Search found 6295 matches

by SmileyFace
Tue Apr 13, 2021 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: events that require unfreezing credit
Replies: 19
Views: 616

Re: events that require unfreezing credit

pahkcah wrote: Tue Apr 13, 2021 4:32 pm Buying/leasing a vehicle. Always ask which credit bureau will be checked, and only unfreeze that one.
In my experience there is no credit check unless you are taking a loan (or lease which is a loan of sorts).
by SmileyFace
Tue Apr 13, 2021 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: events that require unfreezing credit
Replies: 19
Views: 616

Re: events that require unfreezing credit

It's a five minute process to temp unfreeze while it can take years to unravel identity theft.
I don't want someone pulling my credit without my knowledge in any case so like having the check in place. Credit cards, loans, some bank account types are the only times I ever need to temp unfreeze.
by SmileyFace
Tue Apr 13, 2021 10:03 am
Forum: Personal Consumer Issues
Topic: The Great Swing Set Dilemma
Replies: 56
Views: 4526

Re: The Great Swing Set Dilemma

The kids can flip off swings or top of slide or top of ladder just as easily as fall off the bridge so not sure what the concern is. I would get the bridge - you should have proper material under the entire play structure anyway to assure a fall won't result in major injury.
by SmileyFace
Tue Apr 13, 2021 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Transfer out from E-Trade and consolidate with Vanguard, or not?
Replies: 16
Views: 867

Re: Transfer out from E-Trade and consolidate with Vanguard, or not?

The reason I mentioned it is that my wife is not investment savvy. So, the interest in PAS is mainly for the event where I am not around. Fidelity will give your wife free access to a CFP at this account level. I agree with others that have suggested Fidelity or Schwab rather than Vanguard for cons...
by SmileyFace
Tue Apr 13, 2021 6:40 am
Forum: Investing - Theory, News & General
Topic: What's your definition of "Family Money"?
Replies: 34
Views: 3450

Re: What's your definition of "Family Money"?

1. Inherited money 2. You were given/gifted a significant sum of wealth such that you could not have possibly earned in in the traditional sense 3. You have the unconditional financial backing of family benefactor Good definition! If you started with a high negative networth like many of us (school...
by SmileyFace
Tue Apr 13, 2021 6:27 am
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 243
Views: 16624

Re: Insane to buy a sports car?

Update: Ordered a car! After riding out this crazy year, I finally decided to pull the trigger on a 2021 GTS 4.0. Almost the exact same engine/transmission/suspension/body as the Spyder but cheaper (and I like the wheels better :) ). Income and savings have actually increased exponentially this yea...
by SmileyFace
Tue Apr 13, 2021 6:20 am
Forum: Personal Investments
Topic: Emergency (oh my God fund)
Replies: 44
Views: 4149

Re: Emergency (oh my God fund)

Yes. It allows me to not have to cash out stocks at bottom of market (Most likely to lose job when market crashes) and also doubles as a large purchase fund (new car, etc). I had about 2 years expenses but I shrunk it down as I started buying iBonds as a second tier. This topic has been discussed pr...
by SmileyFace
Mon Apr 12, 2021 6:32 am
Forum: Personal Consumer Issues
Topic: What do you do with well worn clothing?
Replies: 39
Views: 3115

Re: What do you do with well worn clothing?

Metsfan91 wrote: Mon Apr 12, 2021 12:45 am Salvation Army dropoff location... Dropoff boxes for other charities available as well.
These places typically don't want well worn clothing - only gently worn clothing. If it's worn through or ratty - trash is the place it goes.
by SmileyFace
Mon Apr 12, 2021 6:30 am
Forum: Personal Consumer Issues
Topic: Comfortable Men's Flip Flops?
Replies: 51
Views: 3383

Re: Comfortable Men's Flip Flops?

Cheez-It Guy wrote: Sun Apr 11, 2021 2:14 am I don't like a thong between my toes, ...
I agree with this - "comfortable flip flops" is an oxymoron in my book. Slides or Sandals are they way to go - I have been wearing a very comfortable pair of Merrell sandals the last few years.
by SmileyFace
Mon Apr 12, 2021 6:26 am
Forum: Personal Consumer Issues
Topic: USPS Delivery issues
Replies: 35
Views: 2502

Re: USPS Delivery issues

I thought it was pretty well known for some time to NOT use the USPS for anything time sensitive. Use UPS Expess or FEDEX. But thanks for sharing another story letting us know this is still true.
by SmileyFace
Sun Apr 11, 2021 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Theory: The Only Four Situations Justifying Debt
Replies: 103
Views: 7001

Re: Theory: The Only Four Situations Justifying Debt

Buying a new car I have saved extra money by taking a loan instead of paying cash - that is the only reason left for me.
I am not sure if I would call this debt since I have the money sitting in the bank and typically pay it off in a month or two (unless the loan is 0%).
by SmileyFace
Fri Apr 09, 2021 6:58 pm
Forum: Personal Investments
Topic: Consolidate Fidelity to Vanguard or not
Replies: 33
Views: 2449

Re: Consolidate Fidelity to Vanguard or not

ESPP charges are typically negotiated by company and broker - there is usually a trading fee regardless of which broker is administrating the ESPP. You can buy VTI or ITOT at Fidelity with no fees (and unlike Vanguard can also get fractional shares in these). There are many threads comparing Vanguar...
by SmileyFace
Fri Apr 09, 2021 8:05 am
Forum: Personal Finance (Not Investing)
Topic: What's Your View Of the Fidelity 2% Cash Back Visa Credit Card
Replies: 60
Views: 4911

Re: What's Your View Of the Fidelity 2% Cash Back Visa Credit Card

This is starting to sound like a Fidelity Forum :happy . Remember folks, we are BOGLEHEADS. It's because Fidelity provides good things for bogleheads - low (or zero) cost index funds and ETFs and other good value financial products (such as the credit card being discussed). So why shouldn't it be a...
by SmileyFace
Fri Apr 09, 2021 8:02 am
Forum: Personal Finance (Not Investing)
Topic: What's Your View Of the Fidelity 2% Cash Back Visa Credit Card
Replies: 60
Views: 4911

Re: What's Your View Of the Fidelity 2% Cash Back Visa Credit Card

I like it - no problems. Switched a few years ago after several problems with the Citi 2% card.
by SmileyFace
Fri Apr 09, 2021 6:24 am
Forum: Investing - Theory, News & General
Topic: The Emotional Side of Investing
Replies: 28
Views: 2608

Re: The Emotional Side of Investing

The only decision I have made in many years is "stay the course" - feels good to know I am on track with my goals/retirement savings. Boglehead principles work well. It's been a long time since I've made the micro decisions some are talking about here - luckily it was small amounts of mone...
by SmileyFace
Thu Apr 08, 2021 6:33 am
Forum: Personal Consumer Issues
Topic: Shoe Choice for a Walker
Replies: 33
Views: 2676

Re: Shoe Choice for a Walker

I am a fan of ASICS as well. I use hiking shoes in the woods/trails but for daily walks ASICS running shoes are fine. Understand your foot pronation and make sure whatever sneakers/shoes you buy are desinged for it (under, neutral, over) - it makes a difference. Google foot pronation and match the w...
by SmileyFace
Wed Apr 07, 2021 6:54 pm
Forum: Personal Consumer Issues
Topic: Should I buy a SLR camera without a built in flash?
Replies: 90
Views: 3294

Re: Should I buy a SLR camera without a built in flash?

A mirrorless with external flash is going to weigh less than a DSLR with built in flash. And if you go mirrorless (whether it be Nikon, Canon, or Sony) you are investing in the future rather than the past. I just leave the external flash connected (have a compact one for when I want to stay light) d...
by SmileyFace
Wed Apr 07, 2021 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Anyways to improve financial aid?
Replies: 70
Views: 3662

Re: Anyways to improve financial aid?

Appreciate all of the advice in here. Right now the highest assistance offer he has is 37k total and as he goes from a high school freshman to senior that offer will go up. Its from a school I have never heard of but if they are accredited, I'm sure its fine. Other name schools have lower offers bu...
by SmileyFace
Wed Apr 07, 2021 5:39 pm
Forum: Personal Investments
Topic: FZROX vs FSKAX
Replies: 29
Views: 2550

Re: FZROX vs FSKAX

I went with FZROX. There can be a lot of speculation of which might perform better over time - the one thing you know for sure is which will have an advantage by having the lowest Expense Ratio. FZROX won the game for being the lowest. But see Financial Planning (8/14/2018) "Fidelity Zero vs V...
by SmileyFace
Wed Apr 07, 2021 2:44 pm
Forum: Personal Investments
Topic: FZROX vs FSKAX
Replies: 29
Views: 2550

Re: FZROX vs FSKAX

If I was going to pay double in expenses for a fund, then somebody better do some justification of what makes the "special sauce". Actually, you aren't paying double, you are paying infinitely more expense with FSKAX. :wink: Of course with FSKAX at 0.02% that infinitely higher ER only amo...
by SmileyFace
Wed Apr 07, 2021 2:42 pm
Forum: Investing - Theory, News & General
Topic: How much do you spend annually in retirement?
Replies: 112
Views: 10432

Re: How much do you spend annually in retirement?

The answers lead me to believe that any retirement spending over what I spend is "high on the hog." Anything less than that isn't. Interesting. Similar to the fact that everyone going slower than me on the road driving is a slow-poke while everyone going faster is plain-old-crazy :) For m...
by SmileyFace
Wed Apr 07, 2021 2:37 pm
Forum: Personal Investments
Topic: FZROX vs FSKAX
Replies: 29
Views: 2550

Re: FZROX vs FSKAX

If I was going to pay double in expenses for a fund, then somebody better do some justification of what makes the "special sauce". Actually, you aren't paying double, you are paying infinitely more expense with FSKAX. :wink: Of course with FSKAX at 0.02% that infinitely higher ER only amo...
by SmileyFace
Wed Apr 07, 2021 2:32 pm
Forum: Personal Investments
Topic: Paper check for 401k rollover
Replies: 21
Views: 1143

Re: Paper check for 401k rollover

UPDATE FOR ANYONE IN THE FUTURE THAT TRIPS ON THIS AND MIGHT BE INTERESTED: I initiated the rollover from Schwab - received the check via next-day UPS express. I then used Fidelity Mobile Deposit taking a picture of front/back check to deposit it into my IRA. Easy-peasy. Next day I had the money rei...
by SmileyFace
Wed Apr 07, 2021 2:23 pm
Forum: Personal Investments
Topic: FZROX vs FSKAX
Replies: 29
Views: 2550

Re: FZROX vs FSKAX

I went with FZROX. There can be a lot of speculation of which might perform better over time - the one thing you know for sure is which will have an advantage by having the lowest Expense Ratio. FZROX won the game for being the lowest. https://youtu.be/v_H-tM1RkXA This guy ran the numbers for the p...
by SmileyFace
Wed Apr 07, 2021 10:13 am
Forum: Personal Investments
Topic: FZROX vs FSKAX
Replies: 29
Views: 2550

Re: FZROX vs FSKAX

https://youtu.be/v_H-tM1RkXA This guy ran the numbers for the period starting when each Zero fund began, and the Zero funds very slightly outperformed their older Fidelity siblings (assuming reinvested dividends, of course). This was true for FZROX, FZILX, and FZNILX. But see Financial Planning (8/...
by SmileyFace
Wed Apr 07, 2021 10:08 am
Forum: Personal Investments
Topic: FZROX vs FSKAX
Replies: 29
Views: 2550

Re: FZROX vs FSKAX

I went with FZROX.
There can be a lot of speculation of which might perform better over time - the one thing you know for sure is which will have an advantage by having the lowest Expense Ratio. FZROX won the game for being the lowest.
by SmileyFace
Wed Apr 07, 2021 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Tax bill split between spouses
Replies: 81
Views: 4267

Re: Tax bill split between spouses

With a 4:1 ratio the easiest and perhaps most equitable way to do it would be for the high income earner to pay ALL the taxes. At least this is my opinion for a couple that doesn't fully combine assets/earnings and has such income unequity. We have always combined all money and for 20 years have had...
by SmileyFace
Mon Apr 05, 2021 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Any reason to file taxes before May 17?
Replies: 34
Views: 3626

Re: Any reason to file taxes before May 17?

I always file as soon as I have all my stuff. Why wait? The rate of ID-theft fraudulent returns are down but they still happen.
by SmileyFace
Fri Apr 02, 2021 3:35 pm
Forum: Personal Investments
Topic: 401K: FXAIX, FSSNX, FSMDX - good proxy to FSKAX, VTI?
Replies: 6
Views: 511

Re: 401K: FXAIX, FSSNX, FSMDX - good proxy to FSKAX, VTI?

Ratios are off - its 83/10/7 - described here: https://www.bogleheads.org/wiki/Approximating_total_stock_market Perfect!, thanks SmileyFace for your help.. This is exactly what I was looking for.. 83% Fidelity 500 Index Fund (FXAIX) 10% Fidelity Mid Cap Index Fund (FSMDX) 7% Fidelity Small Cap Inde...
by SmileyFace
Wed Mar 31, 2021 12:20 pm
Forum: Personal Investments
Topic: Paper check for 401k rollover
Replies: 21
Views: 1143

Re: Paper check for 401k rollover

Fidelity will allow a Mobile Deposit of the paper check which gives me some relief.
Instructions are here:
https://www.fidelity.com/retirement-ira ... -ira-steps

thanks all for the input.
by SmileyFace
Wed Mar 31, 2021 9:50 am
Forum: Personal Investments
Topic: Employer 401K Losing Out of Matched Money
Replies: 39
Views: 2396

Re: Employer 401K Screwing Me Out of Matched Money

This is probably going to be in the live and learn column. Always understanding how matching is paid out and what parts of your pay include 401K contributions is key. This happened to me many years ago and I have since learned to plan and adjust accordingly to get full matching. I have had the same ...
by SmileyFace
Mon Mar 29, 2021 4:13 pm
Forum: Personal Consumer Issues
Topic: Battery operated garden tools
Replies: 21
Views: 3203

Re: Battery operated garden tools

Ego is the way to go.
I started with the leaf blower back in the fall. Here is the thread:
viewtopic.php?t=329150

Here it is:https://egopowerplus.com/blower-650cfm/
by SmileyFace
Mon Mar 29, 2021 10:10 am
Forum: Personal Consumer Issues
Topic: High spenders what do you spend on?
Replies: 252
Views: 24422

Re: High spenders what do you spend on?

You don't have a red wine habbit :)

Sounds like you are doing things right, not wrong.
by SmileyFace
Mon Mar 29, 2021 9:35 am
Forum: Personal Investments
Topic: Any experience with Toyota Income Driver Notes?
Replies: 98
Views: 12295

Re: Any experience with Toyota Income Driver Notes?

Interesting investment for all those that ask "should I take the 0% (or 0.9%) loan from TMCC" across this forum. If you are about to pay cash for your car - take the TMCC loan then invest the money back into TMCC.
by SmileyFace
Mon Mar 29, 2021 9:30 am
Forum: Personal Investments
Topic: Paper check for 401k rollover
Replies: 21
Views: 1143

Re: Paper check for 401k rollover

Thanks for all the input!
by SmileyFace
Mon Mar 29, 2021 9:26 am
Forum: Personal Consumer Issues
Topic: Why are Subarus so popular?
Replies: 114
Views: 6223

Re: Why are Subarus so popular?

Subarus are overrated in my opinion. Their overall performance, reliability, safety features and aesthitics are not particulary noteworthy compared to other brands. That nifty all wheel drive thing they have going on is a dime a dozen now. Subaru owners remind me a lot of Volvo drivers from the 80'...
by SmileyFace
Mon Mar 29, 2021 9:25 am
Forum: Personal Consumer Issues
Topic: Why are Subarus so popular?
Replies: 114
Views: 6223

Re: Why are Subarus so popular?

Subarus are overrated in my opinion. Their overall performance, reliability, safety features and aesthitics are not particulary noteworthy compared to other brands. That nifty all wheel drive thing they have going on is a dime a dozen now. Subaru owners remind me a lot of Volvo drivers from the 80'...
by SmileyFace
Mon Mar 29, 2021 9:18 am
Forum: Personal Consumer Issues
Topic: People with Covid-19 vaccination record cards: where are you keeping them?
Replies: 163
Views: 13945

Re: People with Covid-19 vaccination record cards: where are you keeping them?

Are we thinking this peice of paper will mean something - no watermark, etc - really it's just an honor system if someone wants to see it as proof of vaccination (can download from internet and fill out yourself). I saw New York is the first that has announced plans for an electronic passport but I ...
by SmileyFace
Mon Mar 29, 2021 8:51 am
Forum: Personal Consumer Issues
Topic: Why are Subarus so popular?
Replies: 114
Views: 6223

Re: Why are Subarus so popular?

Subarus are overrated in my opinion. Their overall performance, reliability, safety features and aesthitics are not particulary noteworthy compared to other brands. That nifty all wheel drive thing they have going on is a dime a dozen now. Subaru owners remind me a lot of Volvo drivers from the 80'...
by SmileyFace
Mon Mar 29, 2021 8:41 am
Forum: Personal Consumer Issues
Topic: Why are Subarus so popular?
Replies: 114
Views: 6223

Re: Why are Subarus so popular?

Subaru sold about 600k cars in 2020 in the US. Toyota sold 2.2 million. Maybe recalibrate what you think is popular? That said, it’s the cheapest way into AWD and people want AWD. OP asked about Colorado where Outback is the best seller so the OP actually calibrated pretty well. Subarus get more po...
by SmileyFace
Mon Mar 29, 2021 7:44 am
Forum: Personal Consumer Issues
Topic: Why are Subarus so popular?
Replies: 114
Views: 6223

Re: Why are Subarus so popular?

Subarus are overrated in my opinion. Their overall performance, reliability, safety features and aesthitics are not particulary noteworthy compared to other brands. That nifty all wheel drive thing they have going on is a dime a dozen now. Subaru owners remind me a lot of Volvo drivers from the 80'...
by SmileyFace
Mon Mar 29, 2021 7:02 am
Forum: Personal Consumer Issues
Topic: Why are Subarus so popular?
Replies: 114
Views: 6223

Re: Why are Subarus so popular?

In the Northeast you see a fair number in Massachusetts - More in New Hampshire and Vermont - and even greater numbers in Maine where they seem to be a go-to vehicle. Others have nicely summarized the benefits. I like the Outback because it gives you some of the utility of an SUV and yet still drive...
by SmileyFace
Mon Mar 29, 2021 6:58 am
Forum: Personal Investments
Topic: Paper check for 401k rollover
Replies: 21
Views: 1143

Re: Paper check for 401k rollover

I've always had to use a paper check for rollovers, as that is what my 401k's required. There was no other option, even in 2020. My recommendation would be to use Fedex or USPS Express Mail to minimize time out of market. If the 401k is with a major brokerage, you can probably go directly from 401k...
by SmileyFace
Mon Mar 29, 2021 6:57 am
Forum: Personal Investments
Topic: Paper check for 401k rollover
Replies: 21
Views: 1143

Re: Paper check for 401k rollover

I moved a 401k from Schwab to a Fidelity IRA in 2018. I got a paper check as well. No issues. I think I mobile deposited via the Fidelity app but given the amount I can't be certain. As long as Schwab knew it was a rollover and not a distribution you'll be fine. I'm pretty sure that's just a standa...
by SmileyFace
Mon Mar 29, 2021 6:46 am
Forum: Personal Investments
Topic: Paper check for 401k rollover
Replies: 21
Views: 1143

Paper check for 401k rollover

I recently changed jobs and am surprised to learn that to move money between 401ks at different institutions or between a 401k and rollover ira between institutions requires a paper check for the transfer. I came across this article from 2 years ago - talking to a scwab rep as well as an independent...
by SmileyFace
Mon Mar 29, 2021 6:37 am
Forum: Investing - Theory, News & General
Topic: Thoughts on Fidelity's new Zero funds
Replies: 50
Views: 7765

Re: Thoughts on Fidelity's new Zero funds

Take a close look under he hood of those funds. Fidelity’s zero fee funds don’t track the same index. It’s a proprietary index created by Fidelity. I am betting not exactly the same as the Willshire 5000 or S&P 500. Here's an interesting article saying to wait on Fidelity's zero fee funds until...
by SmileyFace
Mon Mar 29, 2021 6:11 am
Forum: Personal Consumer Issues
Topic: From your personal experience, bathroom in finished basement?
Replies: 37
Views: 2725

Re: From your personal experience, bathroom in finished basement?

No. Unless you are short on bathrooms in your house. I wouldn't use the space for it. We finished about 800 sq ft of our basement and didn’t bother and it has never been a problem. The kids and friends can make the trip up the stairs (actually good exercise). We had 3 bathrooms already in our house ...
by SmileyFace
Sat Mar 27, 2021 8:33 am
Forum: Personal Consumer Issues
Topic: Bad Breath: Solutions, Products?
Replies: 19
Views: 1175

Re: Bad Breath: Solutions, Products?

With everyone wearing masks you don't need to worry. :D
by SmileyFace
Sat Mar 27, 2021 7:24 am
Forum: Personal Finance (Not Investing)
Topic: How quickly did you receive your 2020 tax refund?
Replies: 130
Views: 10868

Re: How quickly did you receive your 2020 tax refund?

I filed 4 returns (my own and 3 family members) - all of which had a refund - and all were received within two weeks. The largest amount back was about $4K so perhaps it has something to do with the size of you overpayment (perhaps more scrutiny on larger returns but I am just guessing).