Search found 1349 matches

by MishkaWorries
Sun Mar 24, 2024 7:40 pm
Forum: Personal Consumer Issues
Topic: Liability risks when giving away household items?
Replies: 2
Views: 528

Re: Liability risks when giving away household items?

How about Goodwill or St Paul? The items go to go use and no risk of being sued since do actions are anonymous.
by MishkaWorries
Sat Mar 23, 2024 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Abode, or Domicile, or Statutory Residency, Or.....?
Replies: 46
Views: 2120

Re: Abode, or Domicile, or Statutory Residency, Or.....?

With the new information about the LTCG on the Georgia home it's now clear you need to discuss all this with an attorney or attorneys. You tried to game the system by prematurely declaring South Carolina as you primary residence so you could avoid paying a few thousand dollars of real estate taxes on a second home. Now you're talking about switching you residence back to Georgia to try to capture the tax break on primary home sells. This may open you to charges of fraud by either Georgia or South Carolina. Hire an attorney to figure out the residency in such a way as to avoid criminal liability. This response is completely over the top and uncalled for. There's no reason he can't be a resident of and domiciled in South Carolina and still q...
by MishkaWorries
Sat Mar 23, 2024 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Abode, or Domicile, or Statutory Residency, Or.....?
Replies: 46
Views: 2120

Re: Abode, or Domicile, or Statutory Residency, Or.....?

I think you've put yourself in an awkward position. You've been domiciled in GA for many years but 3 years ago you declared to SC that your SC home had become your primary residence, in order to reduce your SC property tax, and filed as an SC resident for 2 years. But you never followed through with actually "relocating" from GA to SC. So GA has a good argument that you never gave up your GA domicile. And SC has an argument that you became a SC resident 3 years ago. Yes. Exactly. That is an extremely accurate summation of the current situation we've created for ourselves. . For 2023 you are certainly a GA resident for tax purposes, either as a GA domiciliary or because you spent more than 183 days in GA during the year. And SC mi...
by MishkaWorries
Sat Mar 23, 2024 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Any downsides to the Fidelity CMA?
Replies: 25
Views: 2031

Re: Any downsides to the Fidelity CMA?

Don't autoroll treasures in an CMA. The settlement account does funny things when a treasury is about to mature and a new one is about to be purchase.
by MishkaWorries
Wed Mar 20, 2024 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Hospital Bill - Negotiation strategies?
Replies: 136
Views: 8567

Re: Hospital Bill - Negotiation strategies?

White Coat Investor wrote: Tue Mar 19, 2024 11:12 pm
Here's an even better strategy. Since they're required to take care of whether you have ID or not, don't take ID to the ED with you. Give them a fake name, phone, and address. You won't even get a bill to negotiate!
This is the type of helpful financial advice we all really appreciate here at Bogleheads! :sharebeer
by MishkaWorries
Mon Mar 18, 2024 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Hospital Bill - Negotiation strategies?
Replies: 136
Views: 8567

Re: Hospital Bill - Negotiation strategies?

Absolutely negotiate! There's no moral issue here*. I recently had a hospital visit and later outpatient surgery. I have a HD plan too. All claims were submitted to my insurance company. All fees negotiated after insurance "discount." I owed the ER about $3,000. I called and asked what can they do to help me pay. They said they stopped offering cash discounts a few years ago. They offered me one year 0% monthly payments and more time to pay if I showed a financial hardship. I owed the outpatient surgery center $6,000. I called and they offered 10% off. I asked for 20% and they said 10% is all they could offer. I've blown through my deductible and out of pocket, so now for the rest of the year, I'm going to do all the medical stuff...
by MishkaWorries
Mon Mar 18, 2024 6:41 pm
Forum: Investing - Theory, News & General
Topic: Which industry will benefit from new real estate commission fee structure?
Replies: 120
Views: 9454

Re: Which industry will benefit from new real estate commission fee structure?

Here's my knee jerk, first impression wild guess that corporate buyers of entry level homes will increase and fewer low income or working class families will be buyers and they'll be renters.

The reason I think this because the cost of buying will increase and price more people out of the market.
by MishkaWorries
Sat Mar 16, 2024 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Am I Only One Who Hates Having Left Over Pennies
Replies: 53
Views: 4496

Re: Am I Only One Who Hates Having Left Over Pennies

michaeljc70 wrote: Sat Mar 16, 2024 7:46 am I have accounts where I get paid a penny or two interest from time to time. I wish I could opt out (maybe it goes to a charity) as it is more effort to record the transaction than it is worth.
Oh, that's a good idea!
by MishkaWorries
Fri Mar 15, 2024 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Am I Only One Who Hates Having Left Over Pennies
Replies: 53
Views: 4496

Re: Am I Only One Who Hates Having Left Over Pennies

brew wrote: Fri Mar 15, 2024 8:20 pm
MishkaWorries wrote: Fri Mar 15, 2024 8:16 pm sell all my VTI shares
You stand to lose far more than one cent on the bid-ask spread if you do this. I presume this is a bit tongue-in-cheek. You'll make it.
Ok. That's an excellent point. I'll have to see what the spread is and decide it it's worth it
by MishkaWorries
Fri Mar 15, 2024 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Am I Only One Who Hates Having Left Over Pennies
Replies: 53
Views: 4496

Re: Am I Only One Who Hates Having Left Over Pennies

veggivet wrote: Fri Mar 15, 2024 8:18 pm Do you get super anxious if you see a picture that is hung just a little bit crooked and can't resist adjusting it so that it is perfectly level? If so, there may be a connection.
Yes. Yes I do. But once it's straight it no longer bothers me :twisted:
by MishkaWorries
Fri Mar 15, 2024 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Am I Only One Who Hates Having Left Over Pennies
Replies: 53
Views: 4496

Am I Only One Who Hates Having Left Over Pennies

I'm consolidating my accounts at Fidelity. I transferred one account from Vanguard that was 100% in VTI. Whole shares were transferred and partial shares liquidated to cash. So far so good.

Today, I bought more VTI with the cash. Now I have $0.01 left in my settlement account. :annoyed

Am I crazy for now wanting to sell all my VTI shares and buy the equivalent Fidelity mutual fund? It's tax advantaged account so no tax consequences.
by MishkaWorries
Fri Mar 15, 2024 7:04 pm
Forum: Investing - Theory, News & General
Topic: Should I Keep Sacrificing or Start Enjoying Myself
Replies: 32
Views: 3768

Re: Should I Keep Sacrificing or Start Enjoying Myself

Charles Joseph wrote: Fri Mar 15, 2024 5:39 pm Relationships are what make life worthwhile.
+100
by MishkaWorries
Fri Mar 15, 2024 6:10 pm
Forum: Personal Consumer Issues
Topic: I will need a new car or repair one
Replies: 46
Views: 2206

Re: I will need a new car or repair one

What year is the vehicle? It isn’t clear whether you bought it new 6 years ago, or it was “pre owned” then. 2019. Bought it new early 2018. Then it is probably worth it to repair the vehicle if you are otherwise happy with it. I’d never knowingly put money into Elon Musk’s pocket, but to each their own. I love the car otherwise but my concern is this 4k bill might just be the beginning. I wish i could do DIY but i am not talented in this stuff. Speaking as a former BMW enthusiast, never own a German car out of warranty unless you enjoy doing DIY repairs. I wouldn't take an BMW to an independent mechanic unless they were experts in imports. But then they charge just about as much as the dealer. I sold my last BMW when I decided I was gettin...
by MishkaWorries
Wed Mar 13, 2024 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab cannot overnight a replacement debit card
Replies: 87
Views: 6414

Re: Charles Schwab cannot overnight a replacement debit card

Anyone know if Fidelity overnights a replacement for a lost or compromised debit card to a foreign address?
by MishkaWorries
Wed Mar 13, 2024 1:58 pm
Forum: Personal Consumer Issues
Topic: Given Haiti Situation, is Dominican Republic safe?
Replies: 49
Views: 32709

Re: Given Haiti Situation, is Dominican Republic safe?

My first trip to the DR was to visit an electronic manufacturing plant in the interior of the country. I was met at the airport with a large vehicle with a mounted gun on top. It was quite different from the usual situation at the various maquiladora plants that I visited in Mexico. I think that any risk related to Haiti is extremely remote. I would be more concerned with street crime should your daughter leave the resort compound. A far greater risk that fathers never want to consider in the immaturity and foolishness of their teenage and twenty something daughters. Too many of these young ladies head to these resorts, become totally inebriated, and are taken advantage by some of the wolves that are laying in wait. Agreed. The daughter ha...
by MishkaWorries
Tue Mar 12, 2024 8:29 pm
Forum: Investing - Theory, News & General
Topic: what does the "11" mean in this video?
Replies: 8
Views: 1235

Re: what does the "11" mean in this video?

windaar wrote: Tue Mar 12, 2024 8:19 pm It's the Nigel Tufnel investing philosophy.
It's one more share, innit?
by MishkaWorries
Sun Mar 10, 2024 4:55 pm
Forum: Personal Investments
Topic: Backdoor IRA with an existing Roth?
Replies: 12
Views: 1135

Re: Backdoor IRA with an existing Roth?

Hi, can I ask a quick question building on this? I think I got the answer in one of the responses above, but just to be sure. I'm also trying to set up a backdoor for the first time. 1. I've rolled all of my existing rollover and traditional IRAs into current employer plans to avoid tax implications. 2. I HAVE an existing Roth IRA. 3. I'm creating a new traditional IRA for the initial contribution. 4. When I roll "backdoor" into the Roth, can I roll into the EXISTING Roth, or does it have to be a new Roth account that would then live next to the existing Roth? Sorry if this is a dumb question, just don't want to get hit with some tax bill later. Thanks. When did you roll over your existing tIRA to your employer? If it was in 2023...
by MishkaWorries
Sun Mar 10, 2024 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Have any of you Frugal Zebras Changed Your (Spending) Stripes?
Replies: 139
Views: 12976

Re: Have any of you Frugal Zebras Changed Your (Spending) Stripes?

And, I'm not sure I ever will be able to pay for first class air, even though I could. Just can't get over paying thousands more for a seat that gets me from point A to point B at the same time as economy. Even on a long overnight flight, although perhaps some day that will change. I am planning a trip to Europe, the approximate cost for a roundtrip economy ticket for my destination in Eastern Europe with one stop (I excluded all itineraries with more than one stop) is $1,400 and business class for the same itinerary is $6,000 per person. For two people that is approximately $3,000 for economy compare to $12,000 for business class. I can afford to pay for business class but I cannot bring myself to pay an extra $9,000 for an 8 hour flight ...
by MishkaWorries
Sat Mar 09, 2024 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Have any of you Frugal Zebras Changed Your (Spending) Stripes?
Replies: 139
Views: 12976

Re: Have any of you Frugal Zebras Changed Your (Spending) Stripes?

We're growing more stripes. As we get closer to retirement, I told my wife we should ease up on our frugal ways and start to buy some luxury.. We have a good retirement planned and funded. These last few years are just gravy. But we seem to be gripping every dollar tighter and tighter. I need a new car but I can't find anything I like. So I'm going to spend on on my old car and hope she lasts until official retirement. My wife needs new earrings and we shop and shop. She likes nothing. I don't know if it's an unconscious fear of spending money when soon we won't have a paycheck or we're just unable to splurge after a lifetime of frugality. I think after a year or two of retirement, and hopefully a fatter wallet than when we retired, we'll l...
by MishkaWorries
Wed Mar 06, 2024 7:32 pm
Forum: Personal Investments
Topic: Transfer from Raymond James to Fidelity
Replies: 5
Views: 843

Re: Transfer from Raymond James to Fidelity

Do to have a Fidelity or Schwab office near you? If so, just print off the latest monthly statement and make an appointment with the local office and they will tell you what funds can transfer in kind and they'll do the transfer for you.

Easy breezy.
by MishkaWorries
Sat Mar 02, 2024 10:21 am
Forum: Personal Consumer Issues
Topic: Lexus Hybrid (Sedan or SUV)
Replies: 52
Views: 5911

Re: Lexus Hybrid (Sedan or SUV)

Selecting a higher-octane rating will result in better performance for any car (not just a Lexus), no? If the octane rating is less than 91, damage to the engine may occur and may void the vehicle warranty. Why did you edit out this part of CenTexans' quote? Do you have any reason to believe the quote is incorrect? No, I believe it is correct, just not actionable. Of course it's actionable. CenTexans' post was most helpful to alleviate confusion, shown by many posters up thread, that Lexus requires premium fuel for these vehicles. Or don't buy one of these Lexus models if you don't want to pay for premium gas. My point is that premium gas is not required, only recommended. That's probably true for all cars. It is required if you don't want...
by MishkaWorries
Sat Mar 02, 2024 9:55 am
Forum: Personal Consumer Issues
Topic: Lexus Hybrid (Sedan or SUV)
Replies: 52
Views: 5911

Re: Lexus Hybrid (Sedan or SUV)

"You must only use unleaded gasoline. Select premium unleaded gasoline with an octane rating of 91 (Research Octane Number 96) or higher required for optimum engine performance and fuel economy. Selecting a higher-octane rating will result in better performance for any car (not just a Lexus), no? If the octane rating is less than 91, damage to the engine may occur and may void the vehicle warranty. Why did you edit out this part of CenTexans' quote? Do you have any reason to believe the quote is incorrect? No, I believe it is correct, just not actionable. Of course it's actionable. CenTexans' post was most helpful to alleviate confusion, shown by many posters up thread, that Lexus requires premium fuel for these vehicles. Or don't buy...
by MishkaWorries
Sat Mar 02, 2024 9:10 am
Forum: Personal Consumer Issues
Topic: Lexus Hybrid (Sedan or SUV)
Replies: 52
Views: 5911

Re: Lexus Hybrid (Sedan or SUV)

mikejuss wrote: Sat Mar 02, 2024 8:30 am
CenTexan wrote: Sat Mar 02, 2024 8:26 am "You must only use unleaded gasoline.
Select premium unleaded gasoline
with an octane rating of 91
(Research Octane Number 96) or
higher required for optimum
engine performance and fuel economy.
Selecting a higher-octane rating will result in better performance for any car (not just a Lexus), no?
If the octane rating is less than
91, damage to the engine may
occur and may void the vehicle warranty.
Why did you edit out this part of CenTexans' quote? Do you have any reason to believe the quote is incorrect?
by MishkaWorries
Fri Mar 01, 2024 6:18 pm
Forum: Personal Investments
Topic: Fidelity pushing deferred annuity
Replies: 20
Views: 2994

Re: Fidelity pushing deferred annuity

Any idea if FXNAX will start paying positive returns? If someone beats you black and blue first, but then applies balm to soothe your wounds, and the doctor's prognosis is that it will take you 6 to 7 years to recover fully .... do you still stick with that person? You have another suitor who also is prone to beating you black and blue occasionally, but afterwards not only applies balm but also showers you with extra gifts much more often ... who do you prefer to stick with? To be fair, the first person did not exhibit the tendency to beat you up in a very long time (30+ years), but now that you KNOW that this person is capable of beating you black and blue just as the other suitor ... do you dismiss that as "recency bias" as som...
by MishkaWorries
Fri Mar 01, 2024 6:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard Announces CEO Retirement and Appointment of President
Replies: 372
Views: 36439

Re: Vanguard Announces CEO Retirement and Appointment of President

Invest4lt wrote: Thu Feb 29, 2024 9:30 pm
MishkaWorries wrote: Thu Feb 29, 2024 9:02 pm
nisiprius wrote: Thu Feb 29, 2024 8:41 pm
MishkaWorries wrote: Thu Feb 29, 2024 8:34 pm The guy looks fairly young and he was CEO for a few short years. Was he forced out?
Wikipedia says: "Born: Mortimer Joseph Buckley 1969 (age 54–55)."
Wow! That is young. Now I'm really curious what happened.
Not really. The average age of CEOs is trending younger. Average age of Fortune 500 CEOs is 57.7

https://www.forbes.com/sites/walterloeb ... af55771e19
That's a shocking number and probably explains a lot. But we're talking about the age of an CEO that "retired" after only six years in that role.
by MishkaWorries
Thu Feb 29, 2024 9:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces CEO Retirement and Appointment of President
Replies: 372
Views: 36439

Re: Vanguard Announces CEO Retirement and Appointment of President

nisiprius wrote: Thu Feb 29, 2024 8:41 pm
MishkaWorries wrote: Thu Feb 29, 2024 8:34 pm The guy looks fairly young and he was CEO for a few short years. Was he forced out?
Wikipedia says: "Born: Mortimer Joseph Buckley 1969 (age 54–55)."
Wow! That is young. Now I'm really curious what happened.
by MishkaWorries
Thu Feb 29, 2024 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Mid-career change to law?
Replies: 127
Views: 11960

Re: Mid-career change to law?

B3GINN3R wrote: Thu Feb 29, 2024 8:24 pm As a relatively happy lawyer, i can tell you that you would be crazy to switch to law. You would be a 45-year-old junior associate, which would just be miserable.
Another relatively happy lawyer here. If you could even get a first year position in Big Law, you'd be making about 1/2 of your salary and working long gruelling hours.

I never advise anyone to go to law school without a plan on what to do after law school.
by MishkaWorries
Thu Feb 29, 2024 8:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces CEO Retirement and Appointment of President
Replies: 372
Views: 36439

Re: Vanguard Announces CEO Retirement and Appointment of President

The guy looks fairly young and he was CEO for a few short years. Was he forced out?
by MishkaWorries
Wed Feb 28, 2024 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: deposit on new car
Replies: 21
Views: 2591

Re: deposit on new car

Please don't put a deposit on a car which hasnt been found yet, or one that you have not yet test-driven. The actual car, not another car of the same make and model. 'Cuz you never know. Are you saying you would require the dealer to located the car, have it shipped to him, then you test drive it - all before you put any money down? Not to answer for samsoes, but that is exactly what we did in 2019 when we bought the wife's Subaru Forester. They were in high demand and the dealer didn't have any on their lot. We told them the options and color we wanted and the dealer went on the computer and found the car. A few days later we went back, test drove and inspected the car and finalized the sale. I guess it was all fairly routine. The dealer ...
by MishkaWorries
Wed Feb 28, 2024 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Contract shall survive the closing, Home purchase FL
Replies: 17
Views: 1676

Re: Contract shall survive the closing, Home purchase FL

Bcdkgf wrote: Wed Feb 28, 2024 2:17 pm Well, our attorney said we can add it to the contract and initial it.
Isn't that answer rather axiomatic? Did the attorney advise you if that language was necessary or helpful in Florida?
by MishkaWorries
Mon Feb 26, 2024 6:50 am
Forum: Personal Finance (Not Investing)
Topic: 24 year old- money problems
Replies: 50
Views: 6495

Re: 24 year old- money problems

Are you on an income based repayment plan for your student loans?
by MishkaWorries
Sun Feb 25, 2024 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE-ing In, Quitting versus Getting FIRE-d - Talking to Boss Tomorrow
Replies: 148
Views: 22993

Re: FIRE-ing In, Quitting versus Getting FIRE-d - Talking to Boss Tomorrow

Why can't the manager say "your resignation is accepted and your request for severance is denied?"
by MishkaWorries
Sun Feb 25, 2024 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: 0% 60 month Car loan in todays 5% Savings Environment
Replies: 43
Views: 4526

Re: 0% 60 month Car loan in todays 5% Savings Environment

Ok Sorry, well said. (What exactly is my question?) What is the ROI on using the 0% loan vs paying in full on day one. I think it is good, and Chat GPT thinks so also, but wondering how best to make that calculation. The numbers from the new AI stuff are just insane, and I don't believe them Money for 0% is from Ford corporate. As a Boglehead, price is based on nationwide search comparing price vs MSRP, and my need for the self driving options. I don't think anybody has answered the question. Benefit of 0% interest loan vs. paying cash is easy to calculate. Let's assume $35,000 loan, 5 years, 0% interest. Let's assume 3.75% interest for next 5 years for simplicity. It's a little trickier when we start assuming interest rates decline. A lot...
by MishkaWorries
Fri Feb 23, 2024 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: 0% 60 month Car loan in todays 5% Savings Environment
Replies: 43
Views: 4526

Re: 0% 60 month Car loan in todays 5% Savings Environment

I'd jump on the manufacturer's 0% for 5 years. I'd put the money in a 5 year CD or MYGA.

Is this a Mazda? I see they have 0% for 60 months. I should probably go look at one.
by MishkaWorries
Tue Feb 20, 2024 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Per stirpes and Vanguard (one more time)
Replies: 83
Views: 5567

Re: Per stirpes and Vanguard (one more time)

I think the OP confused the issue by stating the individual was a step-child. It could be anyone, like a siblings, or friend, etc. They are not trying to include step-children in the lineage. They are trying to name a step-child as the beneficiary, and have the step-child's children inherit in case the step-child has passed. Should be pretty straight forward, and as mentioned above supported by all the other major brokerage. Right... I think this is part of the problem. I certainly thought OP wanted to include step children as part of the "per stirpes" group (sorry if I'm using incorrect terminology here). So I was focused on the wrong problem. So a relevant question is: Can "per stirpes" be used to designated the linea...
by MishkaWorries
Tue Feb 20, 2024 9:39 am
Forum: Personal Investments
Topic: Has anyone invested in marijuana stocks?
Replies: 91
Views: 12836

Re: Has anyone invested in marijuana stocks?

This is a sector with which I have an unfortunate degree of experience. If OP did go through with it, I hope they sold out before the crash. I had a number of very positive exits in the space which were made in the 2018/2019 time frame and liquidated prior to the 2021/2022 crash. However, too many of my positions were illiquid, and I got to watch them go up 300-500%+ and then crash back to earth (not fun). While I'm not investing more at this time due to being overexposed as-is, I do think there's significant upside in the sector. Capital flows have been anemic for the last few years, and values have been crushed. This is exacerbated by 280E which massively increases the tax burden on companies (being federally illegal, they cannot deduct ...
by MishkaWorries
Sun Feb 18, 2024 8:01 am
Forum: Personal Consumer Issues
Topic: Should I get a Lexus ES for its V6?
Replies: 96
Views: 8715

Re: Should I get a Lexus ES for its V6?

Now that I have a long commute , I too was expecting to buy an ES350 to replace my Prius. When I went to test drive it, I was disappointed that getting in and out was not easy. I'm 6'1", average weight and 60 years old. The car sits really low to the ground and the roof line is low too. Getting in and out was not comfortable. I keep cars for about 10 years so I'm thinking it will not be a good fit when I'm 70. The UX250 was very disappointing. Nothing Lexus like about it. NX350 was fine but I don't really care for SUVs. The RX350 was a slight step up from the NX. Not sure if it's worth the extra money. I looked at the Toyota Crown. Strange looking. But it sits higher up so easier to get into a d out of. It's also a hybrid. But price is...
by MishkaWorries
Sat Feb 17, 2024 9:29 am
Forum: Personal Consumer Issues
Topic: How to get my road paved
Replies: 77
Views: 6051

Re: How to get my road paved

As for OP, contact your most local representative, such as city council, county commissioner, etc) and have them help you navigate the bureaucracy. They will know who is responsible for the road and they will know whom to contact. Then contact that person and get an understanding of what the process is to get your road repaired.

Don't be the local crank writing every office holder. You will get ignored.

Talk to your neighbors and enlist their support.

And SLOW DOWN! It sounds crazy to me you are damaging your own vehicles.
by MishkaWorries
Sat Feb 17, 2024 9:15 am
Forum: Personal Consumer Issues
Topic: How to get my road paved
Replies: 77
Views: 6051

Re: How to get my road paved

White Coat Investor wrote: Sat Feb 17, 2024 8:38 am
YeahBuddy wrote: Sat Feb 17, 2024 6:35 am It's a very short road
Pave it yourself and see what happens. I doubt they'd rip it out and they'd probably even maintain it going forward. You might even be able to get your neighbors to chip in a few bucks to help.
Never take legal advice from a doctor. Nor medical advice from a lawyer.
by MishkaWorries
Fri Feb 16, 2024 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: 14%+ Used Car Loan
Replies: 44
Views: 3544

Re: 14%+ Used Car Loan

Terrible idea to buy a car with credit at this point. It appears OP's son just graduated from college and joined the military. We don't know which branch. No mention of a wife or kid.

Is the son living on base? If not why not. Why does the kid think he needs a car right now? Much better course of action is to live on base while young and unattached and save your money. After a couple of years living on base, reevaluate future plans.
by MishkaWorries
Wed Feb 14, 2024 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Is my CPA nickel and diming me?
Replies: 18
Views: 2967

Re: Is my CPA nickel and diming me?

TBX831 wrote: Wed Feb 14, 2024 5:15 pm I’m not particularly thrilled with our current CPA due to late filings more than once,
That by itself should be enough to look for a new CPA. Why are you worrying about the style of the bill when they are not providing proper service?
by MishkaWorries
Tue Feb 13, 2024 9:18 pm
Forum: Personal Consumer Issues
Topic: Hybrid Car - Cost Savings?
Replies: 68
Views: 7073

Re: Hybrid Car - Cost Savings?

EVs were recently in the news because they were having issues in frigid weather. Do weather conditions apply at all to a hybrid, or does the gas engine simply take over if the battery is low? Ugh, this again. EVs were not "having issues in frigid weather." There were people who were not prepared for the battery needing to warm up before being able to accept the fastest charge. This was an issue only if you left your vehicle out in the cold, AND needed to go a long distance using DC fast charging, AND didn't have enough charge to drive the half hour or so it would take the battery to warm up. All complete non-issues for hybrids, which don't do DC fast charging. Also, in Norway, with far harsher winters than much of the U.S., over ...
by MishkaWorries
Mon Feb 12, 2024 8:39 pm
Forum: Investing - Theory, News & General
Topic: Just for fun, what single stock do you think will see huge growth
Replies: 174
Views: 27745

Re: Just for fun, what single stock do you think will see huge growth

AnnetteLouisan wrote: Sat Aug 26, 2023 5:56 pm The whole point of this site is that it doesn’t matter. You’ll benefit because you buy the index.
Every year this site does an S&P500 and a hedge fund contests. Why not this topic?
by MishkaWorries
Sun Feb 11, 2024 1:04 pm
Forum: Personal Consumer Issues
Topic: Supermarket pizza - any good ones? Any great ones?
Replies: 174
Views: 16182

Re: Supermarket pizza - any good ones? Any great ones?

We're not pizza buffs so we always keep a few frozen pizzas in the freezer for a quick dinner.

We like Screaming Sicilian since they are pretty generous with the toppings. If you have Kroger, try their Private Selection brand pizzas. We like the goat cheese, mushroom and truffle oil and eggplant pizzas. Their pepperoni and jalapeno is good too.
by MishkaWorries
Sun Feb 11, 2024 12:23 am
Forum: Investing - Theory, News & General
Topic: Now that long TIPS yields are 60 bp off their highs I will…
Replies: 2949
Views: 623029

Re: Now that long TIPS yields are 60 bp off their highs I will…

Looks to me the I think there are two opposing forces here (correct me if I am wrong): 1. Interest rates have likely reached or are near their highs, inflation is probably pretty much under control, and the Fed. plans to start cutting rates this year- this suggests a tendency towards declining TIPS yields going forward. 2. The USA still has a massive amount of debt that it needs to sell off, and that should not resolve any time soon. This could account for persistent high yields in years to come. So, the bottom line is, it is difficult to predict the future of TIPS yields. I'm not understanding number 2. If there is large amount of debt that needs to paid off, wouldn't that indicate a desire by the government or Fed to lower interest rates...
by MishkaWorries
Sat Feb 10, 2024 11:52 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on Investing in Russia
Replies: 11
Views: 1998

Re: Reporter doing story on Investing in Russia

Bloomberg journalist Patrick Sykes is looking into retail investors' experiences of investing in Russia. If you'd be open to sharing your experience anonymously, please let him know. Email: psykes5@bloomberg.net LinkedIn: https://www.linkedin.com/in/patrick-sykes/ Bloomberg bio page: https://www.bloomberg.com/authors/AUpqNrs7eAk/patrick-sykes --------------------------------------------------------------- When contacting someone in the media, please be mindful that members are posting here anonymously. Providing your Bogleheads username to a reporter will remove that anonymity. Sensitive financial information posted here can then be linked with your username and possibly real name published in the media. To keep your privacy, please don't ...
by MishkaWorries
Sun Jan 28, 2024 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Help me calculate value of pension/differentiate $ between jobs
Replies: 20
Views: 1824

Re: Help me calculate value of pension/differentiate $ between jobs

Sam_957 wrote: Sun Jan 28, 2024 7:55 pm 400k is a lot of money, but how’s the job security?
What additional demands would the 400k carry? 50-60 hours a week? More stress?
I was wondering that as well. If the $400,000 job goes away, how easy would it be to get another job a that rate?
by MishkaWorries
Sun Jan 21, 2024 9:30 pm
Forum: Personal Consumer Issues
Topic: Another Amazon Prime Stage of Evolution - Delivery
Replies: 76
Views: 7802

Re: Another Amazon Prime Stage of Evolution - Delivery

We dropped Prime about a year ago. We just order when we have $35 worth of items and get free regular shipping. Almost always we get our packages in 2-3 days.

Twice we've been given free Prime membership for 30 days. We almost always got our packages 2-3 days. We'll not go back to Prime.
by MishkaWorries
Sun Jan 21, 2024 9:23 pm
Forum: Personal Consumer Issues
Topic: Lots of white exhaust smoke after oil change
Replies: 22
Views: 2906

Re: Lots of white exhaust smoke after oil change

After adding additive to the oil and gas tank, and running the engine and driving at a higher speed on the freeway, I'd already noticed that the amount and length of exhaust was decreasing each morning. By the next day, there was hardly any white smoke at all. And the following two days, none was visible. It sounds like Tony the Mechanic did an Italian tune-up! My father was a Tony who came to the United States from Italy. He was such an excellent car mechanic that when he'd come home at 2:30 from his secure job (utility company) there'd frequently be three cars lined up in front of our house for him to work on because he was far cheaper and did better work than taking your car to a garage. Bless him for all he did to build this great coun...
by MishkaWorries
Sun Jan 21, 2024 7:44 pm
Forum: Personal Consumer Issues
Topic: Lots of white exhaust smoke after oil change
Replies: 22
Views: 2906

Re: Lots of white exhaust smoke after oil change

Jazztonight wrote: Sun Jan 21, 2024 4:00 pm
After adding additive to the oil and gas tank, and running the engine and driving at a higher speed on the freeway,

I'd already noticed that the amount and length of exhaust was decreasing each morning.

By the next day, there was hardly any white smoke at all. And the following two days, none was visible.
It sounds like Tony the Mechanic did an Italian tune-up!