Search found 373 matches

by AQ
Wed Jun 24, 2015 9:30 am
Forum: Personal Consumer Issues
Topic: Mess on hardwood floor installation
Replies: 8
Views: 1292

Mess on hardwood floor installation

We have some asthma issues and so finally decided to do a hardwood floor with significant money involved. It's a two-story house, first floor on concrete. We did some research and purchased engineering wood for first floor, and solid wood for second floor. Yesterday the contractor came to tear out t...
by AQ
Sat Jun 13, 2015 4:04 pm
Forum: Personal Consumer Issues
Topic: How to securely dispose old computer?
Replies: 43
Views: 4034

Re: How to securely dispose old computer?

How about placing hard disks on garages, and drive over it?
by AQ
Sat May 23, 2015 3:10 pm
Forum: Personal Consumer Issues
Topic: Quality medicines
Replies: 8
Views: 903

Quality medicines

This is not a question about best prices, but best quality whatever prices are. Among chain pharmacy, such as Walgreens, Wal Mart, CSV, Costco, Target, etc., is there a quality difference? Maybe it's a brand name medicine, they are supposed to be of identical quality; but if it's a generic, Walgreen...
by AQ
Sat May 09, 2015 12:23 am
Forum: Personal Finance (Not Investing)
Topic: still another question about buying a house
Replies: 2
Views: 346

still another question about buying a house

Signing paper works now for purchasing a house. But realized that the title is jointly held by a couple. The wife is in a different state and authorizes the husband to sell with an attorney of power letter. My agent and the title company assure me this is legal and nothing to worry about. I'd like t...
by AQ
Sat May 02, 2015 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about buying house process
Replies: 16
Views: 1220

Re: Questions about buying house process

Thanks a lot for all of your words.. It did help. I'll talk to my agent to see if we can have a walk through right before the closing. Is that a common practice? So not an unreasonable request to sellers? If a sale falls apart, that is an acceptable risk to me. I fear I need to get into a nasty lega...
by AQ
Fri May 01, 2015 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about buying house process
Replies: 16
Views: 1220

Questions about buying house process

I entered a contract to buy a house just today. Hope someone helps my anxiety a bit :? The seller initially wanted to rent back but we insisted we don't do it, worrying if the seller doesn't leave the house on time. The seller finally gave up and agreed to not rent back. Now today I asked the title ...
by AQ
Mon Apr 27, 2015 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: lost a bid for questionable practice of seller's agent
Replies: 28
Views: 3612

Re: lost a bid for questionable practice of seller's agent

What are your indications that your bid was better, or is it just a guess? I hate realtors as much as the next guy but if your guessing I don't see the basis for filing a complaint until you know for sure. I may entertain the suggestion of filing a complaint NOT because I lost a bid to a (probably)...
by AQ
Mon Apr 27, 2015 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: lost a bid for questionable practice of seller's agent
Replies: 28
Views: 3612

lost a bid for questionable practice of seller's agent

I made a bid for a house but didn't get it. But it appears some improper play here by seller's agent. Long story below: When I went for open house, the seller's agent (let's call her Nancy) told us she won't take bids until a second open house in another week. A few days later I called my agent to t...
by AQ
Sun Apr 26, 2015 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Gift tax related
Replies: 5
Views: 847

Gift tax related

I understood that there are a $14000 annual limit on gift tax without the hassle of filing a tax form, etc.. My question (maybe just academic) is: there are a lot of things one could do for others without writing a check: take someone out for a fancy vacation, add her names on your phone plans/car i...
by AQ
Fri Mar 06, 2015 11:38 pm
Forum: Personal Consumer Issues
Topic: stress management tips?
Replies: 19
Views: 1963

stress management tips?

I guess I get a lot of stresses; nothing acute, but probably some long term of accumulations from work and concerns about personal health..

Any practical tips to share?
by AQ
Sun Feb 22, 2015 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Joint account for estate plan
Replies: 1
Views: 234

Joint account for estate plan

A question about joint brokerage or mutual fund accounts (like Vanguard, Fidelity, etc.), and bank accounts for estate plans: If it's a joint account for husband and wife, should one die first, does the other automatically take the ownership of the entire account without any legal process like proba...
by AQ
Mon Feb 09, 2015 11:44 pm
Forum: Investing - Theory, News & General
Topic: Primecap: The Best Stock Pickers You've Never Seen
Replies: 32
Views: 2882

Re: Primecap

I hold this fund. Like the performance, but hate the distribution though. In particular this tax season
by AQ
Mon Feb 09, 2015 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: First portfolio plan
Replies: 3
Views: 416

Re: First portfolio plan

Are you aware Fidelity says you can retire with only 8x your income in savings ? You seem to be doing quite well with 40x annual expenses! How many years of income does that translate too? You have more bond funds than I ever will. But your overall portfolio looks simpler than most, assuming each t...
by AQ
Sun Feb 08, 2015 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: First portfolio plan
Replies: 3
Views: 416

First portfolio plan

50 year old; the top fed / state (13%) rate (actually higher than that due to phaseout of deductible); portfolio size about 40 times of annual expenses; still working but increasingly want to call it quits. Much of it on taxable side. Plan: 50:50; but plan to follow 'age in bond' Stock: 40% total st...
by AQ
Thu Jan 01, 2015 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Total International Stock
Replies: 17
Views: 2868

Total International Stock

Happy new year! The first order of business of the new year is to fund my IRA, and then rebalance. Found Total International Stock underperformed in 2014. A few questions about this fund: 1) Is this fund still one of the good choices to get exposures to International? The wiki page seems out of date...
by AQ
Thu Jan 01, 2015 1:10 pm
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 22346

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2109.87
by AQ
Sat Dec 20, 2014 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Young adult finance
Replies: 2
Views: 659

Young adult finance

We have kept joint bank accounts, credit cards, etc. with our children. Now DD has income herself now. I wonder if we should stop this practice and let the young adult have everything under her own name? This question is for tax planning, liabilities, legal, etc. only. For example, joint accounts wo...
by AQ
Sun Dec 14, 2014 2:35 pm
Forum: Personal Consumer Issues
Topic: What is a move-up car after mid-size sedan?
Replies: 63
Views: 4572

Re: What is a move-up car after mid-size sedan?

. Like I said earlier, what features do you want for an extra $10k? Actually I don't know but look for more and better features. Don't know since I've been cheap and never drive many nice cars to know :) But after this discussion, I know what we're looking for are features, not brands (to impress p...
by AQ
Sun Dec 14, 2014 3:22 am
Forum: Personal Consumer Issues
Topic: What is a move-up car after mid-size sedan?
Replies: 63
Views: 4572

Re: What is a move-up car after mid-size sedan?

Thanks for all your comments. This is actually a question from a broader topic and let me explain it here anyway. Welcome your thoughts too. We have been frugal and saving just like a typical one on this forum.. We're lucky that now we're in a position to save probably more than enough even with ver...
by AQ
Sat Dec 13, 2014 5:50 pm
Forum: Personal Consumer Issues
Topic: What is a move-up car after mid-size sedan?
Replies: 63
Views: 4572

What is a move-up car after mid-size sedan?

Up until now, we have driven mid-size sedans like Camry, Taurus, Sonata, etc.. We have been doing well, and DW would like to splurge a bit on our next new car (we usually change a car after 10 years). Any specific suggestions? We never spent more than 30K on a new car, so I would imagine a 40K budge...
by AQ
Tue Sep 23, 2014 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Personal finance book for young adults?
Replies: 7
Views: 627

Personal finance book for young adults?

A college kid graduated and started working this year. Any recommendation on a personal finance book, not only about investment but also about 401K, credit card, and etc.? Thanks.
by AQ
Sat May 24, 2014 12:39 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity vs. Vanguard
Replies: 75
Views: 9294

Re: Fidelity vs. Vanguard

Fidelity is probably the oft-cited competitor to Vanguard. Just curious which one could be the number 3 firm on this forum after these 2?
by AQ
Tue Apr 01, 2014 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: dividend check
Replies: 8
Views: 1337

Re: dividend check

This started looking absurd... After three full months, this seemingly simple glitch is still not fixed.. It's not a big deal to me but I would expect a major institution could do better. The flagship representative has been polite but not helpful, and still says no ETA.
by AQ
Mon Mar 03, 2014 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Tax strategy: college tuituion credit
Replies: 13
Views: 887

Re: Tax strategy: college tuituion credit

Thanks to all for the discussion. To recap: 1) in 2013, I (parent) paid the tuition for Sara(the kid in college under 24). 2) Sara made 10K in 2013. 3) If I don't claim Sara on my tax form as dependent (I could since I paid more than half of her expenses: does expense include tuition?), then Sara ca...
by AQ
Sun Mar 02, 2014 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Tax strategy: college tuituion credit
Replies: 13
Views: 887

Tax strategy: college tuituion credit

Seek advice about how to best position for the following scenario: Our household income is high enough that we are not eligible to take any credit like Hope for college tuition payments.. In the meantime, through TT, it seems whether claiming kids as dependent or not won't make any difference for ou...
by AQ
Fri Feb 28, 2014 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: 401K: why unvested?
Replies: 2
Views: 571

401K: why unvested?

I ran into a kind of strange issue: my wife had a 401K from her former company. After she left the company (more than 7 years ago), we found that part of her 401K balance is still unvested. We were never able to figure out why. It has only a few hundreds dollars so we kind of let it go.. Now I ran i...
by AQ
Mon Feb 24, 2014 9:55 am
Forum: Personal Finance (Not Investing)
Topic: 401K rollover: any reasons not to?
Replies: 3
Views: 308

401K rollover: any reasons not to?

I have any 401K account with a previous employer. Recently I read an article saying if a company is gone, then it may take long time to sort out its liabilities through courts, including 401K. I guess I should get my acts and roll it over to an IRA. Any good reasons not to? just want to do a simple ...
by AQ
Sat Feb 15, 2014 12:41 pm
Forum: Personal Consumer Issues
Topic: Postage paid envelopes
Replies: 49
Views: 3576

Re: Postage paid envelops

Interesting discussions so far. Happy Holidays! I used online banking a lot including online bill pay, etc.. The only place I still rely on this snail mail is with Vanguard, where I do NOT want to link my Vanguard account with a checking account.. It's one thing to have a small error with a online b...
by AQ
Sat Feb 15, 2014 12:49 am
Forum: Personal Consumer Issues
Topic: Postage paid envelopes
Replies: 49
Views: 3576

Re: Postage paid envelops

So you guys use ACH nowadays? I'm always a bit paranoid about it, worrying if someone simply empty my life savings from vanguard without a trace...

Tell me again why this concern is unwarranted. Maybe I'll finally take the plunge and help reduce ER for everyone in the process :)
by AQ
Sat Feb 15, 2014 12:34 am
Forum: Personal Consumer Issues
Topic: Postage paid envelopes
Replies: 49
Views: 3576

Postage paid envelopes

I'm still old-fashioned, and snail mail a check to Vanguard to add investment..

Recently I asked for a few new postage paid envelopes. Today I got paid Fedex Extremely Urgent envelopes. Is this the perk for being a flagship account? :D
by AQ
Tue Feb 11, 2014 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: dividend check
Replies: 8
Views: 1337

Re: dividend check

The OP didn't say it was Vanguard, but I did the same thing with VG bond funds late last year and received 2 dividend checks. Everything appeared to be going to my Prime MM settlement fund per the website. I double-checked this after the 1st check arrived. After the 2nd, I called VG and was told it...
by AQ
Tue Feb 11, 2014 1:09 am
Forum: Investing - Help with Personal Investments
Topic: dividend check
Replies: 8
Views: 1337

dividend check

Near the year-end last year, I transferred into a bond fund for tax loss harvest.. For whatever reasons, I started to receive a monthly dividend check, even though I set up the account that dividends should all go to my money market account. I have a couple of other bond holdings and all worked as e...
by AQ
Thu Jan 16, 2014 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: unknown credit cards on my credit report
Replies: 21
Views: 2286

Re: unknown credit cards on my credit report

ajcp wrote:Why do you believe that account is this amex?


This is the only item for an amex..
by AQ
Thu Jan 16, 2014 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: unknown credit cards on my credit report
Replies: 21
Views: 2286

Re: unknown credit cards on my credit report

yes, but the account number on my statement is my card number, which does NOT match the number on credit report..
by AQ
Thu Jan 16, 2014 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: unknown credit cards on my credit report
Replies: 21
Views: 2286

Re: unknown credit cards on my credit report

I believe one of accounts seems my american express card. Is that the case that for Amex card, the account number is different from the card number? how can I be sure?
by AQ
Thu Jan 16, 2014 12:45 am
Forum: Personal Finance (Not Investing)
Topic: unknown credit cards on my credit report
Replies: 21
Views: 2286

unknown credit cards on my credit report

Just took a look at my credit report, motivated by recent Target data breach.. I have opened many accounts over years (ok, my bad). The report lists two cards, which I don't recognize at all. Those accounts were opened a few years ago, so certainly unrelated to recent events. I went through my drawe...
by AQ
Wed Sep 18, 2013 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Advice about campus recruiting?
Replies: 13
Views: 1366

Advice about campus recruiting?

DS in his senior year and already got his offer from his prior internship. That is great news. However, he hasn’t made up his mind about what he’d like to do and wants to take advantage of the school on-campus recruiting, but his offer requires he makes a decision in the next week.. Any experiences ...
by AQ
Tue Sep 03, 2013 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Potential liability from adult children?
Replies: 22
Views: 6243

Potential liability from adult children?

Please advise how we can protect ourselves from potential liabilities from our adult son. Son is in college, and he's going to get his driving license fairly soon. I don't expect him to get his own car any time soon, but imagine he might drive cars from friends, as well as family car when he comes h...
by AQ
Wed Jun 26, 2013 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: TLH or buy more? VCITX
Replies: 9
Views: 1203

Re: TLH or buy more? VCITX

Muni ETF is surging today, and I take it a likely turning point and started to build up.. :happy
by AQ
Tue Jun 25, 2013 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: TLH or buy more? VCITX
Replies: 9
Views: 1203

Re: TLH or buy more? VCITX

I plan to do both. I took it it seems stablized today, so I bought more.
by AQ
Fri May 31, 2013 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Time to dump bond funds?
Replies: 25
Views: 2899

Re: Time to dump bond funds?

I think I understand the lower nav, higher yield, etc. and all is fine. But there is a catch, I believe. In actual fund management, if a lot of investors like OP panicked, and rushed to exit, and Vanguard is forced to sell at a discount to redeem, then the remaining investors would end up eating the...
by AQ
Tue May 28, 2013 9:41 pm
Forum: Investing - Theory, News & General
Topic: A RBD ...for Bonds?
Replies: 12
Views: 1311

Re: A RBD ...for Bonds?

Appears that tips were hit much harder than nominal treasury. Any insights?
by AQ
Sun Apr 28, 2013 8:03 pm
Forum: Investing - Theory, News & General
Topic: Meet Mr. Money Mustache, the man who retired at 30
Replies: 253
Views: 31537

Re: Meet Mr. Money Mustache, the man who retired at 30

I would love to find that thread if anyone knows what he is talking about. Unless it's a 20-year-old with 10 kids and some kind of money-sucking illness, I just can't picture who would be advised they could not retire with 4 million, and am curious to see. I think that it might be this thread: http...
by AQ
Fri Mar 29, 2013 4:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Phishing
Replies: 33
Views: 3995

Phishing?

Got an email from Vanguard (flagship@eonline.evanguard.com) with the following message, but I haven't received any calls, and didn't expect one. Anything wrong? Our records indicate that you or someone in your household recently received a call from your Vanguard representative. Could you please tel...
by AQ
Thu Mar 28, 2013 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Compare 2012 Effective Tax rate?
Replies: 36
Views: 2973

Re: Compare 2012 Effective Tax rate?

27.87% by TT. Maybe I need a live accountant instead of TT?
by AQ
Wed Mar 27, 2013 8:57 am
Forum: Personal Finance (Not Investing)
Topic: When to add kid to car insurance
Replies: 16
Views: 1069

Re: When to add kid to car insurance

Many thanks for your comments so far. Just to clarify my question, we're in CA. And son has been in driving school for a few hours already. I plan to sit with him while he keeps practice until he got his full liscence. So my question is: do I need to add son to the policy while he is still with a le...
by AQ
Tue Mar 26, 2013 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: When to add kid to car insurance
Replies: 16
Views: 1069

Re: When to add kid to car insurance

Things may have changed in last few years. In our case we did put our son's name on the policy but also provided school's registration papers to prove that he was more than 50-60 (don't remember exact) miles away from home and proof that he was staying on Campus. This way we had peace of mind when ...
by AQ
Tue Mar 26, 2013 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: When to add kid to car insurance
Replies: 16
Views: 1069

When to add kid to car insurance

Son is in college. Last month he got a learning permit and I plan to send him to driving school for a few hours. Most of time he'll stay in campus away from home and won't drive but I expect when he gets home for weekends or breaks, he may drive our cars. My understanding is that if I lend a car to ...
by AQ
Sat Mar 09, 2013 5:08 pm
Forum: Investing - Theory, News & General
Topic: What's your number? Why?
Replies: 258
Views: 24738

Re: What's your number? Why?

I have about 4mm but I'm not sure if that is enough, or how much more I need. 10 would be more than enough but I may never get there :happy It's fairly easy to figure out my needs and expenses but the problem is not sure how much I need to budget for health care. Currently it's paid my employer and ...

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