Search found 2237 matches

by Jags4186
Wed Jul 04, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: Cordcutters - Playstation Vue
Replies: 30
Views: 3585

Re: Cordcutters - Playstation Vue

If you want this cable content the legit way, there’s no way around paying. The main advantage of these streaming services is that you can buy equipment and eliminate the equipment rental fees from the cable companies. After recently helping a relative sign up for cable TV the advertised package pri...
by Jags4186
Wed Jul 04, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Surface Pro(2017) vs 9.7" iPad 2018 (edited)
Replies: 35
Views: 2615

Re: Surface Pro(2017) vs 10.5" iPad Pro

I’d really recommend you just get yourself a slim laptop for the work you describe—I got my wife a Dell XPS 13 last Christmas and it is a beautiful machine. I use an iPad Pro 10.5 for many things but it has several “quirks” which are just not good for your activities. Whether you have an Apple penci...
by Jags4186
Tue Jul 03, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106402

Re: To take or not to take delivery of Tesla 3

So what is starting to happen now is that the bloom is off the rose. The press has turned on Musk/Tesla and the flowery coverage has turned. I'm not sure how long you've been following Tesla news, but there basically has always been negative or misleading reports about Tesla. A decade ago, Top Gear...
by Jags4186
Tue Jul 03, 2018 9:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 199
Views: 17791

Re: Vanguard expanding list of commission-free ETFs August 2018

I don’t see how this benefits most of us on here since vanguard index etfs are some of the best run and lowest cost? I’m thinking of using 1-2% of my portfolio for speculative fun bets but then come to my senses as this will likely have no significant impact even in the best of cases. Because Vangu...
by Jags4186
Tue Jul 03, 2018 7:05 am
Forum: Personal Finance (Not Investing)
Topic: How can I pay my credit card balance with a Visa Gift Card?
Replies: 32
Views: 2573

Re: How can I pay my credit card balance with a Visa Gift Card?

You can’t directly. You would need to get a PIN, buy a money order, deposit the money order, then pay it off. Being able to buy a money order with a VGC is extremely local. I think you are referring to manufactured spending. I have done this a few times in the past, but now my local Walmart and pos...
by Jags4186
Mon Jul 02, 2018 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: How can I pay my credit card balance with a Visa Gift Card?
Replies: 32
Views: 2573

Re: How can I pay my credit card balance with a Visa Gift Card?

You can’t directly. You would need to get a PIN, buy a money order, deposit the money order, then pay it off. Being able to buy a money order with a VGC is extremely local.
by Jags4186
Mon Jul 02, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Do we start the house buying process?
Replies: 25
Views: 2270

Re: Do we start the house buying process?

You had me until you said it could easily sell for its original price. If it could easily sell for its original price, someone would have bought it. It might be a good deal, but don’t go in thinking you walked into $80k equity. That aside, you are in a $100/mo living situation and with $8k/mo takeho...
by Jags4186
Sun Jul 01, 2018 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 13529

Re: What are your property taxes?

NJ $11,310 for 1400sqft on 1/4 acre.

People who pay significantly less, do you have local professional police/fire? Also curious if you have things like 2x weekly garbage and recycling pickup that’s included.
by Jags4186
Fri Jun 29, 2018 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: How to shift from 70% to 75% stock
Replies: 8
Views: 832

Re: How to shift from 70% to 75% stock

Just know the second you move from 70/30 to 75/25 the market will plunge. It is the way things are!
by Jags4186
Fri Jun 29, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Anyone use T-mobile cell network?
Replies: 32
Views: 1858

Re: Anyone use T-mobile cell network?

T-Mobile offers a great coverage map which not only tells you where it has coverage, but on what bands it has coverage. Could you provide a link to that map? The only one I could find on their site offers a pretty granular breakdown of where they have service and what type of service (LTE, 4G, 3G e...
by Jags4186
Fri Jun 29, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: Anyone use T-mobile cell network?
Replies: 32
Views: 1858

Re: Anyone use T-mobile cell network?

T-Mobile uses some spectrum bands that haven't been traditionally used by cell carriers in the past. It has acquired large swaths of 600MHZ spectrum which provides longer range transmission of signal and better in building penetration. If reception is your primary concern I would look into buying ne...
by Jags4186
Thu Jun 28, 2018 7:14 pm
Forum: Investing - Theory, News & General
Topic: Levering a portfolio to a 60/40 equivalent
Replies: 15
Views: 1956

Re: Levering a portfolio to a 60/40 equivalent

I figured these would be the responses. So I guess my next question is how do you reconcile these statements: 1. Past performance does not predict future performance. 2. Use a diversified asset allocation because it's worked in the past. People on here like to opine on market trends (rising rates, ...
by Jags4186
Thu Jun 28, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Inspection on home we wish to purchase - questions i should ask
Replies: 23
Views: 1380

Re: Inspection on home we wish to purchase - questions i should ask

Don’t buy a house with an underground oil tank. It needs to be removed and the state needs to certify that it was done correctly. If the owners won’t remove the tank I would move on.
by Jags4186
Thu Jun 28, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: Is today's furniture market wackier than ever?
Replies: 18
Views: 2465

Re: Is today's furniture market wackier than ever?

People talk about “quality” furniture and “quality” cloths and I just hear “expensive” furniture and “expensive” cloths. I just can’t ever see myself spending 10% of my gross annual income on a living room set in the name of “quality” or two weeks pay on a suit that “fits me like a glove.”
by Jags4186
Thu Jun 28, 2018 7:42 am
Forum: Personal Finance (Not Investing)
Topic: CNBC: Social Security buying power has slipped by a third for retirees
Replies: 95
Views: 7091

Re: CNBC: Social Security buying power has slipped by a third for retirees

Not terribly surprising, given the exponential increase in healthcare. I'm not quite sure where the increase, if any, is coming from. A friend just had robotic abdominal surgery and the surgeon got paid $600 by medicare, while the anesthesiologist raked in a whopping $125. I'm paying an appliance r...
by Jags4186
Wed Jun 27, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: How many months of living expenses would you keep in your bank.
Replies: 61
Views: 4058

Re: How many months of living expenses would you keep in your bank.

We keep about $50k in cash. $48,000 is 8 months of cash split $20k and $20k in two high yield checking accounts paying us 4.59% interest. The other $8k is in Vanguard Prime Money Market. Then we keep a few thousand in our checking account--$2-$3k. We get paid every week so theres no need to keep a b...
by Jags4186
Wed Jun 27, 2018 10:19 am
Forum: Investing - Theory, News & General
Topic: Is there a way to avoid bad companies in S&P 500?
Replies: 92
Views: 4670

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

How do you square the fact that a terrible company became one of the 500 or so largest American companies? Remember, today's dogs are tomorrow's turnaround stories. Today's high flyers are tomorrow's disappointments. GE was a great company until it became "terrible". Eastman Kodak was a great compan...
by Jags4186
Tue Jun 26, 2018 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Small loan by the way of 0% APR credit card
Replies: 20
Views: 1209

Re: Small loan by the way of 0% APR credit card

Be careful with CC debt—even at 0%. As others have noted usually if you fail to pay off the balance during the 0% period you’ll usually be charged interest back to day 1. Since you are only paying your cousin $300/mo it is unlikely you’d be able to pay off $6000 in a 12 month intro period. I would l...
by Jags4186
Tue Jun 26, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7389

Re: Family dynamics/in laws/am I being petty?

You asked. You didn't like what some have to say about this. And, now you argue that it's not anyone else's place to say how generous you are.... Sorry, you didn't get all the support you were hoping for. You’re right. Now I like everyone who agreed with me and think everyone who disagrees with me ...
by Jags4186
Tue Jun 26, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7389

Re: Family dynamics/in laws/am I being petty?

Yes, you're being petty. This is money that is in the weeds and shouldn't be worried about. Splitting the bill when there are less of you is being generous. My co-workers brother in law bought their entire family, like 30 people, Alaskan cruise tickets and airfare. The brother in law died a couple ...
by Jags4186
Tue Jun 26, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7389

Re: Family dynamics/in laws/am I being petty?

Jags4186, << I think being told I should be “generous” or “pick up the whole tab that’ll show ‘em!” is a little ridiculous when you have no idea how generous we already are being or without regards to our current income/expenses/lifestyle. >> If you are generous, why are you keeping score? If it is...
by Jags4186
Tue Jun 26, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7389

Re: Family dynamics/in laws/am I being petty?

Actually I do have another thought...

I wonder if I had posted

"Hey everyone, I found a great way to save money. When you go out in groups if you order all the expensive items that then get spread over others who eat less expensive items, you will come out ahead!" what the reaction would have been.
by Jags4186
Tue Jun 26, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7389

Re: Family dynamics/in laws/am I being petty?

Jags4186, << I think being told I should be “generous” or “pick up the whole tab that’ll show ‘em!” is a little ridiculous when you have no idea how generous we already are being or without regards to our current income/expenses/lifestyle. >> If you are generous, why are you keeping score? If it is...
by Jags4186
Tue Jun 26, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7389

Re: Family dynamics/in laws/am I being petty?

Whether or not an extra $35 is a lot of money to me or not is irrelevant IMO. If I found $35 on the street I’d be excited. If I found out I bought something and another store had the same item for $35 cheaper, I’d be ticked off. I think being told I should be “generous” or “pick up the whole tab tha...
by Jags4186
Tue Jun 26, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7389

Re: Family dynamics/in laws/am I being petty?

Don't say anything ... result is splitting the bill and maintaining family harmony (i.e. you are paying fully for the parents). Raising the issue with the family ... result is potential awkwardness, perhaps hurt feelings or even hostility/resentment. Maybe they decide to stop the group celebratory ...
by Jags4186
Tue Jun 26, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7389

Re: Family dynamics/in laws/am I being petty?

I would probably feel the same as the OP, but you have to pick your battles and this is definitely not something worth starting a family feud over. If you do decide to bring up the subject your wife should be the one to discuss it with her sibling. Don't involve her parents. I like mak1277 's sugge...
by Jags4186
Tue Jun 26, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7389

Re: Family dynamics/in laws/am I being petty?

I would consider it more honorable for the parents with the kids to say, "Hey, let's split the check, but let us cover the tip since a larger portion of the check is ours." Agreed—I don’t need it to be even to the penny, just some sort of acknowledgment that they are a larger portion of the bill. T...
by Jags4186
Tue Jun 26, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7389

Family dynamics/in laws/am I being petty?

So this past weekend my wife and I went out to eat with my in laws—MIL, FIL, SIL, BIL, niece and nephew. We were taking my MIL/FIL out for a combo birthday/Father’s Day meal. When the check came, my SIL took it and told us how much we owed—we ended up splitting the $300 bill in half. In years past w...
by Jags4186
Mon Jun 25, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Cash Out Retirement Account vs Rollover to IRA
Replies: 35
Views: 2171

Re: Cash Out Retirement Account vs Rollover to IRA

OP, I appreciate all the things you want to do and when you start cashing your $600k-$1mil paycheck you are certainly free to support your family if you so desire. I would be very weary of setting a precedent of you paying for everyone. Covering tuition soon will become helping so and so get an apar...
by Jags4186
Mon Jun 25, 2018 6:49 am
Forum: Investing - Theory, News & General
Topic: New York Times on current yield curve as powerful signal of recession
Replies: 44
Views: 4223

Re: New York Times on current yield curve as powerful signal of recession

It could be the party is over, or we could be in year 9 of another 25 year bull run like 1975-1999, or something else. Indicators are easy to see and understand after what has been indicated has happened. Even in the period of 1975-1999 where the SP500 returned over 17% per year there were 3 down ye...
by Jags4186
Mon Jun 25, 2018 6:20 am
Forum: Personal Consumer Issues
Topic: House seller fudging disclosure re: buried oil tank?
Replies: 36
Views: 4111

Re: House seller fudging disclosure re: buried oil tank?

Move along. You have enough to worry about with your own house hunt--don't involve yourself with other people's house hunts.
by Jags4186
Sun Jun 24, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 12081

Re: When did you start flying business class?

Someone comes to you and says “I’ll pay your $400 an hour to sit in a cramped seat for 2/3s a day. We’ll bring you beverages and food and you can even take Advil PM and passout if you’d like.” Would you take the offer? That’s essentially the difference between a $1600 coach flight and an $8000 busin...
by Jags4186
Thu Jun 21, 2018 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: US Small Cap Value Funds
Replies: 14
Views: 1273

Re: US Small Cap Value Funds

Maybe maybe not. Its stocks are larger than, for example, IJS which is a popular US SCV fund but it is also contains more value and less growth than IJS. That’s inaccurate . IJS (and other funds tracking the same index like VIOV and SLYV) have more exposure to both the size factor and the value fac...
by Jags4186
Thu Jun 21, 2018 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: US Small Cap Value Funds
Replies: 14
Views: 1273

Re: US Small Cap Value Funds

I've heard more than once from this forum that Vanguard's US Small Cap Value fund (VISVX/VSIAX) is more like a mix of small AND mid cap value. Does that mean that it doesn't capture the small value premium as effectively as a similar fund that is truly all small cap value? Would love to hear though...
by Jags4186
Thu Jun 21, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Hands-free solutions
Replies: 15
Views: 671

Re: Hands-free solutions

Earpiece seems to be the easiest choice, corded or Bluetooth. Corded can be left in the car, Bluetooth would need to be charged.
by Jags4186
Thu Jun 21, 2018 5:47 am
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 248
Views: 30638

Re: Why pay cash for a car?

To me it screams penny wise, dollar foolish. Throwing $20k, $30, $40k, etc. into a 2% account while getting 0% loan discounts the fact that you likely could have bought a cheaper car with similar options + utility. You’re simply mitigating the damage of an already suboptimal decision. I try to get ...
by Jags4186
Wed Jun 20, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: Article on hotel booking sites - no bargains
Replies: 38
Views: 3981

Re: Article on hotel booking sites - no bargains

I use hotels.com for hotels. I earn 10% back towards future stays + cashback portal rewards on my stays. This allows me to book the cheapest comparable room wherever I go instead of being locked into a brand. You’d be surpised how often a Hilton Garden Inn or Courtyard by Marriott can be priced diff...
by Jags4186
Wed Jun 20, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 248
Views: 30638

Re: Why pay cash for a car?

I’d just rather buy the car, write the check, and be done with it. A few reasons: 1) It very much evens the playing field with dealers. The best way to get a price on a car is the reach out to the 4 or 5 closest dealers and ask for their best and final OTD price on XYZ model with ABC options for a c...
by Jags4186
Wed Jun 20, 2018 7:04 am
Forum: Personal Finance (Not Investing)
Topic: $1M Term Life Insurance
Replies: 14
Views: 1713

Re: $1M Term Life Insurance

Consider the impacts of inflation as well. Of course that is counterbalanced by your hopefully growing personal assets. $500k in 20 years may not cover college costs for two children.
by Jags4186
Tue Jun 19, 2018 6:35 am
Forum: Personal Finance (Not Investing)
Topic: Do you think it is smart to disclose that you have passive investments to other people?
Replies: 43
Views: 4413

Re: Do you think it is smart to disclose that you have passive investments to other people?

Be available when you’re supposed to be available. It shouldn’t matter if you have a rental on the side or an empire on the side. If you want to be a lawyer/doctor/whatever and have side passive income you have two options: 1) hire people to do the work for the side gig when you’re needed at your re...
by Jags4186
Mon Jun 18, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: How to brokered CDs differ?
Replies: 9
Views: 916

Re: How to brokered CDs differ?

Basic question: how do brokered CDs differ from standard ones? I am talking about CDs in my IRA account here. Thanks for your time. Brokered CDs cannot be broken early. If you need the money you’d have to sell it and depending on the interest rate environment you could lose principal. If you hold t...
by Jags4186
Mon Jun 18, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 123
Views: 10986

Re: Timeshare ever worth it? Please share details

Our summer vacation will be staying at a family member's place down the jersey shore for a week. Cost will be $30 in gas and $10 tolls plus maybe a few $100 for food and entertainment. If we had a timeshare I would feel obligated to go on the vacation incurring not only the maintenance fee but much...
by Jags4186
Mon Jun 18, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: successful chase sapphire paid auto claim with rental abroad
Replies: 12
Views: 1114

Re: successful chase sapphire paid auto claim with rental abroad

I too have had success with CSR foreign rental claim. The only wrinkle was that the documents were all in Icelandic and I had to wait for Chase to get a translator. I was not offered a direct deposit option but a check showed up within a month.
by Jags4186
Mon Jun 18, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 123
Views: 10986

Re: Timeshare ever worth it? Please share details

Yes, "infinitely flexible" was a bit of hyperbole on my part. You could book a multi-city trip using timeshare, and I know people who have done that. I agree that they're not ideal for multi-city trips, though - their main purpose is staying in one place for a week or two. Re "unable to travel": Wi...
by Jags4186
Mon Jun 18, 2018 8:46 am
Forum: Investing - Theory, News & General
Topic: You Can Market Time At Valuation Extremes
Replies: 64
Views: 7477

Re: You Can Market Time At Valuation Extremes

Let’s ask Rob Bennett if you can market time at extreme valuations.
by Jags4186
Mon Jun 18, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 123
Views: 10986

Re: Timeshare ever worth it? Please share details

Time shares make no sense to me: They require a large up front commitment if bought new. They always require annual maintenance. They are inflexible. They lock you into a certain type of vacation. They are something else to worry about. They are hard to get rid of. Skimming over the thread it looks...
by Jags4186
Mon Jun 18, 2018 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 123
Views: 10986

Re: Timeshare ever worth it? Please share details

Time shares make no sense to me: They require a large up front commitment if bought new. They always require annual maintenance. They are inflexible. They lock you into a certain type of vacation. They are something else to worry about. They are hard to get rid of. Skimming over the thread it looks ...
by Jags4186
Sun Jun 17, 2018 8:51 pm
Forum: Investing - Theory, News & General
Topic: What do you sell after the emergency fund?
Replies: 25
Views: 1619

Re: What do you sell after the emergency fund?

I’d sell whatever was in my taxable account since I wouldn’t pull money out of a tax deferred account. Since I only have stock mutual funds and ETFs in my taxable account, it would have to be stocks. Next I’d move to Roth IRA contributiuons, and finally penalty withdrawals from tax sheltered accoun...
by Jags4186
Sun Jun 17, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: What do you sell after the emergency fund?
Replies: 25
Views: 1619

Re: What do you sell after the emergency fund?

I’d sell whatever was in my taxable account since I wouldn’t pull money out of a tax deferred account. Since I only have stock mutual funds and ETFs in my taxable account, it would have to be stocks. Next I’d move to Roth IRA contributiuons, and finally penalty withdrawals from tax sheltered account...
by Jags4186
Sun Jun 17, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 14926

Re: How much (green) cash at home for emergency ?

A few thousand might be handy to pay (bribe) someone with boat to get you out of the second floor of your house and then get someone with a Jeep to get you through the foot deep water to somewhere dry with the power on. After that all you need is your normal amount of pocket cash, ATM card, and cre...