Search found 5465 matches

by inbox788
Wed Aug 22, 2018 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Company Stock - % in portfolio
Replies: 42
Views: 3834

Re: Company Stock - % in portfolio

...I am not finding good investment options to put that money in , Suggestions ? What would you do with $10k cash that landed on your head? Money is fungible, so once you figured out what to do, it doesn't really matter where it comes from. The correct answer is sell all the RSU and buy VTSMX and/o...
by inbox788
Wed Aug 22, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: I own 1,387 items!
Replies: 128
Views: 10502

Re: I own 1,387 items!

That number doesn't seem that big to me. I mean I have 8 each of large plates, small plates, bowls, glasses, and 16 each of silverware. That's over 100 in one cabinet and one drawer. We have an ice cream scooper and a melon baller if that gives you a sense for the rest of the kitchen. Easily anothe...
by inbox788
Wed Aug 22, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Toyota Camry - Considering Purchase - Panoramic Sunroof?
Replies: 30
Views: 1816

Re: Toyota Camry - Considering Purchase - Panoramic Sunroof?

Can't help with the sunroof question (personally, I hate them), but with 19's coming in, while you may find better incentives moving forward, you might be stuck with the base model pink car with every option except air conditioning. If you're looking for something in particular, don't wait till the...
by inbox788
Mon Aug 20, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Costco penny install sale & road hazard terms
Replies: 31
Views: 2855

Re: Costco penny install sale & road hazard terms

After buying tires at Costco for many years, I'll be going elsewhere next time. Costco used to be significantly cheaper then other outlets; I don't think that is true any longer. And the long waits in the two Costco centers near me are what has soured me. Even with an appointment, you still need to...
by inbox788
Mon Aug 20, 2018 1:46 am
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 105
Views: 13699

Re: Teachers Who Have Net Worth of $1 million +

Several years ago I asked CalSTRS what percentage of retired teachers had benefits: I was told that in 2002 the Office of the Actuary, found the following results: 75.7% have been retired five + years; 53% have been retired for 10+ years; 33.8% have been retired for 15+ years; 18.4% have been retir...
by inbox788
Sun Aug 19, 2018 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 105
Views: 13699

Re: Teachers Who Have Net Worth of $1 million +

I do not believe that you could, or should, value your potential pension payment over a period of 20 or 30 years and use it to claim a net worth for that figure. A pension is an income stream for your retirement. This has been addressed in many of our threads. I agree and don't count any future pen...
by inbox788
Sun Aug 19, 2018 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance for Young Couple
Replies: 41
Views: 3562

Re: Term Life Insurance for Young Couple

Sorry about that. Yes, we are both employed at this time and it's likely that both of our incomes will increase significantly over the next couple of years. At this point, it would be difficult for one of our incomes to fully pay our expenses, even when paired down to the basics. Is life insurance ...
by inbox788
Sat Aug 18, 2018 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: 4-5 yrs to retirement--seeking insights on funds & priorities
Replies: 17
Views: 2420

Re: 4-5 yrs to retirement--seeking insights on funds & priorities

When starting off, you think of yearly budget and expenses, so $300 car payment is part of your cash flow, but nearing retirement and during retirement, you've got $700k in retirement savings, so it's simpler to think of the $20k car loan/payment than worrying about $300 and how many months. The 1% ...
by inbox788
Sat Aug 18, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: Switch to auto lease after retirement?
Replies: 38
Views: 3140

Re: Switch to auto lease after retirement?

Leasing is cheaper than buying and selling for every 6 to 8 years. I think the breakeven spot is normally 8 years. It's not the cheapest option though. But hey, if you've earned it, spend it. Go for the car that you want, don't settle for less. I find that hard to believe. If leasing the same new c...
by inbox788
Sat Aug 18, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Switch to auto lease after retirement?
Replies: 38
Views: 3140

Re: Switch to auto lease after retirement?

We have always paid cash for our cars and driven them for 6 to 8 years. I retired a couple of years ago and I'm getting ready to replace my car and I was intrigued by low lease rates currently advertised. I did the arithmetic of comparing my total out of pocket costs (purchase price minus sale/trad...
by inbox788
Thu Aug 16, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 105
Views: 13699

Re: Teachers Who Have Net Worth of $1 million +

It very much depends on where you live and teach. I know quite a few teachers. Most do not seem to be concerned so much about net worth. Their pensions are, or will be, 87.5% of salary after 35 years (plus SS in my state) and they are now well into middle age making in the $80K to $95K range. Newer...
by inbox788
Thu Aug 16, 2018 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Helping elderly mother with her finances - 2 issues
Replies: 17
Views: 1804

Re: Helping elderly mother with her finances - 2 issues

Is she asking for help? Will she listen? What 70 year old buys all that insurance? Why whole life? "the house was fully paid off for many years, but there were legit reasons for borrowing against the house" And you're getting suggestions about a reverse mortgage. I'm skeptical that a reverse mortgag...
by inbox788
Thu Aug 16, 2018 11:00 am
Forum: Investing - Help with Personal Investments
Topic: How Best to Utilize Permanent Life Insurance Upon Retirement
Replies: 22
Views: 1802

Re: How Best to Utilize Permanent Life Insurance Upon Retirement

1. Leave them alone. Death benefit and cash value continue to grow, dividend pays premium. 2. Take out policy loans for income. Allow cash value to erode over the years as I take out policy loans as income with no intention to repay. Obviously I'd need to make sure that cash value remained high eno...
by inbox788
Thu Aug 16, 2018 2:24 am
Forum: Investing - Help with Personal Investments
Topic: Advisor Dumped, Now How to Best Simplify
Replies: 20
Views: 2586

Re: Advisor Dumped, Now How to Best Simplify

How much cash did you invest and how much is it worth now? And when did you start investing? If it's a relatively small amount or gain or you haven't invested that long, the tax costs may be small.
by inbox788
Tue Aug 14, 2018 8:24 pm
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 3500

Re: Best consumer products - made in USA

Toyota vehicles? They're world sourced. In that case, add Boeing airplanes to the list. Some items necessarily are made in the USA like bourbon and Tennessee whiskey. https://en.wikipedia.org/wiki/Bourbon_whiskey#Legal_requirements I think Deere and Caterpillar are still mostly made in the USA. And ...
by inbox788
Tue Aug 14, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: Solutions for Printing from a Chromebook
Replies: 16
Views: 1379

Re: Solutions for Printing from a Chromebook

I've owned several Brother printers and their wifi connection is terrible (they're not alone in this). I've had good luck setting static IP address and manually adding printers (with Windows and MacOS), but none of them support Chromebooks. If you have a newer Brother multifunction, you might give a...
by inbox788
Tue Aug 14, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Return Protection: Citi Doublecash
Replies: 12
Views: 1371

Re: Return Protection: Citi Doublecash

Who did you write the letter to? Eastbay is part of Footlocker (NYSE FL) (formerly Woolworth - still operating in some other parts of the world). You could escalate the matter up to corporate (not customer service) if it's worth your time/trouble or you can boycott the whole corporation or both. htt...
by inbox788
Tue Aug 14, 2018 1:16 pm
Forum: Investing - Theory, News & General
Topic: What's a good way to calculate when I have won the game??
Replies: 23
Views: 4584

Re: What's a good way to calculate when I have won the game??

We currently live on about 75K a year but I actually think that will increase after retirement. My wife likes to travel and she spends more money when shes bored... Other than medical, this was the other variable that was/is the toughest to estimate. So far, both have been (upwardly) moving targets...
by inbox788
Tue Aug 14, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 59
Views: 4357

Re: Decided on Chromebook, now need spec help

I read that too, but my impression was a little different. Was it that they are adding Windows 10 capability to the Chrome OS, or to certain Chromebooks? I was picturing a dual boot machine that would run either Windows or Chrome. In that case, would it still be a Chromebook? Nice correction - dual...
by inbox788
Tue Aug 14, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Claiming airline compensation
Replies: 9
Views: 863

Re: Claiming airline compensation

Claiming on your own is done all the time. Check Flyertalk or TripAdvisor Air Travel forums for more info too. http://www.thisismoney.co.uk/money/holidays/article-2271213/How-claim-EU-flight-delay-compensation-EC-261-2004.html https://thepointsguy.com/2014/02/how-to-get-eu-passenger-rights-compensa...
by inbox788
Tue Aug 14, 2018 10:13 am
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 25321

Re: Invest in Tesla?

5. Where does the $2 trillion figure come from? The bulk of that is based on Aramco’s value. While the Aramco holding would vault the PIF ahead of Norway’s $850 billion sovereign wealth fund, currently the world’s largest, most of the PIF’s assets will be illiquid until the Saudis sell Aramco share...
by inbox788
Mon Aug 13, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 569
Views: 83792

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

The CRV was bought 11/2017, the 1 quart drain/fill was done 4/4/18 at 3600 miles when the level increased 1/8 inch pass the mark I had scribed on the dipstick. The full oil change was done 5/6/18 at 5112 miles. I’d say for this area is was a cold winter. Normal daily driving with about 4 beach trip...
by inbox788
Mon Aug 13, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Yet Another WL insurance question [Whole Life]
Replies: 10
Views: 659

Re: Help! Yet Another WL insurance question [Whole Life]

I've been doing research lately and I'm really trying to get a control of the financial aspect of my life. So I have an expensive NWM WL policy for 1M, with an annual premium of about 11K. I've had it for about 7 years. The guaranteed surrender this year is $59k. According to the illustration, my p...
by inbox788
Mon Aug 13, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 569
Views: 83792

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

I bought a new CRV EXL in Nov 2017. Got it about 125 miles from home to dodge the worthless dealer option scam and the next morning just had to check it out. Found the oil level way over full. I’m a retired vehicle technician, 12 years in a dealership and 26 at FedEx. Dropped the panel and drained ...
by inbox788
Mon Aug 13, 2018 6:28 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 25321

Re: Invest in Tesla?

How would he do it with Saudi money? CIFIUS would definitely reject this especially if there is cross research with SpaceX. Same would probably go for Tencent and maybe Softbank(but they could be tapped out after ARM buyout) Tesla is currently a $60B company at $356/share. Which holders would need ...
by inbox788
Mon Aug 13, 2018 4:59 pm
Forum: Investing - Theory, News & General
Topic: What's a good way to calculate when I have won the game??
Replies: 23
Views: 4584

Re: What's a good way to calculate when I have won the game??

We currently live on about 75K a year but I actually think that will increase after retirement. My wife likes to travel and she spends more money when shes bored... Other than medical, this was the other variable that was/is the toughest to estimate. So far, both have been (upwardly) moving targets...
by inbox788
Mon Aug 13, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: What's the reason you would buy reading glasses at...
Replies: 42
Views: 2576

Re: What's the reason you would buy reading glasses at...

My ophthalmologist told me the inexpensive dollar store glasses are fine, and that they won't hurt your eyes. I have perfect distance vision with the help of my contacts, but at 50, I am now having quite a hard time reading up close. Several pair of reading glasses stashed around the house works fo...
by inbox788
Mon Aug 13, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 59
Views: 4357

Re: Decided on Chromebook, now need spec help

If you aren't using Android Apps, how is it slow? Looking at websites in the browser? Yes, browsing. If looking at light sites like BH, it's no problem, but more and more sites are getting content "heavy". More videos, animations, automations, etc. Also, with google docs, the spreadsheets and docum...
by inbox788
Mon Aug 13, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: Using Uber Without A Cellular Data Connection (UPDATE)
Replies: 25
Views: 2603

Re: Using Uber Without A Cellular Data Connection

We’ll be in Amsterdam in a couple of weeks and want to take Uber from the airport to our hotel in the downtown area. I believe the airport has free WiFi but am concerned that if there’s a problem it will be difficult to contact the driver. Has anyone dealt with this before? I've used Uber with WiFi...
by inbox788
Mon Aug 13, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 59
Views: 4357

Re: Decided on Chromebook, now need spec help

I agree the processor and storage aren't that important. For me, storage hasn't been important since the whole point of a chromebook is to have everything in the cloud, and local storage has been cumbersome and limited. On the other hand, processor has been an issue, with most all processors too sl...
by inbox788
Mon Aug 13, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 59
Views: 4357

Re: Decided on Chromebook, now need spec help

Based on your use case and your prior computer, I'm not sure you need an i5 or 8gb but those are nice to haves. Depends on your budget. Look at wirecutter or https://chromeunboxed.com/ or https://www.aboutchromebooks.com/ If you have $750, go ahead and get the Google Pixelbook which is on sale for ...
by inbox788
Mon Aug 13, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Unlocked iPhone on eBay or Amazon?
Replies: 22
Views: 1445

Re: Unlocked iPhone on eBay or Amazon?

I highly recommend Swappa, a website I have used many times for buying and selling my phone's. The site does a great job of vetting phones and helps quantity condition levels. I used to be a fan, but my last interaction was a disappointment. Ran into a bad seller, and the company intervention was l...
by inbox788
Sun Aug 12, 2018 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: $1M in cash - invest or pay down mortgage
Replies: 21
Views: 3816

Re: $1M in cash - invest or pay down mortgage

I think you could use some paid professional advice given the size of the portfolio, along with tax and estate planning considerations. Are you already managing a high six, low seven figure portfolio? No offense, but you seem new to investing and sometimes it is worth paying for professional advice...
by inbox788
Sun Aug 12, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Aqua Shoes for Beach
Replies: 16
Views: 1576

Re: Aqua Shoes for Beach

Water shoes are dependent on what you're doing in the water, and the temps. ... Keen sandals, the pick of many kayakers, work well if you're only on docks or in a watercraft. The minute you step into water with rocks and sand, that slides between your foot sole and the shoe, making walking uncomfor...
by inbox788
Sun Aug 12, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Why should I even bother cashing in W-Life policy?
Replies: 5
Views: 915

Re: Why should I even bother cashing in W-Life policy?

If the cash value is $21k and the policy value is still at face value, you're only insuring the remaining $4k. The ROI may not be worth it, and you may get better returns elsewhere. Tax situation also plays a part. Details from an inforce illustration would be helpful to figure out the returns. In a...
by inbox788
Sun Aug 12, 2018 12:09 am
Forum: Personal Consumer Issues
Topic: My experience with CloudReady (convert your PC or Mac into a Chromebook)
Replies: 23
Views: 2304

Re: My experience with CloudReady (convert your PC or Mac into a Chromebook)

I've tried CloudReady on a couple of older PCs with fair success. On an older slower system, it works adequately, but like a slow Chromebook. I setup a dual book Windows 10/CloudReady not as old and not as slow system, and it ran CloudReady at decent speeds. Unfortunately, they're discontinuing supp...
by inbox788
Sat Aug 11, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: Strange refund from gas co. on closed account
Replies: 7
Views: 897

Re: Strange refund from gas co. on closed account

You are the reason why these checks are mailed out. Just cash it and buy a soda or something. For the 99.8% of the rest of us who haven't made changes to our utility (and still have open accounts), it would simply be more efficient to take the funds and use them to reduce our bills or prop up the ut...
by inbox788
Sat Aug 11, 2018 7:26 am
Forum: Investing - Help with Personal Investments
Topic: $1M in cash - invest or pay down mortgage
Replies: 21
Views: 3816

Re: $1M in cash - invest or pay down mortgage

Would you recommend one of these options, or maybe another option or approach? Your thoughts and guidance would be greatly appreciated! Selling the second home is a good idea to simplify their lives and reduce risks. How is it used now, and why haven't they sold it sooner? Renting out turns them in...
by inbox788
Tue Aug 07, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 111
Views: 7498

Re: Minivan Vs SUV Experience

Are you driving a Sienna Limited 4WD with all the options? It’s not that far off from the Volvo in luxury nor cost, and it’s the better family car. See if you have the money to spend or want to spend it now.
by inbox788
Tue Aug 07, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?
Replies: 75
Views: 5149

Re: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?

I do not have my own personal business and my children do travel sports. Often we fundraise from local businesses for small sponsorships -- think dentist, realtor, etc. These funds go to the team's travel tournament fees, uniforms, and sometimes rental space for practices. This year, I am thinking ...
by inbox788
Tue Aug 07, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to lose $200 in taxable income?
Replies: 96
Views: 7243

Re: Best way to lose $200 in taxable income?

A sure loser would not be an option that's actually worth $200 right before close, as some have mentioned. That would imply the strike is too close to the spot rate, and it's actually not an insane bet - unless it's a high volatility single stock - which you definitely don't want. You want an absol...
by inbox788
Fri Jul 27, 2018 3:10 am
Forum: Personal Consumer Issues
Topic: Figuring out long-term technology plan for kids - Chromebook?
Replies: 43
Views: 2486

Re: Figuring out long-term technology plan for kids - Chromebook?

But kids should be learning all they can about technology rather than being offered simple solutions. IMO, of course. IMO, many kids learning basic math and reading and writing have enough to deal with without complicating advanced technologies and getting too much help from automatic spelling corr...
by inbox788
Fri Jul 27, 2018 1:39 am
Forum: Investing - Theory, News & General
Topic: Facebook stock in freefall! (20% drop in 1-day)
Replies: 120
Views: 11236

Re: Facebook stock in freefall! (20% drop in 1-day)

Individual stocks do stuff like that. Now despite all of the alarmist talk about cap-weighting and the way the S&P 500 is dominated by FAANGs and we're putting 18% of our eggs in five baskets etc., let's do some mental math. Facebook = less than 2% of the market by cap weight. So a 20% drop in Face...
by inbox788
Wed Jul 18, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Did I get ripoff by this car mechanic?
Replies: 37
Views: 4003

Re: Did I get ripoff by this car mechanic?

You should have done it yourself and saved the labor! Seriously, this might have been part of the repair. https://www.youtube.com/watch?v=lifJa1vq6M4 How long did they have the car? How many working days or hours? Besides the code, what other problems were you experiencing? Did the cracked hose caus...
by inbox788
Wed Jul 18, 2018 12:13 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 25321

Re: Invest in Tesla?

Is it a good time to buy Tesla? Yes, at 258 on March 28. Did you? And if trading, did you sell at the peak of 370 on June 18? Today it's 322. Invest in Tesla? If you're in it for the long haul, any of these prices may be good if they succeed with their plan. Here's an interesting take on their opti...
by inbox788
Wed Jul 18, 2018 2:05 am
Forum: Personal Consumer Issues
Topic: 35 minute connection for flight, long enough?
Replies: 65
Views: 3936

Re: 35 minute connection for flight, long enough?

Folks, Thanks for your excellent advice, we've decided to get a direct flight into ORD instead. You're trading one risk for another. For a 35 minute connection, even if you make it, sometimes your checked luggage might not, so that's something to consider if you're trying a tight connection. It's p...
by inbox788
Tue Jul 17, 2018 7:37 pm
Forum: Personal Consumer Issues
Topic: Costco Membership
Replies: 54
Views: 7131

Re: Costco Membership

Have a Costco member give you a gift card for a purchase, reimburse them and go without a membership. I believe this is allowed based on just making a Google search. Tim Shhhhhh! Greatest life hack I know of. Not supposed to talk about this in a public forum! It's a hack. But it's not a great hack....
by inbox788
Tue Jul 17, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: Costco Membership
Replies: 54
Views: 7131

Re: Costco Membership

Have a Costco member give you a gift card for a purchase, reimburse them and go without a membership. I believe this is allowed based on just making a Google search. Tim Shhhhhh! Greatest life hack I know of. Not supposed to talk about this in a public forum! It's a hack. But it's not a great hack....
by inbox788
Tue Jul 17, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: How much furniture spending is ok?
Replies: 46
Views: 3164

Re: How much furniture spending is ok?

Wow, ya'll spend a lot on furniture! I live in a 4-bedroom, 1800 sq ft home, and own about $200 worth of furniture. Got some Ikea tables (free to me) zip tied together at the legs to make a big desk. Mattress on the floor in one bedroom (the other three bedrooms are empty). An inexpensive desk chai...
by inbox788
Sun Jul 15, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: Surface Pro(2017) vs 9.7" iPad 2018 (edited)
Replies: 35
Views: 2702

Re: Surface Pro(2017) vs 9.7" iPad 2018 (edited)

What did you get? The Boglehead in me went with 02nz's suggestion. I went to Costco and got the 2018 iPad for $399 with 128GB storage, along with an Apple Pencil.I also got a small Logitech Bluetooth keyboard from Best Buy for less than $30. A few days later, Serif announced it was launching Affini...