Search found 863 matches

by gwe67
Fri Jun 11, 2021 5:12 pm
Forum: Personal Consumer Issues
Topic: Anchorage car rental
Replies: 9
Views: 825

Re: Anchorage car rental

I wouldn't dare go all the way to Alaska and be reliant on Turo working out.
by gwe67
Fri Jun 11, 2021 3:53 pm
Forum: Personal Consumer Issues
Topic: Move from Chicago to Phoenix?
Replies: 43
Views: 3365

Re: Move from Chicago to Phoenix?

PHX pizza sucks.
by gwe67
Fri Jun 11, 2021 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Naming testamentary trust as beneficiary - Vanguard
Replies: 11
Views: 570

Re: Naming testamentary trust as beneficiary - Vanguard

... if for example, I created the "Smith Family Trust" in Ohio, would this be a problem considering that there probably is already a trust of that name? No. Yours would be the Smith Family Trust under the Will of John Smith, or the Smith Family Trust under trust agreement dated July 11, 2...
by gwe67
Fri Jun 11, 2021 2:07 pm
Forum: Personal Consumer Issues
Topic: new computer? Apple desktop?
Replies: 57
Views: 4000

Re: new computer? Apple desktop?

Apple is running a RAM scam, gouging customers for what should be inexpensive RAM upgrades. May 30, 2020, "Apple today doubled the price for upgrading the RAM on the entry-level 13-inch MacBook Pro, with customers in the United States now being charged $200 to move from 8GB to 16GB compared to...
by gwe67
Fri Jun 11, 2021 1:19 pm
Forum: Personal Consumer Issues
Topic: new computer? Apple desktop?
Replies: 57
Views: 4000

Re: new computer? Apple desktop?

I prefer a laptop & docking station with a large screen attached & keyboard attached. That way I can take my computer with me when I travel. Exactly. Even if you are completely homebound, wouldn't you want to be able to take the computer to another room or maybe outside? Not many people sho...
by gwe67
Fri Jun 11, 2021 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Naming testamentary trust as beneficiary - Vanguard
Replies: 11
Views: 570

Re: Naming testamentary trust as beneficiary - Vanguard

Are trusts required to have unique names? You need some way to tell them apart. George Foreman named all of his sons George but they're known as George Jr., George III, George IV, George V and George VI: https://en.wikipedia.org/wiki/George_Foreman#Personal_life. If you have a John Smith Trust unde...
by gwe67
Fri Jun 11, 2021 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Naming testamentary trust as beneficiary - Vanguard
Replies: 11
Views: 570

Re: Naming testamentary trust as beneficiary - Vanguard

Are trusts required to have unique names?
by gwe67
Thu Jun 10, 2021 7:24 pm
Forum: Personal Consumer Issues
Topic: Idea: Buying a Car for Short-term rental and then Re-sell?
Replies: 29
Views: 1911

Re: Idea: Buying a Car for Short-term rental and then Re-sell?

pick-up is 7/6/2021, 5:30pm... drop-off is 8/6/2021, 5:30pm. waiving the insurance from the Car Rental company to use my credit card insurance (Chase), but noticed a clause "Vehicle rental periods that do not exceed nor intend to exceed 31 consecutive days" Perhaps, I'm taking this litera...
by gwe67
Thu Jun 10, 2021 7:14 pm
Forum: Personal Consumer Issues
Topic: Idea: Buying a Car for Short-term rental and then Re-sell?
Replies: 29
Views: 1911

Re: Idea: Buying a Car for Short-term rental and then Re-sell?

pick-up is 7/6/2021, 5:30pm... drop-off is 8/6/2021, 5:30pm. waiving the insurance from the Car Rental company to use my credit card insurance (Chase), but noticed a clause "Vehicle rental periods that do not exceed nor intend to exceed 31 consecutive days" Perhaps, I'm taking this litera...
by gwe67
Thu Jun 10, 2021 7:11 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4730
Views: 249686

Re: [GameStop GME trading mega-thread]

The chatter sure does die down when there's a 20% drop...IN ONE DAY. The true value (pre price pump) of this stonk is probably around $5 a share. If you bought above this level, you are truly gambling. https://i.imgur.com/0q3J0s4.png You guys keep saying $5, and yet I keep flipping GME and buying f...
by gwe67
Thu Jun 10, 2021 6:08 pm
Forum: Investing - Theory, News & General
Topic: Question About Retiring in 1966
Replies: 81
Views: 6680

Re: Retiring in 1966 on 2% SWR

I believe you have asked this question before.

Question About Retiring in 1966
viewtopic.php?t=344094
by gwe67
Thu Jun 10, 2021 6:01 pm
Forum: Investing - Theory, News & General
Topic: Why so many funds in one account
Replies: 45
Views: 2372

Re: Why so many funds in one account

Partial list showing why your "advisor" had you allocated this way: BUYWX - Main BuyWrite Fund Class I Shares, a mix of about 13% non-US and 87% US large-cap equity, ER 1.35% - turnover 95% (each 100% of turnover adds another 1.0% to the total expense, so call it an effective 2.3% ER) CPX...
by gwe67
Thu Jun 10, 2021 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Eviction Process?
Replies: 17
Views: 1190

Re: Eviction Process?

Sounds easier than index investing.
by gwe67
Thu Jun 10, 2021 2:34 pm
Forum: Investing - Theory, News & General
Topic: Why so many funds in one account
Replies: 45
Views: 2372

Re: Why so many funds in one account

Here is why:

If the advisor had put you in a single target date fund, then you would have questioned, "Why do I need to pay for this advice?"
by gwe67
Thu Jun 10, 2021 2:26 pm
Forum: Personal Consumer Issues
Topic: Elder care robotics
Replies: 34
Views: 2107

Re: Elder care robotics

30 years ago, people thought flying cars would be prevalent, did you invest then? Investment philosophy these days is like what major league baseball has become....a few home runs but mostly strikeouts. Those never existed. These do. Sure they did. And the support and expectations for the idea was ...
by gwe67
Thu Jun 10, 2021 1:55 pm
Forum: Personal Consumer Issues
Topic: Elder care robotics
Replies: 34
Views: 2107

Re: Elder care robotics

30 years ago, people thought flying cars would be prevalent, did you invest then?

Investment philosophy these days is like what major league baseball has become....a few home runs but mostly strikeouts.
by gwe67
Thu Jun 10, 2021 1:16 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4730
Views: 249686

Re: [GameStop GME trading mega-thread]

The chatter sure does die down when there's a 20% drop...IN ONE DAY.

The true value (pre price pump) of this stonk is probably around $5 a share. If you bought above this level, you are truly gambling.

Image
by gwe67
Thu Jun 10, 2021 11:25 am
Forum: Personal Investments
Topic: Any reason to hold on to bonds now???
Replies: 47
Views: 4891

Re: Any reason to hold on to bonds now???

Do whatever your IPS says.

Sure are a lot of Nervous Nellie's posting about inflation and bonds lately.
by gwe67
Wed Jun 09, 2021 6:46 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 689
Views: 61600

Re: What is your asset allocation and age, are you retired?

54, retired, 2 pensions, 2 SS at 62/70, see AA below.
by gwe67
Wed Jun 09, 2021 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon prime card 6/21-6/22
Replies: 4
Views: 951

Re: Amazon prime card 6/21-6/22

You can just use the Amazon Chase VISA and get 5% cash back all year.
by gwe67
Wed Jun 09, 2021 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Can any of you guys open this?
Replies: 3
Views: 906

Re: Can any of you guys open this?

Get ready for the posts showing how to bypass the paywall....
by gwe67
Wed Jun 09, 2021 5:03 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin allocation
Replies: 10
Views: 643

Re: Bitcoin allocation

Bye-bye.
by gwe67
Wed Jun 09, 2021 4:55 pm
Forum: Personal Consumer Issues
Topic: new computer? Apple desktop?
Replies: 57
Views: 4000

Re: new computer? Apple desktop?

I prefer a laptop & docking station with a large screen attached & keyboard attached. That way I can take my computer with me when I travel. Exactly. Even if you are completely homebound, wouldn't you want to be able to take the computer to another room or maybe outside? Not many people sho...
by gwe67
Wed Jun 09, 2021 3:29 pm
Forum: Personal Consumer Issues
Topic: Idea: Buying a Car for Short-term rental and then Re-sell?
Replies: 29
Views: 1911

Re: Idea: Buying a Car for Short-term rental and then Re-sell?

Carmax gives you 30 days to return a purchased vehicle. I don't know what taxes/fees you might be out if you did this. Also don't know what tax rate your state uses for vehicle sales. You aren't really suggesting that the OP do this, are you???? Wow. Is that illegal? OP may like the vehicle so much...
by gwe67
Wed Jun 09, 2021 2:48 pm
Forum: Personal Investments
Topic: Wanted to do 4 fund...but is 3 just fine? anything missing?
Replies: 15
Views: 1578

Re: Wanted to do 4 fund...but is 3 just fine? anything missing?

This is Vanguard's suggestion:

Image

and:

Image

Some people (me) think that non-US bonds are unnecessary. Including a REIT is redundant.
by gwe67
Wed Jun 09, 2021 1:28 pm
Forum: Personal Consumer Issues
Topic: Idea: Buying a Car for Short-term rental and then Re-sell?
Replies: 29
Views: 1911

Re: Idea: Buying a Car for Short-term rental and then Re-sell?

Carmax gives you 30 days to return a purchased vehicle. I don't know what taxes/fees you might be out if you did this. Also don't know what tax rate your state uses for vehicle sales.
by gwe67
Tue Jun 08, 2021 2:57 pm
Forum: Personal Consumer Issues
Topic: Rental Car Driver Not Authorized
Replies: 41
Views: 17351

Re: Rental Car Driver Not Authorized

snackdog wrote: Tue Jun 08, 2021 2:17 pm USAA requires “express or implied permission” to operate the vehicle in order to qualify for liability. Could be an expensive mistake if your wife maims a surgeon.
This topic ended six years ago, FYI.
by gwe67
Mon Jun 07, 2021 8:51 pm
Forum: Personal Consumer Issues
Topic: When did cars start good safety features?
Replies: 89
Views: 4830

Re: When did cars start good safety features?

The most important safety feature is yet to come...when humans can no longer operate vehicles. Crash rates will drop to near nothing. Congestion will drop tremendously. Fuel efficiency will increase. Emissions and noise will decrease.

And we can all check Bogleheads as the robots drive us around.
by gwe67
Mon Jun 07, 2021 10:03 am
Forum: Personal Investments
Topic: Vanguard mistake?
Replies: 14
Views: 1044

Re: Vanguard mistake?

Don't call them. They are overloaded with unnecessary calls. Even if you were shorted $2, it wouldn't be worth an hour of your time trying to resolve. And there is almost certainly no error anyway.
by gwe67
Sun Jun 06, 2021 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: [Unable to get Equifax report online]
Replies: 35
Views: 3400

Re: Screwed again by Equifax

I haven't been able to get a credit report from Equifax either. Not on-line, nor by phone or mail; they just ignore my requests. I'd be grateful if anyone had a solution. No personal experience, but Google tells me that the CFPB regulates the credit bureaus. https://complaint.consumerfinance.gov/su...
by gwe67
Sun Jun 06, 2021 9:06 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on a hotel per night on a family vacation?
Replies: 104
Views: 8739

Re: How much do you spend on a hotel per night on a family vacation?

Toons wrote: Sun Jun 06, 2021 2:17 pm Nothing
We sleep in a van,
Although the van did cost
six figures

:mrgreen: :mrgreen:
With a little modification, this would make a lovely haiku.
by gwe67
Sun Jun 06, 2021 8:45 pm
Forum: Personal Consumer Issues
Topic: Hacking
Replies: 22
Views: 2224

Re: Hacking

Does she have a relative who is an addict? Anyway, I would advise that she borrow a trusted friend's device and set up new security questions, using fake answers.
by gwe67
Sun Jun 06, 2021 8:41 pm
Forum: Investing - Theory, News & General
Topic: Single-stock storytelling: unimportant to indexers
Replies: 19
Views: 2116

Re: Single-stock storytelling: unimportant to indexers

If something the size of Tesla went under, I think there would be a much larger ripple effect than a loss of 1.3% to the total U.S. market. When the Greek economy was in dire straits, the headlines every day were saying that stocks are down due to Greece. And yet the Greek GDP was at the time less t...
by gwe67
Sun Jun 06, 2021 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Data Breach -> Title Insurance company sent my SSN and Bank account details to a wrong email
Replies: 20
Views: 1922

Re: Data Breach -> Title Insurance company sent my SSN and Bank account details to a wrong email

About 35 years ago, all of that info was included on my checks. Even the SSN and driver's license number!
by gwe67
Sun Jun 06, 2021 9:57 am
Forum: Personal Consumer Issues
Topic: How much do you spend on a hotel per night on a family vacation?
Replies: 104
Views: 8739

Re: How much do you spend on a hotel per night on a family vacation?

Depends on whether the hotel is a destination itself (resort) or just a one-night stand while heading to the destination.
by gwe67
Sun Jun 06, 2021 9:49 am
Forum: Investing - Theory, News & General
Topic: Jump in or Dollar Cost Ave?
Replies: 17
Views: 1305

Re: Jump in or Dollar Cost Ave?

I wouldn't define this as a dollar cost averaging opportunity. It's an exchange.

I also wouldn't agree with you that stocks are lower risk than bonds.
by gwe67
Sun Jun 06, 2021 9:40 am
Forum: Personal Consumer Issues
Topic: Negotiating used car during price surge
Replies: 25
Views: 2343

Re: Negotiating used car during price surge

If they can find someone who is willing to pay more than you, then you are out of luck.
by gwe67
Sat Jun 05, 2021 11:32 am
Forum: Investing - Theory, News & General
Topic: How much cash do you hold in your investment account?
Replies: 86
Views: 8784

Re: How much cash do you hold in your investment account?

Around 40%. Add in CDs, ibonds, MYGAs, stable value fund, and bank accounts and that number is closer to 84%. Every year we say that this is going to be the year when we actually do something with our cash. But the easiest thing to do is to do nothing when you don't know what to do. So here we are ...
by gwe67
Sat Jun 05, 2021 11:17 am
Forum: Personal Finance (Not Investing)
Topic: How do I convince my cousin they are doing OK and not to take unwarranted risk?
Replies: 61
Views: 4222

Re: How do I convince my cousin they are doing OK and not to take unwarranted risk?

You don't convince anyone of anything. Give your opinion, that having 25x to 35x needed annual expenses invested upon retirement is a very safe place to be. Then bring up Javy Baez's base running and let it go. +1. This is a classic: "Javier Báez combines with inept Pirates for one of the most...
by gwe67
Fri Jun 04, 2021 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: What is going on with FIDO - phone wait times
Replies: 20
Views: 2329

Re: What is going on with FIDO - phone wait times

Time for the Fido's to switch back to Vanguard. Except that they are probably stuck in "zero" funds and will have to pay the price to get out....
by gwe67
Fri Jun 04, 2021 1:20 pm
Forum: Personal Consumer Issues
Topic: Where do I go and experience the other America?
Replies: 52
Views: 4573

Re: Where do I go and experience the other America?

Check out Gary, Indiana.
by gwe67
Fri Jun 04, 2021 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: How do I convince my cousin they are doing OK and not to take unwarranted risk?
Replies: 61
Views: 4222

Re: How do I convince my cousin they are doing OK and not to take unwarranted risk?

Aren't you the one who keeps warning about a market crash? Don't be an amateur financial advisor. Just say no.
by gwe67
Fri Jun 04, 2021 11:52 am
Forum: Investing - Theory, News & General
Topic: How many decimal places do the ETF prices really have?
Replies: 5
Views: 585

Re: How many decimal places do the ETF prices really have?

Here is what I saw. I guess it's not unusual to have three decimal places in an ETF price, but the inconsistency of Vanguard seems unusual. They do say "Some prices may be truncated. If your order executes in multiple lots, the price shown represents the average execution price." This is t...
by gwe67
Fri Jun 04, 2021 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Co Landlords on a business property
Replies: 3
Views: 355

Re: Co Landlords on a business property

Shouldn't this be locked, as was:

"Advice in Starting Home Improvement/Repair Business"
viewtopic.php?f=2&t=350450&newpost=6045711

Per moderator, "Business discussion is off-topic for this forum. Topics need to be about personal finance."
by gwe67
Fri Jun 04, 2021 10:57 am
Forum: Investing - Theory, News & General
Topic: How many decimal places do the ETF prices really have?
Replies: 5
Views: 585

How many decimal places do the ETF prices really have?

Occasionally, such as this morning, Vanguard shows ETF prices to three decimal places in the account details. This doesn't happen with mutual fund prices. I don't remember any other site showing ETF prices to three decimal places. When trading ETFs thru Vanguard, the purchase/sale prices are always ...
by gwe67
Fri Jun 04, 2021 10:30 am
Forum: Personal Consumer Issues
Topic: Potential Relocation to Austin - Should We Do It?
Replies: 123
Views: 8573

Re: Potential Relocation to Austin - Should We Do It?

Something else to think about, if you plan to commute. Interstate 35 through Austin in the most congested segment in the state, and 15th most congested in the nation. A huge reconstruction of the highway is approved, and one would expect this to greatly impact traffic for many years during construc...
by gwe67
Fri Jun 04, 2021 9:55 am
Forum: Personal Consumer Issues
Topic: Potential Relocation to Austin - Should We Do It?
Replies: 123
Views: 8573

Re: Potential Relocation to Austin - Should We Do It?

Something else to think about, if you plan to commute. Interstate 35 through Austin in the most congested segment in the state, and 15th most congested in the nation. A huge reconstruction of the highway is approved, and one would expect this to greatly impact traffic for many years during construc...
by gwe67
Fri Jun 04, 2021 9:18 am
Forum: Personal Consumer Issues
Topic: Potential Relocation to Austin - Should We Do It?
Replies: 123
Views: 8573

Re: Potential Relocation to Austin - Should We Do It?

Something else to think about, if you plan to commute. Interstate 35 through Austin in the most congested segment in the state, and 15th most congested in the nation. A huge reconstruction of the highway is approved, and one would expect this to greatly impact traffic for many years during construct...
by gwe67
Thu Jun 03, 2021 1:40 pm
Forum: Personal Consumer Issues
Topic: Potential Relocation to Austin - Should We Do It?
Replies: 123
Views: 8573

Re: Potential Relocation to Austin - Should We Do It?

Property taxes are high. Most of the property taxes go to the school districts. Most of that is spent on football (j/k but it seems like it).

And, no tax rebate even though school districts have seen huge cost savings due to tele-teaching for over a year.