Search found 13008 matches

by Jack FFR1846
Thu Jan 21, 2021 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: RSU Vest Date
Replies: 14
Views: 699

Re: RSU Vest Date

I don't know about your company. Mine uses eTrade. For RSUs that vest on the 15th, I always see them "released" and in my eTrade account at about 7pm on the 16th. If the 15th is in the middle of the weekend, and Monday is a normal business day, I'll see them at 7pm on Tuesday. Other holdin...
by Jack FFR1846
Thu Jan 21, 2021 5:32 pm
Forum: Investing - Theory, News & General
Topic: Where to put some excess cash...not a CD or Money Market!
Replies: 10
Views: 771

Re: Where to put some excess cash...not a CD or Money Market!

High yield savings account.

Otherwise, there is nothing.
by Jack FFR1846
Thu Jan 21, 2021 5:28 pm
Forum: Personal Consumer Issues
Topic: I can’t bring myself to spend as much as my first new car on roller shades
Replies: 34
Views: 1951

Re: I can’t bring myself to spend as much as my first new car on roller shades

My first car was a 1961 Rambler that I bought from my Chemistry teacher for $50 when I was 15. I guess if I had your house, I'd buy some plasti-dip and spray the inside of the windows black so nobody could see in. I live in a very different house. I see no other houses from mine unless it's night an...
by Jack FFR1846
Wed Jan 20, 2021 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Car purchase for college, financing and loan payoff
Replies: 9
Views: 415

Re: Car purchase for college, financing and loan payoff

You're buying your daughter a brand new car for college? I suppose if she's going somewhere like Clarkson where there are as many bears as people, then maybe. Otherwise, look into zip car at her college. My son received a free subscription because of being at the college. He would reserve a car when...
by Jack FFR1846
Wed Jan 20, 2021 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Advice to Avoid/Minimize MA Estate Tax
Replies: 50
Views: 2316

Re: Advice to Avoid/Minimize MA Estate Tax

Does MA not include OOS assets in the overall estate? I am pretty sure WA asks for the value of ALL assets owned, not just the ones in WA. OOS real estate would still be included in the WA estate. I am not sure if one could set up a trust domiciled in the OOS place and own the real estate in that t...
by Jack FFR1846
Wed Jan 20, 2021 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Investment in Mobile Home Park
Replies: 61
Views: 3577

Re: Investment in Mobile Home Park

With Covid, tenants can't be evicted. Is it a case that the current owner can't afford to have a trailer park bringing in zero dollars a month, yet pay property taxes and other expenses? This seems to be a horrible time to become a landlord.
by Jack FFR1846
Wed Jan 20, 2021 7:31 am
Forum: Personal Consumer Issues
Topic: How to buy a boat? (the process)
Replies: 24
Views: 1813

Re: How to buy a boat? (the process)

When I decided that we were going to buy a boat for the family, I went to every boat show within 50 miles. I brought a tape measure. I talked with virtually every dealer displaying boats. I learned the pros and cons of various materials and engines and configurations. I learned that when a boat manu...
by Jack FFR1846
Tue Jan 19, 2021 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: applying for auto financing at CU AND dealership
Replies: 6
Views: 460

Re: applying for auto financing at CU AND dealership

Current Subaru incentives are from SOA (Subaru of America) serviced by Chase. All dealers will offer this financing as it's way better than anything you'll find anywhere. My son bought an STi, which typically is the last model to receive any incentives. Up to 4 years (with a good enough credit score...
by Jack FFR1846
Tue Jan 19, 2021 12:44 pm
Forum: Personal Consumer Issues
Topic: Paging BH Gearheads: Reasonable Net Worth for Exotic
Replies: 152
Views: 13729

Re: Paging BH Gearheads: Reasonable Net Worth for Exotic

Also, if you love the feeling of driving a fast car, you should look into the various forms of high-performance driving and amateur racing. You can get a Spec Miata or various other track-worthy cars for $50k or less, and properly prepared they'll be similar in lap time to all but the highest-end e...
by Jack FFR1846
Tue Jan 19, 2021 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: UL Policy Question
Replies: 7
Views: 241

Re: UL Policy Question

The cost of insurance in a UL policy INCREASES every year. Yes, they reset the cost as if you're Joe off the street. I cashed in mine shortly after finding that from my $390 a year or so payment, the monthly insurance cost was $69. Wait, what? Yes. So the design of a UL policy is that you merrily go...
by Jack FFR1846
Tue Jan 19, 2021 7:22 am
Forum: Personal Consumer Issues
Topic: Buying a Car - TSLA OR Honda
Replies: 59
Views: 5381

Re: Buying a Car - TSLA OR Honda

Why not a Miata? Fun, better on gas, fits better in a garage and parking space.

I mean, with the differences in the cars you're comparing, this isn't all that far off.
by Jack FFR1846
Mon Jan 18, 2021 7:29 pm
Forum: Personal Consumer Issues
Topic: How to deter rodent from chewing wires in car
Replies: 47
Views: 3242

Re: How to deter rodent from chewing wires in car

Come to think of it, I've used everything I've ever heard of. We do have the electronic clicking device. Dryer sheets in the car. Moth balls under the car. Hood open. Remove any engine covers. Inspect regularly and vacuum any sign. And of course the anti freeze in the kitty litter tray under my roll...
by Jack FFR1846
Mon Jan 18, 2021 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: applying for auto financing at CU AND dealership
Replies: 6
Views: 460

Re: applying for auto financing at CU AND dealership

Since my son just bought a new Subaru STi this past Saturday, I'll tell you that you're not going to beat the 0.9% at any credit union. He qualified with no issue with a high 700's credit score. Why would you even consider applying at the CU? 0.9% is up to 4 years. We know that DCU wasn't close with...
by Jack FFR1846
Mon Jan 18, 2021 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Advice to Avoid/Minimize MA Estate Tax
Replies: 50
Views: 2316

Re: Advice to Avoid/Minimize MA Estate Tax

There are a number of things that are not glaringly obvious. If you move to NH or Florida, for example and become residents of that state with all the moving of drivers license, car registration, sell all property in Mass, etc, Mass still has a 5 year look back. My mom is in this quandry, about to m...
by Jack FFR1846
Mon Jan 18, 2021 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Treatment and taxes of old Savings Bonds.
Replies: 3
Views: 312

Re: Treatment and taxes of old Savings Bonds.

We had an aunt of DW recently pass. Part of what was in the safe deposit box was a stack of E bonds (savings bonds). All were in the aunt's mother and father's names. So both had one as owner OR other. The rub is that most are really old. I didn't pay 100% attention going through them, but remember...
by Jack FFR1846
Mon Jan 18, 2021 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Treatment and taxes of old Savings Bonds.
Replies: 3
Views: 312

Treatment and taxes of old Savings Bonds.

We had an aunt of DW recently pass. Part of what was in the safe deposit box was a stack of E bonds (savings bonds). All were in the aunt's mother and father's names. So both had one as owner OR other. The rub is that most are really old. I didn't pay 100% attention going through them, but remember ...
by Jack FFR1846
Mon Jan 18, 2021 2:06 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2021!
Replies: 131
Views: 13693

Re: Roll Call for the Retirement Class of 2021!

MathIsMyWayr wrote: Mon Jan 18, 2021 1:25 pm
Jack FFR1846 wrote: Mon Jan 18, 2021 12:17 pm It's time for me to put my name in here.
.
.
.
So at this point, I'm thinking Fall of 2021 is the most likely time.
Can you see the Pru?
I'd have to go to the back of my property and climb the tallest tree.....then, maybe.
by Jack FFR1846
Mon Jan 18, 2021 12:17 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2021!
Replies: 131
Views: 13693

Re: Roll Call for the Retirement Class of 2021!

It's time for me to put my name in here. No specific date yet. DW has become tired of doing her job (from home). I'm working from home and could continue. With my spread sheet now showing us having 52.09 times spending in liquid assets, I know we can. Tentatively, once Covid is gone, and we can do s...
by Jack FFR1846
Mon Jan 18, 2021 11:42 am
Forum: Personal Investments
Topic: Another mortgage payoff scenario
Replies: 79
Views: 3916

Re: Another mortgage payoff scenario

It is nothing but a risk question. Paying the mortgage saves you a specific amount of money. The end. Putting it in the market RISKs potential underperformance or even loss. The experts are equally emphatic in their opinions which are all over the map. The 2 I follow: Dave Ramsey: "You're putti...
by Jack FFR1846
Mon Jan 18, 2021 9:05 am
Forum: Personal Investments
Topic: Car note ending, saving for next car
Replies: 29
Views: 2698

Re: Car note ending, saving for next car

Suze Orman says to have 8-12 months in an emergency fund. If you want to overlap, buy some US Savings bonds. It's the closest thing to "investing" your emergency fund.
by Jack FFR1846
Mon Jan 18, 2021 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Family support for an artist
Replies: 188
Views: 10513

Re: Family support for an artist

Amazon starts warehouse workers at over $15 an hour. Give him that tip. Likely, it's more than he's pulling in when averaged to per hour. He can be a painter during his time off. If he starts to get a following of buyers who will pay him 6 figures for a painting consistently, then maybe he can do it...
by Jack FFR1846
Sun Jan 17, 2021 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Easiest way to get $1,750 cash and change into an online bank?
Replies: 27
Views: 1877

Re: Easiest way to get $1,750 cash and change into an online bank?

Just to update, Wal Mart Money orders now cost $1 each.
by Jack FFR1846
Sun Jan 17, 2021 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Easiest way to get $1,750 cash and change into an online bank?
Replies: 27
Views: 1877

Re: Easiest way to get $1,750 cash and change into an online bank?

If you're in no big hurry, you could do something like I do. I return cans and bottles and give them change to round it to the next dollar. When I hap pen to be near my credit union's ATM, I go in and feed in all those 1's. I just did this today with 17 ones. If I wanted this to go to my online bank...
by Jack FFR1846
Sun Jan 17, 2021 12:46 pm
Forum: Personal Consumer Issues
Topic: Old Apple iPhone - Worth Replacing Battery?
Replies: 33
Views: 1968

Re: Old Apple iPhone - Worth Replacing Battery?

I bought a "new to me" first gen SE after attempting a battery swap myself in my 5s. Something didn't work and the phone is toast. But the kit was only $14 on Amazon, so live and learn. I do also have a couple external batteries I've come across in my eScrap hobby. Next time the battery go...
by Jack FFR1846
Sun Jan 17, 2021 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Tradeline selling - is this a real thing??
Replies: 24
Views: 2536

Re: Tradeline selling - is this a real thing??

I do.

Go to the MMM thread. It'll give you more info. They've also vetted 2 companies, which is super important.

I'd say I average maybe $5k a year.
by Jack FFR1846
Sun Jan 17, 2021 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Should I co-sign mom’s mortgage?
Replies: 28
Views: 2499

Re: Should I co-sign mom’s mortgage?

Why do you think her buying a co-op is better than renting? It isn't. Just stop. If you insist on this, my prediction is that she won't be able to pay both co-op ongoing fees and the mortgage, so enjoy your new mortgage payments. At her death, your sister will get at least half the equity (that you ...
by Jack FFR1846
Sat Jan 16, 2021 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Leaving FA - had the convo, could use some support!
Replies: 32
Views: 2750

Re: Leaving FA - had the convo, could use some support!

Complicated?

You call up Schwab and tell them "Go".

I suppose doing absolutely nothing and having eTrade merging in might be easier. I mean.....if saying "Go" is hard and difficult. shrug
by Jack FFR1846
Sat Jan 16, 2021 9:28 am
Forum: Personal Consumer Issues
Topic: Simple but fun cars
Replies: 57
Views: 4107

Re: Simple but fun cars

Fiat 124 Spyder. Get it before they are all gone. 2020 was the last year. Similar to the Miata but I think the styling is better. I don't think "similar" is the right word.... Mazda put Fiat badges on them and some minor trim changes and some more $ to buy. Different bodywork. Fiat engine...
by Jack FFR1846
Fri Jan 15, 2021 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with gold coins? Help me decide.
Replies: 44
Views: 3081

Re: What to do with gold coins? Help me decide.

When bitcoin was new, my older son and a friend started mining them. It was much easier back then and they mined some fraction of a bitcoin. The wallet resides on a hard drive. At this point, the hard drive is in my son's room. Along with about 10 other hard drives. Nobody remembers the password. Or...
by Jack FFR1846
Fri Jan 15, 2021 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Property taxes - Did I cause more harm than good?
Replies: 18
Views: 1677

Re: Property taxes - Did I cause more harm than good?

Is this how abatements are done where you live? You go in and argue with some town official? I've done abatements for both property tax and to get back parts of exise tax on cars sold. In all cases, I had to provide evidence of my claim. I have won every case. For the house, I gather recent sales of...
by Jack FFR1846
Fri Jan 15, 2021 4:50 pm
Forum: Personal Consumer Issues
Topic: How to deter rodent from chewing wires in car
Replies: 47
Views: 3242

Re: How to deter rodent from chewing wires in car

Don't buy a Toyota. They use soy based insulation with is a very green thing to do because.......animals can eat it and it won't hurt them. Get the kids' crap out of the garage and put the car in there. I use a kitty litter tray under my rolling tool chest. Big animals can't get in but something lik...
by Jack FFR1846
Fri Jan 15, 2021 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Consulting work/Side Gig....help with reporting and taxes
Replies: 4
Views: 228

Re: Consulting work/Side Gig....help with reporting and taxes

As far as the taxes, so long as the IRS sees it coming as you're earning, they really don't care how. I set my exemptions on my W4 to with hold as much as possible as if I were single. Then I have another $100 per pay period with held. Last year, I also sent in quarterly estimated taxes but that res...
by Jack FFR1846
Fri Jan 15, 2021 2:15 pm
Forum: Personal Consumer Issues
Topic: Simple but fun cars
Replies: 57
Views: 4107

Re: Simple but fun cars

You can build a kit car for far less than a new Miata or BRZ/FRS/86. I built my factory five Cobra initially for $17,000. I improved it over the years, including replacing the engine with a 5000 mile explorer one, Halibrand style wheels, chrome roll bar and some engine mods. I ended up with about $2...
by Jack FFR1846
Fri Jan 15, 2021 11:06 am
Forum: Investing - Theory, News & General
Topic: Is the portability of ETFs worth much?
Replies: 42
Views: 2217

Re: Is the portability of ETFs worth much?

You much prefer mutual funds.....why? Because you might not be able to spend the entire $$ amount on an ETF share? That's the only downside. In my taxable accounts, what I do is this....I buy as many shares as my $$ will buy. Then I see what kind of money I have left over and I add enough to buy 1 m...
by Jack FFR1846
Fri Jan 15, 2021 8:58 am
Forum: Personal Finance (Not Investing)
Topic: First Time Home Buyer Affordability Feedback (round 2)
Replies: 15
Views: 702

Re: First Time Home Buyer Affordability Feedback (round 2)

You don't say if DW is working or not. If she is, is your plan to buy a home you have to stretch to afford and then for her to stop working? I ask because this is a very common scenario and it is not good. And sometimes it's a surprise. Then it's really not good. If it's just your income, then it re...
by Jack FFR1846
Fri Jan 15, 2021 8:54 am
Forum: Personal Investments
Topic: Invest in Company Stock at a Discount vs. Index Funds?
Replies: 31
Views: 1143

Re: Invest in Company Stock at a Discount vs. Index Funds?

If you really have to buy and hold the stock for 4 years, hard pass.

Polaroid
IMP (small california public fab)

Neither are telecom, but did the same thing Enron did.
by Jack FFR1846
Fri Jan 15, 2021 8:47 am
Forum: Personal Consumer Issues
Topic: Home comfort mystery
Replies: 33
Views: 3357

Re: Home comfort mystery

Have you lost weight recently? I lost about 40 pounds and went from riding the chair lift at a ski area in 0 degree weather with my jacket open to feeling like my fingers are freezing in just 30 degree weather. You say humidity is not a factor. Are you sure? Cold winter air will squeeze moisture out...
by Jack FFR1846
Fri Jan 15, 2021 8:05 am
Forum: Personal Consumer Issues
Topic: Simple but fun cars
Replies: 57
Views: 4107

Re: Simple but fun cars

I somehow forgot about the S2000, although there's one stored on my lift in the garage right now. It is a very analog car but uses plenty of electronics. The dash is a digital dash and things like the fan is controlled with a rocker switch that lights up green lights. That said, the gauges are some ...
by Jack FFR1846
Thu Jan 14, 2021 7:29 pm
Forum: Personal Consumer Issues
Topic: Tesla [car] purchase any significant downside?
Replies: 150
Views: 9121

Re: Tesla [car] purchase any significant downside?

https://cleantechnica.com/2019/06/14/tesla-model-3-vs-honda-civic-15-cost-comparisons-over-5-years/ I read through this and made my way to the low gas, high electric price chart, where the Civic is cheaper. The writer says it's the least likely scenario. Oh really. Come to anywhere in New England a...
by Jack FFR1846
Thu Jan 14, 2021 6:55 pm
Forum: Personal Consumer Issues
Topic: Simple but fun cars
Replies: 57
Views: 4107

Re: Simple but fun cars

If you are interested in building a kit or buying one used, Factory Five Racing makes a number of models. I built the Shelby Cobra replica 20 years ago in my garage. With the instructions and patience, none of it was overly difficult. You could certainly build a carburetor based engine. I did a slig...
by Jack FFR1846
Thu Jan 14, 2021 6:32 pm
Forum: Personal Consumer Issues
Topic: Cross country move.....
Replies: 15
Views: 937

Re: Cross country move.....

A quick tip for books. Look for apps on your phone that can scan the isbn number and give you a quote. I've been going through lots of my books and find them here and there that'll sell. Easy way to reduce the bulk and bring in some money for the reductions.
by Jack FFR1846
Thu Jan 14, 2021 3:52 pm
Forum: Personal Investments
Topic: What's your strategy for unloading your ESPP shares?
Replies: 18
Views: 1112

Re: What's your strategy for unloading your ESPP shares?

This is easy for me. Before the buy date, I put in a "sell all at market" order into my eTrade account, where my company puts the shares. The end. Overall portfolio.....well.....they become cash once settled and moved out of eTrade. I'll then sometimes move the money to Schwab and they buy...
by Jack FFR1846
Thu Jan 14, 2021 3:51 pm
Forum: Personal Consumer Issues
Topic: What is the correct premium to pay for a Toyota vs a Chrysler?
Replies: 53
Views: 3216

Re: What is the correct premium to pay for a Toyota vs a Chrysler?

Are you comparing equal vehicles? I don't think so. Hybrid is a major thing. AWD is a major thing. Perhaps compare 2 FWD non-hybrids to get a fair comparison of similar vehicles.
by Jack FFR1846
Thu Jan 14, 2021 2:03 pm
Forum: Personal Investments
Topic: pre-boglehead actively managed funds
Replies: 20
Views: 1052

Re: pre-boglehead actively managed funds

You need to convince yourself that indexing is the way to go. Maybe pull up Callan's periodic table. I know that it took me a while to give up Contrafund for VTI and the like. But I did. I'm now fully into broad based, low cost indexing. When looking at a fund, I honestly don't care what it's past p...
by Jack FFR1846
Thu Jan 14, 2021 1:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Retirement Nest Egg Calculator
Replies: 30
Views: 3376

Re: Vanguard Retirement Nest Egg Calculator

In my humble opinion, this is the easiest calculator I've ever used. The "explain this chart" had useful information that allowed me to understand what was going on. The 2 views were really helpful, showing both chances of success and probable savings at various numbers of years. Thanks mu...
by Jack FFR1846
Thu Jan 14, 2021 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Should I walk away from nice pension? Is it worth it?
Replies: 48
Views: 6375

Re: Should I walk away from nice pension? Is it worth it?

From your other thread, one reply had a particularly telling line: Also remember there's ageism in the tech sector. Absolutely! I worked for one of the big tech companies and they absolutely had a program to push out anyone over 50. In my case, I went from reviews year after year of "exceeds&qu...
by Jack FFR1846
Thu Jan 14, 2021 1:13 pm
Forum: Personal Investments
Topic: How to payoff and still protect a sibling's home
Replies: 30
Views: 2011

Re: How to payoff and still protect a sibling's home

This appears to yet again be a case where someone is in a house they simply can't afford. The wife should be working. Is she's not, then why not? I would suggest he get a reverse mortgage. He might not like that and you might not like that because he won't then leave the house to the kids. Well, I'm...
by Jack FFR1846
Thu Jan 14, 2021 10:09 am
Forum: Personal Investments
Topic: Ally Invest
Replies: 1
Views: 328

Ally Invest

Ally has a current promotion to get some $$ for relatively low investments. Buying stocks and ETFs come with no cost, so it's not a bad deal. Sort of par for the course. Funding needs to come from an outside account and maybe I'm just confused, but I couldn't figure out how to add my external source...
by Jack FFR1846
Thu Jan 14, 2021 8:07 am
Forum: Personal Consumer Issues
Topic: Honda Fit discontinued after 2020
Replies: 7
Views: 1305

Re: Honda Fit discontinued after 2020

Parts are readily available for both 1st and 2nd generation CRX's. They made orders of magnitude more FITs than CRX's. Parts will remain available 30 years from now. (the last CRX was produced 30 years ago).