inbox788
Mon Sep 17, 2018 2:13 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor suggesting 7 Bond funds for my 40%
Replies: 44
Views: 5355

Re: Vanguard Advisor suggesting 7 Bond funds for my 40%

1) Questions is 7 bond funds too many? 2) Whats simpler with similar yield and safety? Yikes! Yes too many. What is the yield and safety from the 7 funds? For most, Total Bond or Intermediate Bond should be close enough if not better. There's a good chance more funds is diworsification. https://www...
by inbox788
Sun Sep 16, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: Experiences downsizing to single car
Replies: 34
Views: 3128

Re: Experiences downsizing to single car

Somewhat similar to your situation but we haveUber/Lyft in our area. We have one old car and when either one of us has to go out of town, we just rent a car. If you rent locally instead of the airport, it is very reasonable. How do you get to/from the car rental? That and the trouble/time/cost of r...
by inbox788
Sun Sep 16, 2018 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Considering an HSA with a baby on the way - good idea or bad?
Replies: 9
Views: 792

Re: Considering an HSA with a baby on the way - good idea or bad?

First off, don’t stress. You have health insurance, and are just trying to choose the better choice. There doesn’t seem to be enough information to make the best decision, and that’s just choosing the plan. With no immediate factors, HSA are often a better risk reward, but like you’re figuring out, ...
by inbox788
Sat Sep 15, 2018 7:34 pm
Forum: Investing - Theory, News & General
Topic: ESOP, Options, Restricted Shares holders: When do you sell?
Replies: 21
Views: 1088

Re: ESOP, Options, Restricted Shares holders: When do you sell?

My company stock has averaged about a 20% annual return since I started. This is less than my average portfolio return. Hindsight says I should have held all my company stock. Foresight isn't as clear, but my conscience is. Are you saying "my average portfolio return" exceeded "20% annual return" d...
by inbox788
Sat Sep 15, 2018 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security Until 70
Replies: 115
Views: 9379

Re: Delaying Social Security Until 70

If you are single the calculations are simple :all that matters is how long you willlive My father died at 55 my mom at 75.I understood I would have to live till 78 to come out ahead if I waited till 70 so I didn't take it at 62 but took it when I retired. ifI am wrong won't go broke and taking it ...
by inbox788
Sat Sep 15, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Cheapest smartphone option for 2 weeks
Replies: 12
Views: 881

Re: Cheapest smartphone option for 2 weeks

student wrote:
Fri Sep 14, 2018 1:48 pm
You may want to consider a prepaid plan with a phone. If it is is just for 2 weeks, can you do without a phone?
Are you trying to keep your number? Can you?

I like the no phone idea.
by inbox788
Sat Sep 15, 2018 3:02 am
Forum: Investing - Help with Personal Investments
Topic: DAF > Roth IRA? 12% tax bracket, no taxable
Replies: 46
Views: 3670

Re: DAF > Roth IRA? 12% tax bracket, no taxable

Yet another idea I've had is "using a DAF" to pay for college expenses: 1) DAF assets will not show up on a FAFSA, potentially allowing you to qualify for some kind of aid. 2) Additionally, tax clumping during FAFSA years may also increase eligibility for aid. 3) A person committed to charitable gi...
by inbox788
Fri Sep 14, 2018 8:03 pm
Forum: Investing - Theory, News & General
Topic: ESOP, Options, Restricted Shares holders: When do you sell?
Replies: 21
Views: 1088

Re: ESOP, Options, Restricted Shares holders: When do you sell?

My company stock has averaged about a 20% annual return since I started. This is less than my average portfolio return. Hindsight says I should have held all my company stock. Foresight isn't as clear, but my conscience is. Are you saying "my average portfolio return" exceeded "20% annual return" d...
by inbox788
Fri Sep 14, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 98
Views: 7557

Re: Leasing Cars in Retirement

1. Driving cars with new/current technology 2. Car under warranty for entire term of lease 3. Tired of selling cars (can be a real PITA) 4. Very hard to keep cars in mint condition - too many people who park righ next to you and don’t care about your property. 5. Less worry about little nicks and d...
by inbox788
Thu Sep 13, 2018 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 10312

Re: Massive Student Loan Debt - Fiancee

Suze Orman promotes this method, or she used to when she was on TV Saw her earlier today plugging a new book. See comments around 4 and a half minutes into the clip. https://www.cnbc.com/video/2018/09/13/suze-orman-on-women-in-the-workplace-you-cant-have-power-without-money-jobs-book-career-men.html
by inbox788
Thu Sep 13, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: New car or used?
Replies: 6
Views: 724

Re: New car or used?

Does the Accord have the same engine that's giving the CRV trouble? I've crossed CR-V off my list and Civic and Accord that shares same engine. If you're leasing the car, it may not matter, but if you're keeping long term, be more cautious. How bad is the decision of buying a 2018 Honda CR-V conside...
by inbox788
Thu Sep 13, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: DAF > Roth IRA? 12% tax bracket, no taxable
Replies: 46
Views: 3670

Re: DAF > Roth IRA? 12% tax bracket, no taxable

Hmm, the compounded growth tax benefit could continue if you to feed the DAF with your ongoing cash flow & taxable. Still doesn't get back Roth space AFAIK. This situation seems likely for moderate earners with high savings rates, and I imagine there are quite a few Bogleheads who fall into that ca...
by inbox788
Thu Sep 13, 2018 11:27 am
Forum: Investing - Help with Personal Investments
Topic: DAF > Roth IRA? 12% tax bracket, no taxable
Replies: 46
Views: 3670

Re: DAF > Roth IRA? 12% tax bracket, no taxable

Except you can, and much more. Every year that you itemize, you can make a "free" Roth conversion. (You'd have to decide which you'd rather have, increased Roth space or the tax savings as cash in hand.) I'm not sure I understand this correctly. Years when you're taking the standard deduction doesn...
by inbox788
Thu Sep 13, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 10312

Re: Massive Student Loan Debt - Fiancee

What are the job prospects and potential salary range she is looking at? I question the PSLF as a route as likely she should be able to get a really good job and pay off the debt with your combined household income. Of course if she takes some low paying public service job things will be different ...
by inbox788
Thu Sep 13, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Anyone into Essential Oils?
Replies: 40
Views: 2577

Re: Anyone into Essential Oils?

I'm allergic to many of these so called essential oils. YMMV