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Are you really asking whether you should "wait for the crash" while also claiming to not be "trying to time the market"?!

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njdealguy wrote: ↑Fri Apr 16, 2021 8:35 pm Can try seeing what Carvana would offer for your car and pick it up from your place. Might be happy with what they are willing to pay.

Also try Vroom. In my case their offer was about 10% higher than Carvana's, process was smooth. Of course YMMV.

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Due to some things that came up my car search was delayed but now I’m in the process of purchasing one. I emailed a few dealerships and got some quotes. Was wondering what’s the best way to reply? Dealer 1 has quoted me $X Dealer 2 has quoted me $Y (a little less than X) a) Do I go back to dealer 1...

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Folks, My apology! 5.6Gbps had been demonstrated. https://www.fiercewireless.com/tech/t-mobile-pulls-more-out-2-5-ghz-mu-mimo-5g-demo-ericsson <<T-Mobile boasted spectral efficiency gains in a new 5G demo with Ericsson that saw eight devices on the same cell hit speeds of 700 Mbps. The test leverag...

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If you don't want to replace with a laser, check to see if your printer is compatible with HP's Instant Ink program. It's a subscription model with different tiers (for example, 99 cents/mo for 15 pages/mo, black or color), HP monitors your usage and sends you cartridges before you run out. A major ...

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Big discounts on the Chevy Bolt right now plus an extra $3,000 if you are, or can become, a member. I think you mean the Costco incentive. You must have already been a member on March 1 to get the incentive (which expires April 30). You cannot become a member now and get it. I did mean Costco and d...

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There's a federal income tax credit of about $4500 on the Prius Prime (nonrefundable so you need at least that much tax liability to get all of it). That along with other state, local, and utility incentives can make it cheaper than a regular Prius, or even the cheapest new car. I ultimately went wi...

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MishkaWorries wrote: ↑Sun Apr 18, 2021 12:57 pm Big discounts on the Chevy Bolt right now plus an extra $3,000 if you are, or can become, a member.

I think you mean the Costco incentive. You must have already been a member on March 1 to get the incentive (which expires April 30). You cannot become a member now and get it.

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I've done this. I think it's a good starting point. One of the advantages to buying new in the age of the internet is remote negotiations. Much harder with used. I am a horrible negotiator. But I buy pretty mainstream stuff. Typically there are multiple dealers offering virtually identical cars. Al...

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If you are a single filer, contributing only to a Roth 401k is probably a mistake, esp. if you do not have a pension. That's because you're "locking in" tax rates that are as high as 22% federal (although that only applies to a portion of your income). I would probably contribute at least ...

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I documented my experience with a pretty egregious error by Vanguard here: viewtopic.php?t=261539

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I would take a good look at available incentives on new plug-in hybrids and EVs. These vary a lot by region, what you purchase, and sometimes income. For my most recent purchase, buying an EV new came out FAR cheaper than purchasing any hybrid new or even used 3-5 years old.

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If you can't be bothered to carry an external flash, then you should probably stick to cell phone cameras, at least for indoor photos. With their sophisticated algorithms (taking multiple exposures to adjust for lighting conditions), they can give you much better pictures under challenging lighting ...

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So for a conversion being performed in 2021, as long as I have no tax deferred tIRA balances on 12/31/21, I need not worry about the pro-rata rule? Even if I had a tax-deferred balance in my tIRA earlier this year as long as it had been rolled over before the conversion, I should be able to avoid t...

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I am trying to think ahead to the day when China eventually switches from emerging to developed indices. This would have implications for term holding VEA/VWO instead of VXUS. I have some questions: 1. How is that going to work? 2. Will Vanguard automatically provide China shares in VEA for the VWO...

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Attempting my first traditional IRA to Roth conversion. Did an extensive amount of reading and I think I'm doing this correctly, but just had a question regarding the pro-rata rule and timing of the conversion. I had 2 traditional IRA accounts that were funded with pre-tax dollars. Based on my read...

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You could do the same thing by looking top holdings of a small cap value index fund -- you would not recognize most of the top names, but the small cap index outperform the total market index long term. It has outperformed over certain time period and underperformed over others. These statements CA...

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The new Sienna comes as hybrid standard, and the Highlander is available as a hybrid.

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Genuinesarcasm wrote: ↑Tue Mar 30, 2021 7:41 pm From reading Bernstein and others, this seems to be about the upper limit for international exposure and without being a market timer ...

Why would 35% not be "market-timing" (whatever that means in this context) but market cap weighting (about 45%) would be "market-timing"?

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Of the two, total stock. I like the extra diversification of total stock. For my portfolio, I like total world stock for new money in to a (very slightly) rising equity glidepath. It keeps the world wide diversification that I want in my portfolio. Now, if you ask why do you give up several % point...

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Being focused on driving and not allowing yourself to be distracted is of far more important than any driver assist feature. I agree maintaining attention is important, and driver assist features are no substitute for that. But having driven several trips now - especially on freeways (both at speed...

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I've used quite a few USB-PD laptops, and indeed in a pinch it's handy to be able to charge with a USB-A to -C cable (very slowly - max around 10-12W instead of the 45-65W the laptop's own charger can do). Basically only works when turned off (or at least in sleep), and not all laptops with USB Pow...

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I haven't seen any comparisons, but I don't think going to AC and back is very efficient. .... Definitely, not efficient, but (a) my laptop does not take USB-A nor USB-C for input power, (b) I can power other 110-120VAC devices, (c) my car already has USB-A sockets, and (d) with my car I am unconce...

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I was reading that all electric homes with 100A service might have a problem with EV chargers? After what I saw this winter, I think my power grid might also have a problem when everyone decides to plug in their cars. :oops: As usual with threads on EVs, there's an impressive amount of FUD (fear, u...

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One more thing... in California, no one uses their garage. There must be some other California in which no one uses their garage, because I've seen plenty of garages in this California with cars parked in them, most garages, in fact. My garage in California has two vehicles parked in it. My neighbo...

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For the OP - I may be mistaken, because I don't own an iPhone to experiment, but I believe newer TV's featuring Roku as their smart platform can mirror both iPhone and Android screens with . Airplay should not be the only way to do this. AirPlay is the technology that allows Roku to do mirroring fr...

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If your laptop has a USB-C port that supports charging (Power Delivery) - most Dell laptops from the past 5 years or so do - I would recommend using a power bank that supports that, as it will be the most compatible with other devices and most future-proof. For example this one: https://www.amazon.c...

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TCL is a good budget choice, slightly better value even than Vizio. Many of their TVs have the Roku platform built-in, while other models use Android TV. I recommend Roku TVs for ease of use and responsiveness.

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See this article about companies coming out with Level 2 chargers for the home to match Level 2 charging found on public chargers. https://mashable.com/article/level-2-faster-home-ev-charging/ "Coming out" with Level 2 chargers? They've been out a long time. The whole point of OP's thread...

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See this article about companies coming out with Level 2 chargers for the home to match Level 2 charging found on public chargers. https://mashable.com/article/level-2-faster-home-ev-charging/ "Coming out" with Level 2 chargers? They've been out a long time. The whole point of OP's thread...

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bi-directional charging stations so car battery systems can be used as a power storage device for your home Already exists. Nissan offers it for the LEAF in Japan, requires additional equipment. Hyundai's upcoming Ioniq offers it as well (built-in but much lower capacity I believe). But both vehicl...

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For something high tech like electric charged vehicles, I would wait until I actually was going to purchase one before doing anything to an existing garage structure. Technology, charging methods and charging locations are likely to change many times in the next five years. I hear this kind of talk...

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The problem could be you are using "too" new a version of the browser. Chrome, for example, automatically updates on its own. If yours updated to version 89, and TSP hasn't added that to its approved list, then you could have problems until TSP catches up.

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Start with new speakers — https://www.bowerswilkins.com/home-audio/800-series Starting at $4K/pair - for passive speakers only, no source and no amplification. The 800 series was legendary. They are still good speakers, but there are now far more competitors in that price range. They do also make t...

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Start with new speakers — https://www.bowerswilkins.com/home-audio/800-series Starting at $4K/pair - for passive speakers only, no source and no amplification. The 800 series was legendary. They are still good speakers, but there are now far more competitors in that price range. They do also make t...

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Sonos is very good in my experience - easy to use, reliable, surprisingly good sound quality even from my $300 One SL speakers. Add a Sub for something approaching audiophile sound, or go with a pair of Fives ($1K). If willing to go higher still, the KEF LS50 Wireless II ($2500) is probably the best...

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Nespresso has machines in all price ranges. They do, but it's kind of pointless to pay more. They all make the exact same coffee. The fancier ones have built-in milk foamers, but the bundles of one of the cheaper machines plus an Aeroccino are generally a better value. Around Black Friday you can t...

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Consider a Nespresso machine. You can buy stainless steel reusable pods like Sealpods which cut down on environmental waste. They're the Razor and blades model. In the long run, you're paying way more, and we haven't begun to talk about coffee quality. Well, if you are buying reusable pods then you...

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My wife and I are both state workers and are "expected" to have a combined pension of $170K a year once retired and plan to live on this amount. ... The 401K's should be worth well into the 7 figures barring anything crazy happening. Agree with those who say this is counting the chickens ...

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Who are the inheritors? With no children or spouse, who would accuse you? I manage for my aunt, also single and no children. I have everything down to two accounts. One checking and everything else in Vanguard LifeStrategy Conservative (20/80). She is 87 and lives in assisted living. Total NW about...

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Thanks. I have only been on the freeway about 5 times so I guess I will have them change the oil and balance the tires. I doubt balancing is necessary unless it's been sitting for very long (like over a month) without moving. And does your instrument cluster have a menu that tells you estimated oil...

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Just a thought this happened to a colleague. The 403b contribution is the date it comes out of paycheck. So if a Dec 31, 2020 paycheck deducts 3,000 then it is a tax year 2020 contribution. It’ll get deposited to your 403b likely a few days or week later in January 2021 but it’s a 2020 tax year con...

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Do I need yo keep track myself of how much i contribute to roth ira per year (and tell my accountant)... or do I get some form that lists this info (and Give that to my accountant)? Every year your Roth IRA custodian will produce a form 5498 showing how much you contributed. It's generally availabl...

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Is there something different between the iPhone 6 and iPhone 6s? My 6s is current, just updated to iOS 14.4.1. Not sure why the 6 would have stopped receiving updates so far back I explained here: https://www.bogleheads.org/forum/viewtopic.php?p=5891681#p5891681 BTW your 6S is likely to be dropped ...

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If they're not able to cancel before shipping, you can still decline delivery, by either telling the carrier who brings it to your door, or if they just leave it there, by taking it back to the carrier unopened. (You may need to do this at the FedEx or UPS "Customer Center," not the more n...

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If Mint/T-Mobile doesn't work well for you, Red Pocket is generally the cheapest way to get Verizon or AT&T for moderate data users. For example 1GB/mo is $8.25/mo, 3GB is $15, if you buy a year. That's a much better value than Tracfone's 1GB/mo plan ($20). Could be. But a quick check of reddit...

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f you're on a prepaid plan like Mint Mobile, you can buy a new SE2 (locked to them) for $400 (no trade-in so you can lower the out of pocket cost by selling your current phone and they have some modest service deals as well -- $15/month x 24 months). Tracfone is offering the SE2 for $200 with servi...

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Glad your 6 is still working, but even back in 2015 or 2016, when I started using a 6S and a 6 side-by-side, the difference in responsiveness was very noticeable (much more than the boost from any subsequent generation, or even multiple generations). The 6S brought a much faster processor, doubled t...

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My 457 plan added several funds this year. I’ve been invested 100% in VINIX. There is a Lifepath Target fund but it 55% domestic and 40% international. That international seems too high to me. Vanguard’s total international index is also there now (VTPSX), as is the Vanguard Extended Index (VEXAX),...

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Not to highjack the OPs thread, but for you experts on Lenovo: Costco currently has the S540 for $550, with an i5-10210U, 16GB of memory, and a 512GB SSD. I don't see that model on the Lenovo site, but they have one with the same model number with an i7-10210U, 8GB of memory, and a 256GB SSD for $7...

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