Search found 5219 matches

by inbox788
Fri Jun 01, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Save old mortgages, etc.?
Replies: 4
Views: 533

Re: Save old mortgages, etc.?

Do you still own the homes? I've wondered if there are any fees or expenses that can still be deducted or added to the cost basis that need to be tracked and documented through various refinances on a home. If you've already sold the homes, I would find it extremely unlikely any issues would survive...
by inbox788
Thu May 31, 2018 11:55 pm
Forum: Personal Consumer Issues
Topic: steel cut oats in bulk
Replies: 50
Views: 4189

Re: steel cut oats in bulk

I've not had luck at local Costco finding steel cut oats, but I bought the Coach's Oats (also at Costco) as a decent substitute over Quaker rolled oats.

https://www.amazon.com/Coachs-Oats-Whol ... 005EL6VOY/ (for reference)
by inbox788
Thu May 31, 2018 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: How would one structure a market hedge using a low cost simple philosophy
Replies: 3
Views: 321

Re: How would one structure a market hedge using a low cost simple philosophy

The simplest and most cost effective method I can think of is simply adjusting your AA to stocks-5%/bonds+5%, especially effective in a tax advantaged account.
by inbox788
Thu May 31, 2018 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Have $3m at 33, "approach to career" advice needed
Replies: 99
Views: 12697

Re: Have $3m at 33, "approach to career" advice needed

Sounds like you need to start your own consulting business. You might need some filler jobs while you build up enough background, but that seems right up your alley. Look for gigs that add to your future saleability. You don't need the cash, but high paying gigs are good too. People lose faith in ch...
by inbox788
Thu May 31, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: I need some math help-calculating interest savings
Replies: 31
Views: 1645

Re: I need some math help-calculating interest savings

I did a quick calculation and came up with a savings of $127,334. This is the savings comparing the original loan to the recast loan with $1200 monthly payments. I didn't double check my numbers but I think this is correct. 1.0425^25 = 2.8 1.0425^30 = 3.5 An extra monthly payment today roughly tran...
by inbox788
Thu May 31, 2018 4:37 pm
Forum: Investing - Theory, News & General
Topic: Daily fluctuations
Replies: 9
Views: 862

Re: Daily fluctuations

The OP's initial conclusion is basically right. But so what? Most days, routine fluctuations aren't anything to be concerned or do anything about. But if stocks are down 2% or more this time of day, well then, we could be approaching RBD territory... I use the ETF when the market is open to get a s...
by inbox788
Thu May 31, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Bank overpaid contractor and wants my daughter to be responsible
Replies: 25
Views: 3600

Re: Bank overpaid contractor and wants my daughter to be responsible

The bank can lose a *lot* if the main security is the property itself. Many borrowers can't really pay back a major real estate loan if the property isn't in good condition to be sold, and they often don't have lots of other assets that could be seized or such. Sure, the bank could sue the borrower...
by inbox788
Thu May 31, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Bank overpaid contractor and wants my daughter to be responsible
Replies: 25
Views: 3600

Re: Bank overpaid contractor and wants my daughter to be responsible

The bank clearly has an interest in getting the work done properly. These construction loans are secured... by the property. In our case, one time it was a construction loan bundled into the purchase, with a big chunk held back from closing, for the substantial renovations. IF the renovations hadn'...
by inbox788
Thu May 31, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Bank overpaid contractor and wants my daughter to be responsible
Replies: 25
Views: 3600

Re: Bank overpaid contractor and wants my daughter to be responsible

AFAIK, banks only handle money as instructed. If they followed instructions, they're doing their job. Why would a bank inspect work? They might to CYA and protect their loan, but it's not a service I expect banks to provide clients. The wife and I are in the process of potentially building a home a...
by inbox788
Thu May 31, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Bank overpaid contractor and wants my daughter to be responsible
Replies: 25
Views: 3600

Re: Bank overpaid contractor and wants my daughter to be responsible

A realtor suggested a home builder to her (which is who she used), and then she set up a construction loan/mortgage with a local bank. Ah, how it all got started. Long story short, the bank handled all of the money and all of the money disbursements... the bank had done other home projects with thi...
by inbox788
Thu May 31, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Recommend new TV for 93 year old lady
Replies: 28
Views: 1979

Re: Recommend new TV for 93 year old lady

Time to replace her old tube TV. Would appreciate any recommendations (before I, a below average tech savvy person, scours the Best Buy reviews) Requirements: - Screen size in the 40 inch range - Budget <$300 - Easy and intuitive remote (with big letters) - Clear picture (obviously) - Able to accom...
by inbox788
Thu May 31, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Callable bond- maintain or take loss?
Replies: 35
Views: 1953

Re: Callable bond- maintain or take loss?

What dropped $15,000?!? Makes no sense. Looks like you need a new advisor ASAP. Or just drop it all in VTINX ( Vanguard Target Retirement Income Fund ). http://quotes.morningstar.com/chart/fund/chart?t=VTINX®ion=usa&culture=en_US&dataParams=%7B%22zoomKey%22%3A11%2C%22version%22%3A%22US%22%2C%22sh...
by inbox788
Wed May 30, 2018 5:46 am
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 9025

Re: Router hack, have you acted?

It would be nice if the router's were named along with the NAS device. It's probably still evolving, but here's a list of devices by Linksys, Mikrotik, Netgear, QNAP, and TP-Link. https://en.wikipedia.org/wiki/VPNFilter#Devices_at_Risk My router brand isn't mentioned. so I'll ignore it for now. I a...
by inbox788
Tue May 29, 2018 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Best use for a $2k raise for a middle-income teacher
Replies: 35
Views: 3780

Re: Best use for a $2k raise for a middle-income teacher

Primary objective of retirement savings is therefore to be the COLA, and if investments perform well enough, secondary objective is to also have enough to spend about $5k/year (today’s dollars) on travel and personal enjoyment during those first 10-15 years when I’m hopefully still feeling up to it...
by inbox788
Tue May 29, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: Disconnecting Wi-fi of a device
Replies: 9
Views: 1075

Re: Disconnecting Wi-fi of a device

Your router has an admin page. Log in with the instructions found in the manual or found online based on your router manufacturer and model number. It is typically the IP address of the router itself and admin/password (or some variation of that). Inside the admin console you can see all attached d...
by inbox788
Tue May 29, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 311
Views: 47715

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

Was hoping to find more info on the Dilution problem. Can’t seem to find if Honda is actually admitting the problem exists and what can a visit to dealer accomplish. They have told me there is no problem and my checking dip stick does not smell of fuel. I’m concerned that the problem can appear som...
by inbox788
Tue May 29, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: ice maker
Replies: 5
Views: 553

Re: ice maker

My ice maker sporadically stops working. When that happens, I take a hair dryer and thaw and de-ice everything thoroughly and it starts working again and will go for a year or so before it stops again. Once when I think I waited to long to do that, it burnt up the rotating motor but I was able to b...
by inbox788
Tue May 29, 2018 2:32 pm
Forum: Investing - Theory, News & General
Topic: Does VOO or VTI invest in Berkshire Hathaway?
Replies: 11
Views: 1157

Re: Does VOO or VTI invest in Berkshire Hathaway?

Apparantly it is the sixth biggest position in VOO see morningstar And the seventh biggest in VTI , at 1.33%. It really should be the seventh biggest position for both funds - VOO apparently lists Alphabet class A and class C shares as separate "positions". BRK.B and JPM are neck and neck. It's onl...
by inbox788
Tue May 29, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Selling car in CA, titled in absent owner's name
Replies: 14
Views: 769

Re: Selling car in CA, titled in absent owner's name

I'd call a local CARMAX in NJ and ask them. I'd then verify that with a CARMAX near San Luis Obispo. I was intending to call a Carmax dealer near San Luis Obispo later this morning. Do you think that a NJ office would have other instructions? I would go with where you're selling the car. Less runar...
by inbox788
Tue May 29, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: GFCI trips when toaster oven turned on
Replies: 33
Views: 1871

Re: GFCI trips when toast oven turned on

I would very strongly recommend that you go down to Home Depot and get a receptacle tester (less than $10) instead of using the toaster oven in that way. Get a tester with a button that you can push to trip the GFCI. Test every outlet in the kitchen. Push the button the the tester for every single ...
by inbox788
Mon May 28, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 113
Views: 7361

Re: Tesla Autopilot, worth it?

I have the differing opinion of "not now", and here's why. If you are like me, you are unwilling to shell out the cost of a model S, so you wait for the model 3 that fits your wishes. The cost of EA is $5000. at time of configuration, or $6000. later. Even at $5k, EA is about a 15% option. For me, ...
by inbox788
Mon May 28, 2018 12:55 am
Forum: Personal Consumer Issues
Topic: Update: New iPhone - Older iPhone text msgs disappear
Replies: 29
Views: 1824

Re: Update: New iPhone - Re: Older iPhone text msgs disappear

The Apple Genius Bar folks finally concluded that something was "corrupt" in this particular phone, after all. [Duh! ] They all huddled around, and they all seemed not to know about similar reports right there on the Internet... Anyway, I've got a new phone, the least fancy iPhone available locally...
by inbox788
Sat May 26, 2018 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Bank account or Brokerage account for child?
Replies: 20
Views: 1138

Re: Bank account or Brokerage account for child?

It it has tax issues, it's not worth it until it crosses a threshold, and then there is a relatively low cap., so unless you intend on reaching the cap soon, and taking advantage of the benefits for multiple years, I say wait.
by inbox788
Fri May 25, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: Home Telephone network
Replies: 6
Views: 577

Re: Home Telephone network

Don't fix what's not broken. If the wiring is bothering you, is it hidden or exposed? You don't have to move something that's fixed if you can simply get a splitter and and extension cord. KISS principle. I don't understand the problem(s) you are are trying to fix. I starting by thinking about movin...
by inbox788
Fri May 25, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: Htc u12+ on Verizon [Cellphone]
Replies: 5
Views: 569

Re: Htc u12+ on Verizon

HTC is still around? They USED to make great phones. HTC’s worldwide smarpthone market share declined to 0.9% last year from a peak of 8.8% in 2011, according to IDC. Google’s Pixel also had less than 1% market share since it was launched a year ago, with an estimated 2.8 million shipments, IDC esti...
by inbox788
Fri May 25, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 311
Views: 47715

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

https://asia.nikkei.com/Business/Companies/Honda-to-resume-sales-of-China-flagship-CR-V Sales to resume in China. Thoughts? Thanks for the update. China's quality-control watchdog, which announced the decision Wednesday, likely gave the green light after Honda managed to prove that the replaced par...
by inbox788
Fri May 25, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Earphones for iPhone?
Replies: 20
Views: 1404

Re: Earphones for iPhone?

I got a Sony wired headset that sound pretty good for under $20 and is no biggie if lost or damaged. I think it's this one: https://www.amazon.com/dp/B00NJ2M43M/ Do you need wireless? noise cancellation? (inconvenience of cord vs. sync vs. charging batteries) Which iPhone? Does it have a headphone j...
by inbox788
Thu May 24, 2018 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: I've never budgeted sucessfully
Replies: 59
Views: 5086

Re: I've never budgeted sucessfully

Most accounts these days allow you to download the information already sorted by category. By combining information from these three accounts, we track the vast majority of our spending. It was three credit cards and two accounts until recently, still very easy to track. I tried Quicken a long time...
by inbox788
Thu May 24, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Decision points on new Iphone
Replies: 19
Views: 1160

Re: Decision points on new Iphone

Nope. When I hit send, my text goes. I never watch video on my phone. My battery easily lasts 24 hours. I receive emails. I can make and receive phone calls. I can search the web for answers. When I set the alarm for 6am, at 6am, it makes noise. I've yet to find anything that is slower than my eyes...
by inbox788
Thu May 24, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Anyone using Obitalk for Google Voice?
Replies: 38
Views: 4168

Re: Anyone using Obitalk for Google Voice?

Even when you have a cellphone/smartphone, having an independent source of communications enhances the resilience of your personal technology architecture . If your cellphone is broken or stolen, you can still make calls using OBi. Paying $40-$50 for a new OBi device every few years is a small pric...
by inbox788
Thu May 24, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Decision points on new Iphone
Replies: 19
Views: 1160

Re: Decision points on new Iphone

If you are generally satisfied with the experience of the iPhone 4S and mostly worried about support for the OS and apps, you should also consider the iPhone SE, which is cheaper than either the 7 or 8 and fully supports the latest iOS. It's also smaller than either the 7 or 8 (closer to the size o...
by inbox788
Thu May 24, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 129
Views: 14059

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

1) Just sending it all to my after-tax brokerage account and buying some low-cost index (like VT) , Or, 2) Using $210K of it to pay off my 30-yr-fixed-3.625% mortgage (28 years remaining on it) and then the remainder (~ $120K) to the after-tax brokerage. ... Paying off the mortgage would be a "guar...
by inbox788
Thu May 24, 2018 2:48 am
Forum: Personal Consumer Issues
Topic: Heart rate monitor
Replies: 12
Views: 1522

Re: Heart rate monitor

I suggest an Apple Watch. Yes, you said not Apple Watch, but there's 2 unknowns, and the Apple Watch can often be the answer to some questions/problems. You can get a first generation Apple Watch for around $150. Maybe you know someone who has one in their drawer they haven't touched in a while. I k...
by inbox788
Wed May 23, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: $500 Windows Laptop
Replies: 43
Views: 4765

Re: $500 Windows Laptop

I see. With virtually no access to the file system in Chromebook, it’s pretty much a no go. Similar with iPad, but latest iOS did add a Files app. Still, not likely useful for thousands of photos. A good app that lets you swipe around thumbnails might be more helpful. Managing a lifetime of photos i...
by inbox788
Wed May 23, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: Should I spend $1,500 on getting some rust repaired on a 15 year old Buick
Replies: 36
Views: 2672

Re: Should I spend $1,500 on getting some rust repaired on a 15 year old Buick

I wouldn’t. If rust bothers you, get some masking tape and use closest match spray bottle of Rustoleum at Home Depot.

https://www.homedepot.com/b/Paint-Spray ... 5yc1vZapz5
by inbox788
Wed May 23, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: Bird Nest in bathroom exhaust fan vent
Replies: 10
Views: 1088

Re: Bird Nest in bathroom exhaust fan vent

I thought Google bought Nest. Didn’t think they made a bathroom exhaust vent fan, but it if they did, it would be WiFi and smart, sensing how fast the fan had to run depending on actual measured conditions. It could text you when it turned on, or more importantly, when it turned off. Wait, you said ...
by inbox788
Wed May 23, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: $500 Windows Laptop
Replies: 43
Views: 4765

Re: $500 Windows Laptop

Was going to check if this $80 256GB would fit, but decided to put off the unneeded purchase for now.

https://www.amazon.com/Black-256GB-Perf ... 01MS6BYJD/
by inbox788
Wed May 23, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: $500 Windows Laptop
Replies: 43
Views: 4765

Re: $500 Windows Laptop

I haven’t been able to give chrome a full workout because of the screen resolution of my current chrome book. My main use case is tracking hundreds of events in November and working on my wiki as well as sorting through tens of thousands of photographs . I'm not sure about the other tasks, but if y...
by inbox788
Wed May 23, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Buy now and wait one more year to move in?
Replies: 17
Views: 2186

Re: Buy now and wait one more year to move in?

I would buy that house right now. I would never rent out a house with a pool. Renters will not care for a pool properly. You may need to hire a weekly pool service. There is also serious liability for you if something happens to a guest of the renter. After previous owners move out, there are alway...
by inbox788
Wed May 23, 2018 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Life Insurance-Where to invest savings?
Replies: 5
Views: 673

Re: Life Insurance-Where to invest savings?

We also have a kid on the way and can fund a 529. I know those buckets should be utilized before taxable, but I wanted to check some things. If I die, at age 60(I plan to not have term policy at that point), does my wife have access to Roth IRA and my 403B assets immediately even if she is not reti...
by inbox788
Wed May 23, 2018 12:51 am
Forum: Personal Finance (Not Investing)
Topic: Buy this home?
Replies: 39
Views: 4140

Re: Buy this home?

This was in Marketwatch today. You may want to wait a bit longer. https://www.marketwatch.com/story/economists-say-homes-could-go-on-sale-in-2020-when-the-next-recession-hits-2018-05-22 Since when have economists been right about anything? :mrgreen: Economist are always right. On the one hand... An...
by inbox788
Tue May 22, 2018 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: What account to withdraw from?
Replies: 8
Views: 1048

Re: What account to withdraw from?

You should run the numbers both ways. I'm not sure what is meant by "both ways". My understanding is that you start with RMD, then taxable, tax-deferred, and finally tax-free in that order. If you're going to be in the same situation for the foreseeable future, year after year, I don't see the bene...
by inbox788
Tue May 22, 2018 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Is Whole Life Insurance Worth It?
Replies: 54
Views: 4223

Re: Is Whole Life Insurance Worth It?

Term is 100% profit for the insurance company Except for the whole policyholder dying thing. That's gotta cut into profits. I have a coworker who is using term life as an investment. You heard me correctly. He's over 70, and is holding a policy to try to increase his inheritance. He figures that if...
by inbox788
Tue May 22, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life vs Universal Life
Replies: 13
Views: 1219

Re: Whole Life vs Universal Life

This is my simplistic misunderstanding of WL vs UL. Begin with the BTIR concept, so with either WL/UL, you're buying the term, but with WL, you invest in bonds, while with UL, you invest in equities. Like bonds vs equities, you have more guarantees with bonds, while equities have more potential gain...
by inbox788
Tue May 22, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Anyone using Obitalk for Google Voice?
Replies: 38
Views: 4168

Re: Anyone using Obitalk for Google Voice?

We are transitioning to Obitalk/GV from Vonage. I would switch right now if I could change the Google Voice number to my current number, which my wife wants to keep. You can, but it might be a two step dance. If you can't port directly from Vonage (or whatever service) to GV, you may be able to por...
by inbox788
Tue May 22, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Anyone using Obitalk for Google Voice?
Replies: 38
Views: 4168

Re: Anyone using Obitalk for Google Voice?

That update will buy you less than a month. Google is making another change, and it's uncertain how the OBi 100/110s are going to be updated for that. Further, Simon has indicated that they aren't taking new accounts, and they are uncertain about how they're going to make the change work for those ...
by inbox788
Tue May 22, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Lease buyout negotiation tips?
Replies: 21
Views: 1955

Re: Lease buyout negotiation tips?

The residual value purchase price after the lease is up is always fixed. This is not negotiable. When our lease is up, we need to go from 2 rows to 3. We'll be negotiating a best purchase price around town and then turning our lease in after we've decided on our next vehicle. The residual price is ...
by inbox788
Tue May 22, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: Time For New Car?
Replies: 34
Views: 2619

Re: Time For New Car?

As for the dude who poo-poos the latest safety upgrades, I submit that they are nothing short of breathtaking. The Insurance Institute for Highway Safety agrees. In the approximate order of importance they are: Autonomous emergency braking Backup camera Rear collision mitigation Lane keeping assist...