Search found 5222 matches

by inbox788
Wed Jul 04, 2018 2:09 am
Forum: Personal Consumer Issues
Topic: Tire experts? Can I trust a patched tire?
Replies: 42
Views: 2899

Re: Tire experts? Can I trust a patched tire?

Ended up with 8 pounds of pressure when I could add air-- to continue another 1/2 miles to a Costco with a tire center. (the head of the nail was too close to sidewall, but the head did not puncture-- the puncture was further in) I wait my turn and 90 minutes later they tell me it's patched and rea...
by inbox788
Tue Jul 03, 2018 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 9504

Re: What’s your plan for a market downturn?

Go to Hawaii and Disney World, prices will be low then. I have no idea when the market will go up and down ….. But I know Disneyworld prices will never go lower only up. List prices only go up, but when the economy is down, sales and discounts and deals are plentiful. Right now, they're few and far...
by inbox788
Tue Jul 03, 2018 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: 529 asset allocation during college years
Replies: 9
Views: 884

Re: 529 asset allocation during college years

I'm on the other extreme. I think I'll be fully invested in 100% equities index fund that I'm invested in now and will invest in same during college years. If I get cold feet, I will make some adjustment in my retirement funds, but plan to keep the 529 invested fully. I'm not positive it makes any d...
by inbox788
Tue Jul 03, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Do We need health insurance??
Replies: 94
Views: 6110

Re: Do We need health insurance??

Thank you all for your responses. Does anyone know of a place for ultra high deductible insurance plans? I am willing to assume some risk. I really don’t want to game the system, but can’t I skate along, until one of us get sick and than sign up? Obviously something catastrophic or an accident then...
by inbox788
Tue Jul 03, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Fed survey: 40% of adults cannot cover a $400 emergency expense
Replies: 48
Views: 4995

Re: Fed survey: 40% of adults cannot cover a $400 emergency expense

There are some truly poor people who can’t afford a $400 emergency because they just don’t have the income needed to cover more than basics. They are out there. Then there is another segment who make choices to consume and not save and they can’t afford a $400 emergency due to choices made, not inc...
by inbox788
Tue Jul 03, 2018 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 9504

Re: What’s your plan for a market downturn?

Hello. First post, and I was just wondering if anyone has put any plans in place already for the long-predicted downturn . Do you know what you’re going to do when it happens? I realise that it’s basically impossible to predict when a prolonged dowturn is going to happen — some clever economists ar...
by inbox788
Tue Jul 03, 2018 12:00 pm
Forum: Investing - Theory, News & General
Topic: PurePoint...nice gesture
Replies: 6
Views: 676

Re: PurePoint...nice gesture

I'm more cynical. They probably got tea for free in exchange for their mailing list and profile. The tea company hopes to sell to a small percentage of the people that receive the tea to make up for the cost of advertisement giving away free product. Other customers can expect to get a variety of ot...
by inbox788
Tue Jul 03, 2018 2:20 am
Forum: Personal Consumer Issues
Topic: Transporting bikes with an SUV?
Replies: 38
Views: 1734

Re: Transporting bikes with an SUV?

How far are you transporting the bikes? The easiest solution is the hitch rack. A trailer would cost more, but you can use that to transport the bikes as well as sheets of construction materials.
by inbox788
Mon Jul 02, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with leased car situation
Replies: 8
Views: 1504

Re: What to do with leased car situation

You will probably get the most value (and minimize your costs) by selling it as soon as possible. You might get more in a private sale, but you may have to pay sales tax in some states. You might avoid that if you sell it to a car dealer like Carmax, so it might be a wash between sales tax vs. lower...
by inbox788
Mon Jul 02, 2018 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 9504

Re: What’s your plan for a market downturn?

“New money” = my next paycheck ... I max 401k, max Roth, and then sweep remainder to high yield savings or index funds When I get 3-5% off my target allocation - that “new money” goes where the market tells me it needs to Also, by “new money” I mean my preference to rebalance by adding funds rather...
by inbox788
Mon Jul 02, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: bike helmets
Replies: 82
Views: 4602

Re: bike helmets

Social convention, nothing more. Bike riding is perceived as a higher risk activity and wearing a helmet is a normal precaution. Conversely, if you were to wear a helmet when walking, driving, bathing, etc., then that's an extraordinary precaution and social pressure would be applied. When going ag...
by inbox788
Mon Jul 02, 2018 2:38 am
Forum: Personal Consumer Issues
Topic: Anyone using Obitalk for Google Voice?
Replies: 38
Views: 4219

Re: Anyone using Obitalk for Google Voice?

I have OBi 202 and tried updating my firmware and every time got "Firmware package checksum error", pls point me where to get latest firmware and how update it. thx I swapped out my 100 for a 200 and am having trouble with one way voice and no ring using GV. Obi-obi works better, but still poor sou...
by inbox788
Sun Jul 01, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: Please help find these shoes for an old lady
Replies: 32
Views: 3565

Re: Please help find these shoes for an old lady

Sold by Walmart. Apparently no longer available. https://www.walmart.com/ip/Dr-Scholl-s-Women-s-Nicky-Gel-Pac-Thong-Sandals/12545061 Great job! Persistence pays off. And it puts a name on the model "Nicky"! You might try using eBay or a 3rd party and doing an ongoing search over a few months and se...
by inbox788
Sun Jul 01, 2018 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 9504

Re: What’s your plan for a market downturn?

If you rebalance during a downturn, though, when everything is going down, (so you’re actually selling funds to buy other funds), doesn’t that just mean your locking in your losses? If you mean rebalancing by adding new money though, then I see the benefit in that * rebalance with NEW money ideally...
by inbox788
Fri Jun 29, 2018 4:35 am
Forum: Personal Consumer Issues
Topic: Cheapest way to buy a phone in 2018?
Replies: 73
Views: 7000

Re: Cheapest way to buy a phone in 2018?

What kind of problems? A $29 battery replacement might breath new life into the phone. Or you might try backing up and resetting the phone. Best if you can setup as new phone and selectively restore data, rather than restore the corrupt apps and data right back onto the reset phone. https://support....
by inbox788
Fri Jun 29, 2018 2:13 am
Forum: Personal Finance (Not Investing)
Topic: Investment Property With Father
Replies: 12
Views: 1114

Re: Investment Property With Father

He has 50K in a 1031 exchange fund and has offered to make me a partner in a property to-be-purchased with his 1031-exchange money down and my credit (roughly $250 K purchase price). As long as he is alive and well--he's 61 and has some medical issues, but nothing life-threatening--I would have no ...
by inbox788
Thu Jun 28, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: Am I wasting money on my old car?
Replies: 34
Views: 3407

Re: Am I wasting money on my old car?

Adding residual value would favor the used car even more because the newer one is going to cost more in depreciation over the next 5 years. I don't think the calculator linked and discussed is consistent with that idea. Whether you're using the calculator or doing your own, be careful not to miscou...
by inbox788
Thu Jun 28, 2018 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Can I TLH QQQ and pick up VTI, IVV, VOO...
Replies: 26
Views: 1794

Re: Can I TLH QQQ and pick up VTI, IVV, VOO...

Thanks for the links. From what I saw, there are very few SP500 funds mentioned, and none that swapped one market cap weighed SP500 fund for another. I don't think these roboadvisors want to be the test case for the IRS. :confused There are many examples of Total Stock funds that are market cap wei...
by inbox788
Thu Jun 28, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: Spam purportedly from Contact List
Replies: 5
Views: 691

Re: Spam purportedly from Contact List

I was spammed and noticed a couple of emails that I had only used once from another account. I had sent emails between my own accounts and one of them was hacked. One of the recipients was from craigslist and the other from a product company, and both contacts were from many years ago. It was a yaho...
by inbox788
Thu Jun 28, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: Please help find these shoes for an old lady
Replies: 32
Views: 3565

Re: Please help find these shoes for an old lady

I'm impressed by your analysis and how much you noticed! Thank you! You're welcome. Having personally experienced foot pain, I can appreciate the need for a comfortable pair of shoes. And I'm always up for a mystery/challenge. Anyway, I hope the fine lady finds what she needs or something close to ...
by inbox788
Thu Jun 28, 2018 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Can I TLH QQQ and pick up VTI, IVV, VOO...
Replies: 26
Views: 1794

Re: Can I TLH QQQ and pick up VTI, IVV, VOO...

Is there a list? Any of the roboadvisors doing IVV/SPY/VOO? If that passes the test, we're all home free. But it's good company to be doing what all these roboadvisor are doing, so if there is a crackdown, they're big fish to fry. Schwab Intelligent Portfolios lists their pairs: https://intelligent...
by inbox788
Thu Jun 28, 2018 5:39 pm
Forum: Investing - Theory, News & General
Topic: Is there a way to avoid bad companies in S&P 500?
Replies: 92
Views: 4578

Re: Is there a way to avoid bad companies in S&P 500?

Well, you could have weeded out GE yesterday and lost the 8.3% gain today... Everybody "knew" Amazon was getting into the pharmacy business. Ironic that GE is being switched out for WBA. Do you use yesterdays price or today's price when comparing GE to WBA when figuring out if the incoming stock or...
by inbox788
Wed Jun 27, 2018 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: Can I TLH QQQ and pick up VTI, IVV, VOO...
Replies: 26
Views: 1794

Re: Can I TLH QQQ and pick up VTI, IVV, VOO...

Are you saying there's case law on the matter or there not even looking? I haven't paid that much attention, but haven't come across any such decisions. Then again, I'm not aware of anyone actually trying such similar funds much less advertising the matter and looking for trouble. Almost every robo...
by inbox788
Wed Jun 27, 2018 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: Can I TLH QQQ and pick up VTI, IVV, VOO...
Replies: 26
Views: 1794

Re: Can I TLH QQQ and pick up VTI, IVV, VOO...

Whether the swap of these two products for tax purposes is permissible under the wash-sale rule is a subject that is still under debate. As far as I know, it's not under debate by anyone whose opinion matters. That would be the IRS, Congress, and the Tax Court. Bloggers blog. That doesn't mean that...
by inbox788
Wed Jun 27, 2018 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Am I getting the run around?
Replies: 24
Views: 4194

Re: Am I getting the run around?

I don't think you are getting the run-around. My spouse uses a self-directed brokerage account in her 401(k). She is probably one of 3 people in her firm that uses this. Thus, no one in HR or Personnel or Accounting really knows anything about how it works. It is NOT the "happy path" that Benefits ...
by inbox788
Tue Jun 26, 2018 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Can I TLH QQQ and pick up VTI, IVV, VOO...
Replies: 26
Views: 1794

Re: Can I TLH QQQ and pick up VTI, IVV, VOO...

Yes, none of those other ETFs are substantially similar to QQQ (which is the IRS test.) No. It's "substantially identical". That's a much higher bar. Yes, quite a high bar that's not been tested AFAIK. Here's the discussion on the 70% rule, which if they even begin to utilize it, will open up lots ...
by inbox788
Tue Jun 26, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Please help find these shoes for an old lady
Replies: 32
Views: 3565

Re: Please help find these shoes for an old lady

One day, you'll be able to feed the image into Google or search engine and they'll spit out a model and places where it's sold. For now, Google Image Search (available by simply right clicking on the image - last entry - "Search Google for image") only comes up with "flip-flops" for the top image ( ...
by inbox788
Tue Jun 26, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Can I TLH QQQ and pick up VTI, IVV, VOO...
Replies: 26
Views: 1794

Re: Can I TLH QQQ and pick up VTI, IVV, VOO...

When you sell at a loss, you usually want to use a trading pair that will provide exposure similar to what you sold. That way you can still benefit if the general sector goes up. For example, a good TLH partner for VXUS is VEU (Vanguard FTSE All-World Ex-US). It is a similar fund that follows a dif...
by inbox788
Tue Jun 26, 2018 1:47 am
Forum: Investing - Help with Personal Investments
Topic: 60/40 or 40/60?
Replies: 42
Views: 4556

Re: 60/40 or 40/60?

Hello. I'm 69. Retired. Live off SS and savings. Current investment allocation is 60 equities, 40 bonds. Thinking of reversing allocation to 60 bonds/40 stocks through midterms. Objective is to buy a little insurance for portfolio if tariff trade war deepens. Thoughts, please. Here's a suggestion b...
by inbox788
Mon Jun 25, 2018 10:34 pm
Forum: Personal Consumer Issues
Topic: Costco tire - Michelin vs Bridgestone
Replies: 44
Views: 20169

Re: Costco tire - Michelin vs Bridgestone

Between the two, I'd pick the Michelin Defender, but don't believe the mileage warranty. You're lucky if you get half what's rated. I've never had a tire fail to reach its warranty with at least the legal amount of tread. The worst I had was Honda OEM-equipped Firestones that I replaced a little pa...
by inbox788
Mon Jun 25, 2018 10:15 pm
Forum: Personal Consumer Issues
Topic: Looking for Mazda CX-9 Feedback
Replies: 42
Views: 4128

Re: Looking for Mazda CX-9 Feedback

We looked at the CX-5 as well as the CX-9. We are not interested in the CX5 but thanks for the comments about it. Understand your preference for CX-9, but why cross-shop vs RDX instead of MDX? Make me think the 3rd row isn't that important or essential, so other factors like more room or options ar...
by inbox788
Mon Jun 25, 2018 1:46 am
Forum: Personal Consumer Issues
Topic: Looking for Mazda CX-9 Feedback
Replies: 42
Views: 4128

Re: Looking for Mazda CX-9 Feedback

Look at the Acura rdx with acura watch which is in the middle range. Tech pkg not worth extra $4K Bought a new 2016 and love the car. rides and handles nicely gas mileage around town 19-20 get 29-30 on steady highway great cruise control that slows car down when other cars pull in front of you at s...
by inbox788
Sun Jun 24, 2018 6:57 pm
Forum: Personal Consumer Issues
Topic: 2007 Toyota Corolla
Replies: 39
Views: 2244

Re: 2007 Toyota Corolla

I just replied to this thread. If you have the same expeirence as this other Corolla owner, you've got at least 11 years or 40k+ miles to go. I have a 1996 Toyota Corolla 118,000 miles. https://www.bogleheads.org/forum/viewtopic.php?f=11&t=252269&p=3988468#p3988127 I'm looking into a 2007 Corolla er...
by inbox788
Sun Jun 24, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: Am I wasting money on my old car?
Replies: 34
Views: 3407

Re: Am I wasting money on my old car?

First of all, 118k on a 96 Corolla isn't even broken in yet. Check this calculator out: https://www.atra.com/fixortrade As you can see, it rarely makes sense to buy a new car versus repairing the one you currently have. Assuming this car isn't rusted out, you'd be crazy to ditch it just because it ...
by inbox788
Sun Jun 24, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Cheap simple tablets?
Replies: 28
Views: 2733

Re: Cheap simple tablets?

$50-$80 Amazon Fire HD8 $100 -$150 Amazon Fire HD10 $250 Apple iPad 2017 $300- $330 Apple iPad 2018 ... FWIW, we bought our mom and dad each an iPad a few years ago. They are in their early 60's. They used to Facetime and Facebook on their tablets. Once they upgraded to plus sized iPhones, the tabl...
by inbox788
Sun Jun 24, 2018 3:13 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 48
Views: 5266

Re: Apple MacBook Air On Sale $699

I am typing this on my July 2013 Macbook Air. It runs faster than the day I bought it. Other than a battery replacement last October, there's been no maintenance needed. This thing just works like a high-end appliance. Open the shell, and use. I buy these for all my doctors to use in my medical pra...
by inbox788
Sun Jun 24, 2018 2:04 am
Forum: Personal Consumer Issues
Topic: Costco tire - Michelin vs Bridgestone
Replies: 44
Views: 20169

Re: Costco tire - Michelin vs Bridgestone

I purchased Michelin® DEFENDER 215/60R16 (Item #645921) couple days ago from costco.com for $461.82 inclusive of all taxes. This was when they were running a promotion for $130 off Michelin last week. I have not yet gotten it installed, and can cancel for full refund. Starting this week, Costco is ...
by inbox788
Sat Jun 23, 2018 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: help with expense ratio
Replies: 17
Views: 1127

Re: help with expense ratio

Fidelity has this unfortunate setup where they offer both Managed and Index Target Date Funds eg: FBIFX Fidelity Freedom® Index 2040 Fund Investor: ER 0.15 vs FFFFX Fidelity Freedom 2040: ER: 0.75 and FIOFX Fidelity Freedom Index 2045 Investor: ER 0.15 vs FFFGX Fidelity Freedom 2045: ER 0.75 They m...
by inbox788
Sat Jun 23, 2018 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: help, inheritance of $3.5M, read & read BogleH, & still in the dark
Replies: 33
Views: 4468

Re: help, inheritance of $3.5M, read & read BogleH, & still in the dark

OP is probably overwhelmed by everything, and some of the postings here probably contain way more information than he can immediately process. The important thing right now is to DO NOTHING! Sit back, relax, and enjoy the moment. Put the $3.5M under your mattress and for the next 35 years, take out ...
by inbox788
Fri Jun 22, 2018 8:12 pm
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9": Replacement for Laptop?
Replies: 47
Views: 4040

Re: iPad Pro 12.9": Replacement for Laptop?

And as the OP mentioned needing to do keynote presentations, good luck traveling the world visiting various hotel conference rooms and connecting your Ipad to their projector technology. Getting a Windows laptop working with projectors can be a challenge, let alone a tablet that only has a lightnin...
by inbox788
Fri Jun 22, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: How do find a good doctor for chronic hives
Replies: 25
Views: 1341

Re: How do find a good doctor for chronic hives

Yeah, I know one can't give medical advice, but I'm curious how one finds a good specialist. Sure, we've asked our family doctor, but the guy he referred us to is terrible. What do you mean by terrible? Have you gone back to the family doctor and discussed this? Why did he pick this specialist, and...
by inbox788
Fri Jun 22, 2018 12:56 am
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9": Replacement for Laptop?
Replies: 47
Views: 4040

Re: iPad Pro 12.9": Replacement for Laptop?

I ended up with a 12" MacBook. It's frustrating when working in multiple word docs or spreadsheets but it gets the job done. I've also moved away from Excel to LibreOffice because I don't use spreadsheets all that often now. It works ok in Windows and I'm about to see how similar it will be in MacO...
by inbox788
Thu Jun 21, 2018 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Is a Donor Advised Fund worth it? (Strategy)
Replies: 30
Views: 2022

Re: Is a Donor Advised Fund worth it? (Strategy)

Yes - the DAF added fees DO have a drag. However, depending on the mx and nature of holding yourself - there will be some increased taxes. Another benefit to holdings in a DAF is "asset protection", since the funds are not yours any more - they cannot be taken by judgments, creditors, ex-spouses, j...
by inbox788
Thu Jun 21, 2018 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Is a Donor Advised Fund worth it? (Strategy)
Replies: 30
Views: 2022

Re: Is a Donor Advised Fund worth it? (Strategy)

1.Do I Just put money in a total stock market index fund in a non tax protected account? Benefit: No addition .6% taken annually. Eventually I will donate portions of the fund to a 503 to get the tax advantages. Understand some dividends will still get taxed, and that the fund isn't balanced, which...
by inbox788
Wed Jun 20, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: iPad/iOS - feature or bug?
Replies: 13
Views: 878

Re: iPad/iOS - feature or bug?

OP, does it happen on this website? Or is it only on those infinity pages where things keep loading as you scroll? Might be related to issue discussed in message below. Might be a site specific issue that depends on web site implementation; the worst kind to fix. Recent change in WebKit: WebKit wrot...
by inbox788
Wed Jun 20, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: iPad/iOS - feature or bug?
Replies: 13
Views: 878

Re: iPad/iOS - feature or bug?

It might be the ads that are changing. I'd call it a bug! Will have to look more into it. I've been using Safari more than Chrome these days because of the ability to turn off all autoplay videos with better success. Hopefully they help get this nonsense out of control. FWIW, if I turn off the Wifi ...
by inbox788
Tue Jun 19, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: One handed Android phone?
Replies: 38
Views: 1774

Re: One handed Android phone?

It looked good to me also, except it does not have optical image stabilization, which I believe is a good feature to have. You're asking a lot to squeeze into a smaller and smaller size. [And you're looking for long battery life, standby and talk times? It's much easier to fit lens modules, batteri...
by inbox788
Mon Jun 18, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Air conditioner compressor replacement cost
Replies: 31
Views: 2872

Re: Air conditioner compressor replacement cost

The AC was bought by the previous owner. I thought a AC unit would last longer than 6 years too. Maybe just bad luck on my part. Is Lennox still considered a good brand? Don't know, but I thought it was one of the higher end lines (installed in fancier new houses). Same manufacturer may have severa...
by inbox788
Mon Jun 18, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: Air conditioner compressor replacement cost
Replies: 31
Views: 2872

Re: Air conditioner compressor replacement cost

One of my AC unit is not working. A repairman came and told me that the AC compressor needs to be replaced. Also need to get new refrigerant/filter as part of the job. My current AC unit is a 5-ton Lennox, bought in 2012. And the warranty is 5 years. :oops: I was quoted a total cost of $2300 includ...
by inbox788
Mon Jun 18, 2018 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Do you cancel old credit cards?
Replies: 55
Views: 5480

Re: Do you cancel old credit cards?

I keep my oldest no-fee card, because its 25+ year age helps my credit rating. I kept my oldest card for 10 years after not using it, but recently closed the account and so far (since around 6 months ago), no significant change in my credit score AFAIK. Don't plan on needing my credit score in the ...