Search found 5466 matches

by inbox788
Wed Oct 03, 2018 2:12 am
Forum: Investing - Help with Personal Investments
Topic: 49 at a crossroads and seeking investment advice
Replies: 31
Views: 5246

Re: Update 3 years later!!

I am happy to say her recovery has been nothing short of amazing and she continues to improve even though most say progress slows after the first year post-stroke. She is doing great. ... Specific to investing. We moved on completely from our previous financial adviser. Since the 401K from my previ...
by inbox788
Tue Oct 02, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Old Costco American Express 2-Year Warranty Extension
Replies: 18
Views: 2829

Re: Old Costco American Express 2-Year Warranty Extension

I am aware that Costco Amex's terms and advertising materials indicated that their warranty kicked in after the Costco concierge warranty was finished. It is interesting that someone in Amex is revising that now. There is a lot of bad blood between Costco / Amex after their breakup, but hopefully t...
by inbox788
Tue Oct 02, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Why is Home Part of NW [Net Worth]
Replies: 98
Views: 6694

Re: Why is Home Part of NW [Net Worth]

My short answer: Yes. That said, I think the more valuable metric that most people don't seem to talk about that much (outside of Bogleheads and similar forums) is Investable Assets. I never tracked it myself until a few years ago. So, now I track both. Because I do think having a handle on liabilit...
by inbox788
Tue Oct 02, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Found credit cards - annoying interaction with Bank of America
Replies: 31
Views: 3484

Re: Found credit cards - annoying interaction with Bank of America

I bike to work and found several wet credit cards in the road. I stopped and picked them up and when I got to work I called Bank of America. I had picked up four cards, two from B of A, a Dunkin Donuts customer card, and a credit card from a different bank (and there may well have been other cards ...
by inbox788
Tue Oct 02, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Do Bonds Go in Taxable?
Replies: 70
Views: 6020

Re: Do Bonds Go in Taxable?

That's the Schwab Intelligent Advisory. The robo, Schwab Intelligent Portfolio, has no fees, nor trade commissions, but: - some criticize the size of the cash portion, which folks say Schwab uses to lend out via Schwab Bank. It's counterbalanced by high yield bonds, but there's risk associated with...
by inbox788
Tue Oct 02, 2018 2:03 am
Forum: Investing - Help with Personal Investments
Topic: Do Bonds Go in Taxable?
Replies: 70
Views: 6020

Re: Do Bonds Go in Taxable?

Having looked at this and your linked comment, and the comment on international funds too, I find the whole thing exasperating and may yet go back to using the Schwab robo, and a target date in my 401k, and just forget about it. if you have an unusually good bond option in the 401(k) such as the TS...
by inbox788
Mon Oct 01, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: Lifetime alignment services
Replies: 14
Views: 961

Re: Lifetime alignment services

How often do you normally have your car aligned? There was a thread recently and a LOT of responses were that people rarely have an alignment done unless some suspension work was done that required an alignment. If you're like me....I've been driving for 45 years and have alignments done 4 times ev...
by inbox788
Mon Oct 01, 2018 11:11 am
Forum: Investing - Help with Personal Investments
Topic: What's the best method for immediately selling off my ESPP shares?
Replies: 25
Views: 2017

Re: What's the best method for immediately selling off my ESPP shares?

I've done both for my ESPP shares. The problem I've run into is that the brokerage (MS Stockplan Connect) doesn't allow you to set limit orders at below the market price. To make matters worse, the data is delayed by ~15 minutes. Hence, I'll probably just use a Market Order going forward. I just pl...
by inbox788
Mon Oct 01, 2018 1:59 am
Forum: Investing - Help with Personal Investments
Topic: What's the best method for immediately selling off my ESPP shares?
Replies: 25
Views: 2017

Re: What's the best method for immediately selling off my ESPP shares?

I always try to use a market limit order when I'm eager to sell something. I'm just overly paranoid about another flash crash. What is a "market limit order"? Do you just mean setting a limit order to the current market price, as m@ver1ck suggested later? Yes, more or less. More accurately is marke...
by inbox788
Sun Sep 30, 2018 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Pay 22.85% taxes to diversify?
Replies: 26
Views: 1903

Re: Pay 22.85% taxes to diversify?

Fidelity offers a bunch of trust services but first glance suggests they want a 200k min for CRT: http://personal.fidelity.com/accounts/services/content/cgfoption2.shtml Thanks! I was not aware Fidelity itself had such a service involving CRTs. I'll have to look into them. I've had difficulty getti...
by inbox788
Sun Sep 30, 2018 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Pay 22.85% taxes to diversify?
Replies: 26
Views: 1903

Re: Pay 22.85% taxes to diversify?

In addition to either selling the stock and paying $58,000 of capital gains tax (22.85% x $255,000) or continuing to hold the stock, there's a third possibility to consider that might make sense. She could contribute the stock to a charitable remainder trust. The trust is tax-exempt and can sell th...
by inbox788
Sun Sep 30, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 15766

Re: iPhone XS Max

Here is a comparison of different sizes: https://pbs.twimg.com/media/Dm68Kk1W0AEY2UF.jpg https://pbs.twimg.com/media/Dm68Kk1W0AEY2UF.jpg Thanks for posting this. I have a 6S, which is the same size as the 7, and that is a bit too big for me. I want the iPhone SE size, except with a bigger OLED scre...
by inbox788
Sun Sep 30, 2018 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: New Relationship - Best way to handle finances?
Replies: 92
Views: 6715

Re: New Relationship - Best way to handle finances?

If you could afford it, you could keep paying for everything, but what is she doing with all her extra income? OP, do you have a trust or are you in an occupation where there's going to be big money? Would that or should that change things? If I was making $100k, I wouldn't have an issue dropping $5...
by inbox788
Sun Sep 30, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Pension plan choice of annuity or cash payout
Replies: 27
Views: 2813

Re: Pension plan choice of annuity or cash payout

It doesn't look like you need an annuity, so the best options are taking the cash payout now. Decide later if an annuity still makes sense for you. It may or may not, but buying longevity insurance now isn't a good value IMO.
by inbox788
Sat Sep 29, 2018 3:44 am
Forum: Investing - Help with Personal Investments
Topic: What's the best method for immediately selling off my ESPP shares?
Replies: 25
Views: 2017

Re: What's the best method for immediately selling off my ESPP shares?

I always try to use a market limit order when I'm eager to sell something. I'm just overly paranoid about another flash crash.
by inbox788
Thu Sep 27, 2018 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Warren Buffet Portfolio Critique
Replies: 56
Views: 4514

Re: Warren Buffet Portfolio Critique

What do y'all make of the advice Warren Buffets suggests? 90%-- S&P 500 Index Fund Admiral Shares (VFIAX) 10%-- Short-Term Treasury Fund Admiral Shares (VFIRX) Great advice for billionaires. That’s at least $900M in stocks and $100M in bonds. Even if you seldom rebalanced, you could spend nearly $1...
by inbox788
Wed Sep 26, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 5948

Re: Oil change interval for low-mileage vehicles

Personally, I'm a fan of replacing filter (and topping off oil) at 6 months and oil at 1 year (with a high quality synthetic) for my low milage cars. While I'd stick to an annual oil and filter change every year, if I wanted to cut back I would pick the opposite tact, i.e. changing the oil at 6 & 1...
by inbox788
Tue Sep 25, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6483

Re: My Very First Smartphone — Please Critique This Plan

In general, $400 smartphones will roughly do everything that a $800+ one will do. Except take great photos. A $400 phone will take okay photos in daylight. Night-time lighting or the front-facing camera? It'll usually end up a blurry mess. So if a smartphone going to be a camera replacement also, s...
by inbox788
Tue Sep 25, 2018 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Non-spousal Inherited IRA
Replies: 18
Views: 1406

Re: Non-spousal Inherited IRA

I don't see the advantage of trying to get funds into tax advantaged space when it's already there. They should independently fix their original budget and retirement plan if there is something wrong (which I suspect there may be). Alan S listed a bunch of benefits of having the money in an IRA or ...
by inbox788
Tue Sep 25, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 69
Views: 2331

Re: Flu shot reaction? Getting flu shot this year?

Two years ago I came down with PMR (Polymyalgia Rheumatica) 24 hours after receiving my flu shot. Lots of joint pain. Needed heavy dose of steroid (prednisone) for weeks. After the fact found several medical research papers and anecdotal evidence linking flu shot to PMR. Did not have flu shot last ...
by inbox788
Tue Sep 25, 2018 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Non-spousal Inherited IRA
Replies: 18
Views: 1406

Re: Non-spousal Inherited IRA

1. I get the impression that dealing with the tax complexity associated with option #1, like properly calculating RMDs, might be painful/tricky for my sister. 2. My sister and her husband don't contribute too much to their retirement accounts right now. 3. The inherited IRA has very little in it. I...
by inbox788
Tue Sep 25, 2018 2:16 am
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 5948

Re: Oil change interval for low-mileage vehicles

Follow the owner manual. In your case, 10,000 miles or one year is sufficient, especially since you're not coming anywhere near 10,000 miles in a year. Your vehicle is equipped with the Intelligent Oil-Life Monitor system, which displays a message in the information display at the proper oil change ...
by inbox788
Mon Sep 24, 2018 1:02 am
Forum: Investing - Help with Personal Investments
Topic: To Keep or Cash-in Whole Life Policy
Replies: 6
Views: 914

Re: To Keep or Cash-in Whole Life Policy

$20,684.00 of Guaranteed cash value and an additional cash value of $10,337.61 $100,000 policy that costs me $1035/year. To date, it has $33,907 in Paid-Up Do you have an inforce illustration? How much did the guarantee cash value, additional cash value and paid-up additions go up year over year? T...
by inbox788
Mon Sep 24, 2018 12:26 am
Forum: Personal Finance (Not Investing)
Topic: 0 - 0.99% APR on auto... would you finance?
Replies: 35
Views: 3732

Re: 0 - 0.99% APR on auto... would you finance?

The "risk" with taking out a 0 -.99% loan is that you won't put the cash payment amount in a safe place earning more interest. For many this is not a risk at all but to others they might see a pile of cash sitting in Prime and decide to splurge. As I have said before don't check your guns at the do...
by inbox788
Sun Sep 23, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: Fidelity cobrowser??
Replies: 34
Views: 2575

Re: Fidelity cobrowser??

This looks fishy, and even if it's not, it's terrible practice. I was in Europe and virtually every website was notifying me and asking me to agree to accept their cookies policy or leave the site. So it wasn't long before I reflexively approved everything. Not a good thing IMO. Call Fidelity suppor...
by inbox788
Sun Sep 23, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6483

Re: My Very First Smartphone — Please Critique This Plan

Google Fi is intriguing, but it might prove a tad expensive. I still have no idea — whatsoever — how much data I'll consume, but a friend advised me that 3GB will not be enough for me. You're using 0GB today, no? If 3GB isn't enough for you, you should have gotten a smartphone years go. Still, a fe...
by inbox788
Sun Sep 23, 2018 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Should we pay off $90K mortgage with idle cash or not?
Replies: 46
Views: 5797

Re: Should we pay off $90K mortgage with idle cash or not?

What is this "idle cash" thing of which you speak? +1 - my first thought also Cash in a savings account current looses about 1 % value a year thanks to inflation picking up. Whatever your mortgage rate is, you will gain that vs savings account. Paying off the mortgage robs you of leveraging this mo...
by inbox788
Sun Sep 23, 2018 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: How much is too much in one stock?
Replies: 13
Views: 1506

Re: How much is too much in one stock?

It appears their individual stock portfolio is about 1/3 of their savings/investments. If that's $700k out of a $2M portfolio, and if it went to zero, I don't think it will change their retirement plans. Like others, I wouldn't be in a hurry to fix anything. And even if their total portfolio was $70...
by inbox788
Sun Sep 23, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Reducing longterm capital gains taxes
Replies: 15
Views: 1576

Re: Reducing longterm capital gains taxes

If you don’t need the money or dividend income for 10 years, Opportunity Zone funds might be an option? Thanks for the heads up! Interesting idea, wonder what the actual investments will be and what kind of returns to expect. Likely some type of bond? My guess is that the majority will be as privat...
by inbox788
Sun Sep 23, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Reducing longterm capital gains taxes
Replies: 15
Views: 1576

Re: Reducing longterm capital gains taxes

I'm no expert, but if you're willing to contribute at least a 10% interest in your shares to a charity, then a Flip Charitable Remainder Unitrust (CRUT) might be useful to you. Let me apologize in advance for this link : It is written for advisors from a specific charity's point of view. The idea i...
by inbox788
Sat Sep 22, 2018 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: New Type of Home "Loan"
Replies: 9
Views: 1035

Re: New Type of Home "Loan"

A while back, I got a solicitation for such type of loan, so I searched and found a thread on the company and subject, but can't seem to find it now or remember the company name. Anyway, the conclusion was the math didn't add up. Given likely outcomes, the equivalent interest rate was double digits....
by inbox788
Sat Sep 22, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgages - Pros, Cons
Replies: 55
Views: 3941

Re: Reverse Mortgages - Pros, Cons

Would you be taking out a reverse mortgage immediately? What would you do with those funds? You're basically borrowing to invest if you don't spend the funds right now. It's not all that different from charging it to your credit card and letting your estate pay it off in the end. The mostly false pr...
by inbox788
Sat Sep 22, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: Which Funds to Take RMD From
Replies: 27
Views: 3617

Re: Which Funds to Take RMD From

If you have an RMD you don't need to spend, you don't need to change your asset allocation. If you sell a stock fund in your IRA to make the RMD, and buy a stock fund in your taxable account, you have just as much in stock as you had before. (And it is better to have stock funds in your taxable acc...
by inbox788
Sat Sep 22, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6483

Re: My Very First Smartphone — Please Critique This Plan

I agree with others that you probably do not need such a powerful phone to start. However, if you can afford it, then no issues. Samsung Galaxy Note 9 Commercial https://www.youtube.com/watch?v=uWB5YY6YWe0 Sure, yesterday OP was using a flip phone, today, he needs 1TB memory, water carbon cooling, ...
by inbox788
Sat Sep 22, 2018 11:11 am
Forum: Investing - Theory, News & General
Topic: Which Funds to Take RMD From
Replies: 27
Views: 3617

Re: Which Funds to Take RMD From

If you aren't going to spend the RMD, take it from one of the stock funds, and reinvest in the same stock fund in your taxable account. Stock funds will grow nearly tax-free in your taxable account if you never need to spend them, as your heirs will inherit them with a stepped-up basis. If you are ...
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: 2043

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: 6483

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: 569
Views: 84070

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: 2115

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: 1323

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: 6483

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: 2349

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: 2043

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: 1323

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: 2349

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: 869

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: 4801

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: 1576

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.