Search found 13187 matches

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: 1959

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: 1959

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: 2028

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: 2568

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: 2564

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: 2786

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: 4260

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: 3135

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: 1688

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: 50
Views: 3736

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: 237

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: 4260

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: 2286

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: 772

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: 1191

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: 3421

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: 4260

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: 9670

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: 4260

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: 973

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: 1173

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: 3337

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: 1089

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: 3437

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: 6515

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: 41
Views: 2577

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: 358

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: 1322

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).
by Jack FFR1846
Thu Jan 14, 2021 8:00 am
Forum: Personal Consumer Issues
Topic: Accepting payment on used car sale during covid
Replies: 55
Views: 4218

Re: Accepting payment on used car sale during covid

How much money we talking? I sold our Fusion last week. 25 $100 bills. I don't know how the buyer got that money as it took a few days while he waited for his client to pay him. If appointments take a week, make one now? I've sold dozens of cars over the years but trust no 1 anymore. If it's a few t...
by Jack FFR1846
Wed Jan 13, 2021 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Got a job offer for $840k/yr. Should I come out of retirement?
Replies: 229
Views: 28927

Re: Got a job offer for $840k/yr. Should I come out of retirement?

Wait. The specific things you do make me think......you're the Old Spice guy on a horse, aren't you?
by Jack FFR1846
Wed Jan 13, 2021 10:20 pm
Forum: Investing - Theory, News & General
Topic: Economy sluggish? I don't understand
Replies: 95
Views: 7725

Re: Economy sluggish? I don't understand

Something else to consider. New grads just coming out of college last May were slated to start new jobs in late spring/early summer. My older son just graduated and luckily, people are still using structural engineers for a number of services, from new buildings, stone work, investigations of insura...
by Jack FFR1846
Wed Jan 13, 2021 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: My company denies academic tuition assistance request
Replies: 35
Views: 2590

Re: My company denies academic tuition assistance request

Are there written requirements to receive this assistance? If so, compare to your situation. I've had all kinds of different requirements which managers could over-ride.
by Jack FFR1846
Wed Jan 13, 2021 2:46 pm
Forum: Personal Consumer Issues
Topic: What Kind of Generator Do you Use for your Home Backup?
Replies: 138
Views: 8384

Re: What Kind of Generator Do you Use for your Home Backup?

Generac 5500 gas. Bought it about 3 years ago when a late season snow/ice storm took out power with estimates of at least 3 days, possibly into weeks before restoration. Went to Lowes. This was all they had. $700. I used it for the 3 days of that storm to run oil burner, water heater, refrigerators,...
by Jack FFR1846
Wed Jan 13, 2021 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Our experience with a healthcare sharing ministry
Replies: 104
Views: 6532

Re: Our experience with a healthcare sharing ministry

So this is not insurance but saying they are insurance? With the violations of ACA, I can see why they can't be actual insurance. Sounds to me like simple fraud.
by Jack FFR1846
Wed Jan 13, 2021 10:36 am
Forum: Personal Consumer Issues
Topic: Tesla [car] purchase any significant downside?
Replies: 150
Views: 9670

Re: Tesla [car] purchase any significant downside?

Yep, you cannot take your Tesla to an independent Tesla mechanic because 1) almost none exist 2) if you did, you may void the warranty. Well, you could take it to a place like the Electrified Garage. Rich has a youtube channel and has built many Teslas from salvage cars, put electric motors into a ...
by Jack FFR1846
Wed Jan 13, 2021 8:21 am
Forum: Personal Consumer Issues
Topic: What is so special about the Toyota Tacoma?
Replies: 97
Views: 10373

Re: What is so special about the Toyota Tacoma?

If you're looking at a used one and it's in the years of the frame replacement recall, be sure that's already been done. The Toyota dealer will indeed replace the entire frame for free, but anything that's not up to par will be required to be addressed. So expect to pay out of pocket for motor/trans...
by Jack FFR1846
Wed Jan 13, 2021 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Intentionally Paying Too Much Taxes to Buy I Bonds
Replies: 35
Views: 3900

Re: Intentionally Paying Too Much Taxes to Buy I Bonds

This is simply a good idea. Citi double cash and Fidelity 2% cards will both give you 2% on the payment. Getting paper bonds allows you to have bonds without having to deal with Treasury Direct ever. When it's time to cash out, simply ask your local B&M bank or credit union about it. It's not th...
by Jack FFR1846
Tue Jan 12, 2021 8:07 pm
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 470
Views: 39239

Re: What kind of car do Bogleheads like to drive?

Would Tesla 3 be the new Boglehead car due to cost savings on gas? Has anyone done a comprehensive cost analysis of holding a Tesla 3 (or similar) to a Toyota Camry for 7 years? I've compared cost per mile of my Crosstrek and my gas price and my electric price vs a Tesla S and a Tesla 3. The Crosst...
by Jack FFR1846
Tue Jan 12, 2021 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: CitiBank $700 Offer
Replies: 42
Views: 7276

Re: CitiBank $700 Offer

I did the $400 one some years ago. They wait to start the clock and require you to stay until their clock runs out. What do I mean? So I open the account and am ready to ACH over the funds. It took a good week for the small deposits and verifications to all clear. Then I ACH over and they hold it fo...
by Jack FFR1846
Mon Jan 11, 2021 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Financial assistance for elderly friend (65 years old)
Replies: 39
Views: 3187

Re: Financial assistance for elderly friend (65 years old)

If she doesn't speak English well, then perhaps she's from a much cheaper country to live in. She can move there, selling the house on her way out.
by Jack FFR1846
Mon Jan 11, 2021 12:01 pm
Forum: Personal Investments
Topic: Please help advise on taking over my own investments
Replies: 13
Views: 1049

Re: Please help advise on taking over my own investments

Jack Bogle also did not believe holding separate international was necessary. I sort of agree and some time ago, simply froze my international. I still have it but don't add to it. After hearing both Jack and Collins, I thought to myself....."What company exists that does not have any internati...
by Jack FFR1846
Mon Jan 11, 2021 11:41 am
Forum: Personal Consumer Issues
Topic: Temporary school absences for travel
Replies: 29
Views: 1598

Re: Temporary school absences for travel

Beyond kindergarten, our school system told us "absolutely not". Beyond elementary, they threatened to report the kids as being truant to the police and Child Protective Services.

You need to figure it out for your own school system.
by Jack FFR1846
Mon Jan 11, 2021 8:16 am
Forum: Personal Investments
Topic: Continue to purchase I bonds?
Replies: 7
Views: 981

Re: Continue to purchase I bonds?

The composite rate appears to currently be 1.68%.

Are you doing better than this at your current eFund holding location?
by Jack FFR1846
Sun Jan 10, 2021 8:01 pm
Forum: Personal Consumer Issues
Topic: Can a car have problem if you drive very little?
Replies: 34
Views: 2740

Re: Can a car have problem if you drive very little?

I've had many cars that are stored all winter. All have a battery tender hooked up. In your case, probably also add some stabil to the gas, since it may start going bad before you cycle it through. I would also worry about mice. There are a number of things I do to discourage them.
by Jack FFR1846
Sun Jan 10, 2021 5:47 pm
Forum: Personal Investments
Topic: how to best use a cash gift of $250k?
Replies: 10
Views: 2223

Re: how to best use a cash gift of $250k?

Thanks for the podcast suggestion, Francis42! I have heard of lump sum is more likely to outperform DCA, it is just the stock market is all time high despite the pandemic/economy. The gift is about 1/3 of my portfolio which is quite significant. The market is on average at an "all time high&qu...
by Jack FFR1846
Sun Jan 10, 2021 5:36 pm
Forum: Personal Investments
Topic: Check my Zero ER Portfolio
Replies: 42
Views: 2712

Re: Check my Zero ER Portfolio

That's quite interesting. I'm only in FZROX.
by Jack FFR1846
Sun Jan 10, 2021 5:15 pm
Forum: Investing - Theory, News & General
Topic: When active fund management makes sense to you?
Replies: 79
Views: 5235

Re: When active fund management makes sense to you?

When would active fund management make sense to me? Hasn't happened yet.

When would some of the markets/countries you talk about make sense to me? Never. Been there, lost money, moved on.
by Jack FFR1846
Sun Jan 10, 2021 4:11 pm
Forum: Personal Investments
Topic: Check my Zero ER Portfolio
Replies: 42
Views: 2712

Re: Check my Zero ER Portfolio

invest2bfree wrote: Sun Jan 10, 2021 12:03 pm There is a limit of 300k for this fidelity zero.

Does not work for me.
What?

I have over $700k in a zero. Where did you get that from?
by Jack FFR1846
Sun Jan 10, 2021 9:03 am
Forum: Personal Consumer Issues
Topic: Tesla [car] purchase any significant downside?
Replies: 150
Views: 9670

Re: Tesla [car] purchase any significant downside?

We don't know your situation. If you live in an apartment with no practical way to charge the car at home and your office building (like mine) has circulated a memo expressly warning not to run extension cords out the window to charge EVs, then you may not have a practical way to charge the car.