Search found 4178 matches

by inbox788
Thu Oct 12, 2017 12:34 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Non-US Valuations Look Attractive
Replies: 74
Views: 7695

Re: Larry Swedroe: Non-US Valuations Look Attractive

I'm confused. Am I supposed to increase my non-us holdings based on this? Why didn't you tell me this in January before VXUS went up over 20% (vs VTI up 13) when it was 20% more attractive? If my ideal 50/50 US/Int AA goal was rebalanced in January, I'd be overweight non-US and rebalancing now would...
by inbox788
Thu Oct 12, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Mechanic expects me to pay for his mistake
Replies: 41
Views: 3378

Re: Mechanic expects me to pay for his mistake

I guess that is the Crux of my main issue is that the mechanic did know of this risk but did not inform me. That may have changed whether or not I would have changed the plugs. The issue I was having in the first place is very intermittent and has been there off and on for a couple years. I thought...
by inbox788
Wed Oct 11, 2017 12:22 am
Forum: Investing - Help with Personal Investments
Topic: 2M savings investment help
Replies: 45
Views: 8533

Re: 2M savings investment help

I'm lost in the weeds and can't figure out the problem. If it's simply the $2m in taxable, it needs to be in the context of the portfolio. What is the current overall AA? What is the desired? Seems like it can be a wide range, so absent a particular need, 50/50 is as good as any. The rest of the pro...
by inbox788
Tue Oct 10, 2017 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: I need a better online checking w billpay and mobile check deposit
Replies: 34
Views: 2807

Re: I need a better online checking w billpay and mobile check deposit

I use BoA. Works great. My monthly mobile deposit limit is $50k. Daily limit is same. Maybe call and see why you’re is $5k. I use BoA, an I wouldn't say it's that great. It's adequate and mostly gets the job done, but there's plenty of room for improvement. But I've tried others, and they're worse ...
by inbox788
Tue Oct 10, 2017 5:21 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 12638

Re: 100% in bond to wait for market crash?

fipt2030 wrote:
Tue Oct 10, 2017 5:16 pm
Where do you get 2% in CD's ?
https://ratebrain.com/5-year-cd
by inbox788
Tue Oct 10, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: My Son is buying a 2017 Toyota RAV 4
Replies: 28
Views: 3269

Re: My Son is buying a 2017 Toyota RAV 4

OP: I would ask for BOTH the 3000 rebate and the 0% loan. If he thinks he has a good deal and hasn't put a down-payment down yet he can make this the final negotiation point. (I wouldn't be too concerned with the age of the vehicle on the lot as long as I was paying far enough below invoice price. ...
by inbox788
Tue Oct 10, 2017 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: admiral shares or investor shares?
Replies: 24
Views: 3117

Re: admiral shares or investor shares?

I'm currently in a vanguard target 2040 fund (vforx) (.16% ER) that is about to cross the $10,000 threshold, which qualifies me for an admiral share. i am torn between investor shares & admiral shares...also, vanguard is prompting me to transition to a brokerage account, any advice you can give me ...
by inbox788
Mon Oct 09, 2017 11:18 pm
Forum: Personal Consumer Issues
Topic: My Son is buying a 2017 Toyota RAV 4
Replies: 28
Views: 3269

Re: My Son is buying a 2017 Toyota RAV 4

Toyota strengthened the driver's side to pass the small overlap crash test, but apparently it didn't bother with the passenger side. http://www.iihs.org/iihs/news/desktopnews/vehicles-with-good-driver-side-protection-may-leave-passengers-at-risk That's sneaky, just like when they reinforced only th...
by inbox788
Mon Oct 09, 2017 7:03 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 12638

Re: 100% in bond to wait for market crash?

Thaler has found that the number of options on a 401(k) menu can affect the employees' selections. Those with a choice of a stock fund and bond fund tend to invest half in each. Those with a choice of three stock funds and one bond fund are likely to sprinkle an equal amount of their savings in eac...
by inbox788
Mon Oct 09, 2017 6:59 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 12638

Re: 100% in bond to wait for market crash?

We just started putting roughly $500k to taxable account last month that I am thinking to move it to intermediate tax exempt bond. If the money was appreciated from the stock, I would feel more comfortable leaving it there in stock. How did you attain this $500k last month? That is where was it a m...
by inbox788
Mon Oct 09, 2017 3:17 pm
Forum: Forum Issues and Administration
Topic: Getting Malwarebytes warnings on this site
Replies: 18
Views: 2899

Re: Getting Malwarebytes warnings on this site

Sometimes a site itself is fine, but links or embedded content, such as ads are malicious. Does it depend on which page you are loading or intermittent with same page? When a banner ad is rotated, the bad site might only come up some of the time. Don't do anything, but reload the page to fix. Don't ...
by inbox788
Sun Oct 08, 2017 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Freeze - What did you do?
Replies: 71
Views: 5975

Re: Pension Freeze - What did you do?

Late last year, my company froze the pension, and replaced it with more contributions to the 401k whether employees contribute or not... on top of the match. A few weeks after the announcement, HR had a whole bunch of open meetings to go through the details, and then the third party benefits consul...
by inbox788
Sun Oct 08, 2017 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: converting espp to vanguard fund
Replies: 5
Views: 366

Re: converting espp to vanguard fund

Its a backup fund and the chances are I wont use it after 2-3 years. I don't care if the funds go up/down by 5-10% but I will be concerned if it goes down by 40-50%. Since the market is at all time high and everyone is talking about recession in next 2-3 years. I am worried about putting a huge amo...
by inbox788
Sun Oct 08, 2017 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Should I keep my Stocks?
Replies: 42
Views: 3984

Re: Should I keep my Stocks?

Inbox788, have you calculated the returns from your individual stocks? I found a few months ago that I could tweak a Quicken report to do this for me. I would be curious how you have done. It wouldn't be meaningful. I've only kept the winners, and don't include the winners and losers I sold (surviv...
by inbox788
Sun Oct 08, 2017 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Should I keep my Stocks?
Replies: 42
Views: 3984

Re: Should I keep my Stocks?

I am just trying to understand why EJ advisors recommend putting half of your money in mutual funds and half in individual equities. Diworsification! http://www.businessdictionary.com/definition/diworsification.html Do you know which half did better? After fees? Any simple way to figure out returns...
by inbox788
Sun Oct 08, 2017 12:59 am
Forum: Personal Finance (Not Investing)
Topic: Anyone went to top 10 business school? Got a 730 on GMAT. Thoughts?
Replies: 28
Views: 10065

Re: Anyone went to top 10 business school? Got a 730 on GMAT. Thoughts?

https://poetsandquants.com/2015/12/26/hbs-acceptance-rates-by-gmat-gpa/2/ I have no idea where they get these stats, but if they're anything close to accurate, it doesn't matter what your GPA or what you get on your GMAT, you have 80% or more chance of being rejected. So while it might make a small ...
by inbox788
Sat Oct 07, 2017 9:13 pm
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 3359

Re: Simple Notebook/laptop

Fair enough, but what specifically did you think was lacking in the 2-in-1 Chromebooks? I ask because I was thinking about getting one, but my experience with a Windows 2-in-1 a few years ago was that it was much too heavy to use as a tablet and that I detest typing on a virtual keyboard. There are...
by inbox788
Sat Oct 07, 2017 8:39 pm
Forum: Personal Consumer Issues
Topic: Does my Honda CRV need servicing?
Replies: 11
Views: 999

Re: Does my Honda CRV need servicing?

Yes, it does. At 85k miles, you should have oil & filter changes; transmission fluid flush; radiator fluid flush; brake fluid flush. Presumably other things should have been done, like tire rotation, and inspections of bolts on the chassis; retorque drive shaft and axle bolts. Air filters, cabin fi...
by inbox788
Fri Oct 06, 2017 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating merit scholarships
Replies: 32
Views: 2188

Re: Negotiating merit scholarships

Besides cash, are they offering anything else? I've seen some schools create special programs or designations for incoming students to try to compete with higher ranked schools. I don't know anything about them, or whether they're effective (either in recruiting or outcomes), but it's worth a look i...
by inbox788
Fri Oct 06, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 3359

Re: Simple Notebook/laptop

They're not bad devices, but I don't think they're ripe yet, and don't think beginners need to be guinea pigs. I'd revisit in a year or two. That might have been valid five years ago, but not now. First Chromebook was on the market in 2011. As someone who has only played with a Chromebook, specific...
by inbox788
Fri Oct 06, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Health insurance gamble?
Replies: 24
Views: 2170

Re: Health insurance gamble?

Did she use the hospital that she works at? It would be ridiculous if the hospital HR or other red tape caused her to be billed by that hospital for services and go unpaid. If you're unable to work your way through HR and get a timely and satisfactory result, maybe it's time to work up another chain...
by inbox788
Fri Oct 06, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 3359

Re: Simple Notebook/laptop

Have you ever used a Chromebook 2 in 1? Take a look at the user and professional reviews on these Chromebook 2 in 1s. People love them! I've played with them a little, but no long term use. The reviews are mostly good, but those are mainly supporters. I'm guessing the people who love them are mostl...
by inbox788
Fri Oct 06, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 3359

Re: Simple Notebook/laptop

A step up from a Chromebook is a 2-in-1. It has some if the features of a tablet (lighter weight, ability to reduce the form factor size) while keeping some of the benefits of a laptop (full Windows OS, full size keyboard, etc.). Examples are the Lenovo Yoga line; Dell, Asusu and HP make similar pr...
by inbox788
Fri Oct 06, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 3359

Re: Simple Notebook/laptop

Yep, Barefootgirl did not necessarily emphasize the desire for the cheapest solution (it was simplicity first), and cheapest is not always the best overall or the simplest solution. Simplicity is expensive. If there is not enough processing power, you have to be careful not to open too many things ...
by inbox788
Fri Oct 06, 2017 3:39 am
Forum: Investing - Help with Personal Investments
Topic: Pension Now (Age 36) or Later (Age 65)?
Replies: 45
Views: 3616

Re: Pension Now (Age 36) or Later (Age 65)?

I wouldn't worry too much about insolvency. While remotely possible, very unlikely. Chances are they're simply trying to get the liability and bookkeeping off heir books, so after they pay off the folks who cash out now, they'll sell the portfolio to a finance or insurance company. I'd keep it becau...
by inbox788
Fri Oct 06, 2017 3:01 am
Forum: Personal Consumer Issues
Topic: Sent to collections by a hospital we've never been to?
Replies: 40
Views: 3607

Re: Sent to collections by a hospital we've never been to?

Could you possibly have a teenager or young adult who needed care and didn't want you to know? When you talk to the collection agency ask them to send you proof that it is your bill and what the bill is for. There is a bit of a chicken and egg problem, especially with PHI. Unlikely the hospital wou...
by inbox788
Wed Oct 04, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 3359

Re: Simple Notebook/laptop

Agree, the consensus answer seems to be Chromebook. But do you have the right question? What is your mom going to do online? Anything offline? For some tasks an iPad may be a better answer. Also, do you have an old unused laptop lying around? Give CloudReady a try! https://www.neverware.com/freedown...
by inbox788
Tue Oct 03, 2017 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Think I Should Dump this Whole Life Policy
Replies: 13
Views: 1244

Re: Think I Should Dump this Whole Life Policy

Why did you add the "Riders: Accelerated Death Benefit, Transfer of Insured, Waiver of Premium" and how much is each one costing you? They're all highly unlikely to come into play, and even if it were, the Accelerated Death Benefit might only be slightly useful decades from now. And how are your fin...
by inbox788
Tue Oct 03, 2017 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Is an HSA required if one has HDHP?
Replies: 24
Views: 1534

Re: Is an HSA required if one has HDHP?

Wisconsin Yes, active employees get $1500 per year in the HSA and don't get the $3 per month charge. Retirees get no contribution to HSA (or actually -$36) and no contribution to health insurance (value of accumulated sick leave can pay premiums for limited time). They only started HDHP a couple ye...
by inbox788
Tue Oct 03, 2017 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance with long term care rider
Replies: 6
Views: 702

Re: Life insurance with long term care rider

It is never bought for the life insurance benefit. It is bought for the LTC benefit and the life insurance is payable if no claims Ah, I'm asking the wrong question then. If viewed as an alternative to LTC, then the question should be either 1) I have need for LTC, what does the life insurance do f...
by inbox788
Tue Oct 03, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4491

Re: Waxing my car!

I use Zaino. +1 I hate waxing, but live in a state where plenty of salt is used on the roads in the winter. I want something that protects for a long time, which is Zaino. How long does is protect? What is your initial wax and then what and how often do you do maintenance wax? I always associated Z...
by inbox788
Tue Oct 03, 2017 12:25 pm
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9987

Re: Buy on Really Bad Days, Sell on Really Good Days?

Addendum: I just realized DGS went ex-div Sept. 26, so if you add back in the dividend, it might not even be a RBD. (would not have thought about if the name of the fund didn't include dividend) The RBD was the day before the dividend, so the dividend did not factor into the math of the RBD. You've...
by inbox788
Tue Oct 03, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Is an HSA required if one has HDHP?
Replies: 24
Views: 1534

Re: Is an HSA required if one has HDHP?

They say to be eligible for the HDHP plan (their bold), "You must be covered by High Deductible Health Plan (HDHP) and enrolled in a Health Savings Account (HSA). ... "An HSA is an account you must entroll in if you enroll in one of the High Deductible Health Plans." ... "Retirees are required to h...
by inbox788
Tue Oct 03, 2017 11:50 am
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9987

Re: Buy on Really Bad Days, Sell on Really Good Days?

IMO, the biggest risk is wasting away cash waiting around for these events. You could be waiting around a while. BTW, how are you defining these anyway? When was the latest Really Bad Day and Really Good Day? DGS had a RBD in September 2017 as announced in this post: https://www.bogleheads.org/foru...
by inbox788
Tue Oct 03, 2017 11:19 am
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9987

Re: Buy on Really Bad Days, Sell on Really Good Days?

I buy on any day, including Really Bad Days and Really Good Days. My perception with Really Bad Days is that sometimes they recover, and sometimes they follow through even worse. Also, there are triggers for Really Bad Days that can come on suddenly, unpredictably, and severely. Aside from bouncing ...
by inbox788
Tue Oct 03, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Pay off mortgage instead of bond investment
Replies: 28
Views: 2318

Re: Pay off mortgage instead of bond investment

Great idea, why didn't anyone think of this before? :wink: https://www.bogleheads.org/forum/viewtopic.php?t=11861 https://www.bogleheads.org/forum/viewtopic.php?t=110012 https://www.bogleheads.org/forum/viewtopic.php?t=142124 https://www.bogleheads.org/forum/viewtopic.php?t=175395 What is your AA? C...
by inbox788
Tue Oct 03, 2017 4:39 am
Forum: Personal Consumer Issues
Topic: Should I get a New Macbook Pro?
Replies: 47
Views: 4223

Re: Should I get a New Macbook Pro?

What are you using your computer for? I like the new MacBook Pros but I would skip the TouchBar. Much prefer MacOS to Windows. A Chromebook is great until you need to use a real program. Agree, but what real program do you really need that's not work related? Aside from work related programs, what ...
by inbox788
Mon Oct 02, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Take out of emergency savings to pay off auto loan?
Replies: 7
Views: 625

Re: Take out of emergency savings to pay off auto loan?

It makes little difference. Assuming a $300/month car payment for 12 months, that's $3600 winding down to $0, so average of $1800 loan outstanding, so 2% interest is $36. Less if you consider get a little interest in the emergency fund. If you had a real emergency, the extra $2-3k isn't going to las...
by inbox788
Mon Oct 02, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: Phone Techies .....
Replies: 32
Views: 2588

Re: Phone Techies .....

I have the 5s (quit smirking). Battery getting weak and with technology changes I'm told it's time for an upgrade. I u se it for texting, email, airline apps, remote banking, calendar, etc. Do I now move the the 7, 8, or X? (love my Google tablet but not thinking about a Google phone right now). Wh...
by inbox788
Mon Oct 02, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Past problem with Universal Life assumptions
Replies: 7
Views: 440

Re: Past problem with Universal Life assumptions

saw the same when an agent called and tried to sell me on surrendering an existing plain-vanilla whole-life policy in favor of a new UL policy with a LTC rider. despite additional upfront funding with hefty premiums ($10,000 annually for several years) the illustration (using the guarantee) collaps...
by inbox788
Mon Oct 02, 2017 1:33 am
Forum: Personal Finance (Not Investing)
Topic: Life insurance policy
Replies: 18
Views: 952

Re: Life insurance policy

Oddly enough, there may be a role considering whole life or UL policies. What is his life expectancy vs hers? How is his cash and investment position? The requirement is to provide $200k life insurance, but the cost of insurance is high, so the amount of insurance vs investment in alternatives is re...
by inbox788
Sun Oct 01, 2017 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Whole Life question - when to stop making annual payments?
Replies: 16
Views: 1807

Re: Whole Life question - when to stop making annual payments?

6/7/17 Statement: Death Benefit: $244,417 Cash Value: $154,560 Dividend: $5,890 6/7/16 Statement: Death Benefit: $236,806 Cash Value: $143,689 Dividend: $5,646 The annual premium is $6,716. I calculated the fixed income return as the rate of change in the Death Benefit (not the Cash Value) so the e...
by inbox788
Sun Oct 01, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Should I keep a term life policy I don't need if it has a positive expected value?
Replies: 34
Views: 2766

Re: Should I keep a term life policy I don't need if it has a positive expected value?

It's infuriating. I have another session coming up next month. I'm contemplating just sitting there completely silent with each such question. It's all I can do to stay calm, after I so very explicitly stated at the outset I simply want them to click the boxes which represent my previous choices. T...
by inbox788
Sun Oct 01, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Whole Life question - when to stop making annual payments?
Replies: 16
Views: 1807

Re: Whole Life question - when to stop making annual payments?

My FIL doesn't need the money for the premium payments during his lifetime, so the payments are not a burden. The funds he is using to make the payments are coming out of his fixed income allocation. I have encouraged him to view the policy simply as a substitute for his fixed income bucket, with t...
by inbox788
Sun Oct 01, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Life insurance with long term care rider
Replies: 6
Views: 702

Re: Life insurance with long term care rider

Does it really make sense to tie the two together? Is the life insurance an additional inheritance or to cover expenses for dependents? If the former, it's a form of wealth transfer and other more cost effective methods are generally available. If the latter, doesn't the use of the LTC leave the dep...
by inbox788
Sun Oct 01, 2017 10:09 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 242
Views: 59924

Re: My New Car Buying Tips

The one dealership that I hadn't heard from emailed me the 2d day and asked one question... what was the best price received. I told him good question, emailed him the price and he beat it by $750. Not sure how he did it as there can't be a ton of margin on a barebones Mazda3, but he did. I asked i...
by inbox788
Sun Oct 01, 2017 1:17 am
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4491

Re: Waxing my car!

Lol. I meant 10 days ago. My wife doesn't drive much so the car stays pretty clean I have 15 month old kid so time is precious. Looking for something I can do monthly or every two months I guess. Shiny with least effort is my speed! If you want really shiny, you've got to put in the time. I've come...
by inbox788
Sat Sep 30, 2017 11:36 pm
Forum: Investing - Help with Personal Investments
Topic: Whole Life question - when to stop making annual payments?
Replies: 16
Views: 1807

Re: Whole Life question - when to stop making annual payments?

What happens to the cash value upon death? My understanding is the cash value goes to the insurance company, so you lose it. Only the death benefit face value is laid. So why would you keep putting money into this at such an age? Exactly. The FIL should have purchased term insurance. There is no su...
by inbox788
Sat Sep 30, 2017 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: New 100K portfolio - which bonds?
Replies: 6
Views: 1129

Re: New 100K portfolio - which bonds?

My rule of thumb is to use VBTLX for bonds. If you have a compelling reason, you might choose something else (like Tax Exempt in taxable if you're in a high tax bracket). But since you have tax deferred space, why not up to 100% bonds (more than your proposed 30) in the tax deferred account and hold...
by inbox788
Sat Sep 30, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Luggage locks
Replies: 15
Views: 1185

Re: Luggage locks

TSA locks are a joke. Usually they're not good locks to begin with, but worse, they only have about 5 keys and the crooks have all of them like the TSA. At best, it's a tamper notice, but if they use a key, you won't even know that. What works better as a tamper alert is a color coded zip tie (and i...