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Re: Dazed, Confused and Upset

[OT comment removed by admin LadyGeek]
by DualIncomeNoDebt
Tue Jan 13, 2015 12:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Dazed, Confused and Upset
Replies: 63
Views: 6275

Re: Two Homes in Retirement?

For anyone with experience in buying/selling condo's, would you buy or would you lease a condo that might be only semi-permanent- maybe changing every 2-3 years? You'll be flushing money down the toilet if you are flipping condos every few years. Not to mention the taxes and common charges will rea...
by DualIncomeNoDebt
Mon Jan 12, 2015 3:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Two Homes in Retirement?
Replies: 38
Views: 3490

Re: Doing my taxes by hand

The point, I think, is to learn which items have the biggest impacts . . . and then to use that knowledge going forward to make investment and other financial decisions Hence why spreadsheets were invented with the dawn of the computer. And tax software is nothing more than a spreadsheet with a pre...
by DualIncomeNoDebt
Sun Jan 11, 2015 4:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Doing my taxes by hand
Replies: 64
Views: 4711

Re: Saved for Down payment, but decided against house

As of Jan. 8, the 6mo T is paying .08%, or basically $120. The 1yr is paying 0.23%, or $345. Bottom line, with this relatively small amount of money, on a six month or one year time frame, at current Fed rates -- it's worth neither the risk nor the effort to explore anything other than a savings acc...
by DualIncomeNoDebt
Sun Jan 11, 2015 4:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saved for Down payment, but decided against house
Replies: 5
Views: 556

Re: I have to leave Ameriprise

This portfolio is terrible. You would have been better with front- or back-end loads, versus this C-class fee pillaging which continues in perpetuity. Unsurprising, however, given the parent "advisor."
by DualIncomeNoDebt
Fri Jan 09, 2015 12:55 am
 
Forum: Investing - Help with Personal Investments
Topic: I have to leave Ameriprise
Replies: 22
Views: 3064

Re: Savings Rate vs. FUN

I'd search the forum, this has come up many, many times. The pro and con points usually fall along this continuum: live a little; you can't take it with you; you'll be bored with it after a year; it's a waste to have capital tied up sitting in your driveway (cars are parked ~96+% of their useful lif...
by DualIncomeNoDebt
Thu Jan 08, 2015 7:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings Rate vs. FUN
Replies: 43
Views: 3410

Re: [Getting Sued for] Malpractice

john94549 wrote:we can debate the merits (or lack thereof) of many initiatives in our Golden (or not) State, but one tends to veer off into politics.


I'll leave it there. But there most certainly is another side to the story besides an individual doctor's wallet.
by DualIncomeNoDebt
Tue Dec 23, 2014 11:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Getting Sued for] Malpractice
Replies: 46
Views: 4865

Re: Malpractice

I am grateful for the 250K limit on noneconomic losses and glad the trial lawyer driven proposition didn't pass earlier this year. But I imagine that it wouldn't be hard to cross the 1M mark in economic losses. Imagine a pediatric sepsis case missed, for example. The life-long cost of caring for th...
by DualIncomeNoDebt
Tue Dec 23, 2014 11:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Getting Sued for] Malpractice
Replies: 46
Views: 4865

Re: Talk me back from the edge

OP, the chart you linked is ridiculous. It tells you very little -- it doesn't even tell you if the reported "results" are net of costs and fees. And the "standard deviation" is a piss-poor barometer of credit and market risk. If they gave you additional disclosures concerning th...
by DualIncomeNoDebt
Tue Dec 23, 2014 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Talk me back from the edge
Replies: 37
Views: 4001

Re: Malpractice

If you are married and own a house in your name plus your wife's name, does that offer some sort of protection? Because if your wife also owns the house, then it can't be forked over because she was not at fault. Is this true? Short answer: no. Unquestionably, community property can be seized. If j...
by DualIncomeNoDebt
Tue Dec 23, 2014 8:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Getting Sued for] Malpractice
Replies: 46
Views: 4865

Re: Malpractice

An extremely simplified answer is yes, personal assets can be seized to satisfy any type of judgement, including medical malpractice, and it is not necessarily the case retirement accounts are protected. But it almost never is as cut-and-dry as your premise. Today most doctors are part of large insu...
by DualIncomeNoDebt
Tue Dec 23, 2014 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Getting Sued for] Malpractice
Replies: 46
Views: 4865

Re: Who should pay for this meal?

Venmo was created to address this. https://venmo.com/. Works great. Reclaim your hipster cred.
by DualIncomeNoDebt
Sun Dec 21, 2014 9:46 pm
 
Forum: Personal Consumer Issues
Topic: Who should pay for this meal?
Replies: 79
Views: 7915

Re: Do I Pay Cash for my home?

I absolutely would pay cash. Screw the banks. You'll save a ton on fees, and can tell them to pound sand when it comes to the document proctology exam you will avoid. Never paying some parasitic bank mortgage interest and/or PMI = priceless. In addition, people with mortgages aren't homeowners, they...
by DualIncomeNoDebt
Sun Dec 21, 2014 9:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I Pay Cash for my home?
Replies: 49
Views: 3960

Re: VWINX declining, any ideas why?

Every year this question arises, without fail.
by DualIncomeNoDebt
Thu Dec 18, 2014 5:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: VWINX declining, any ideas why?
Replies: 42
Views: 3912

Re: Looking to move inheritance from high-fee advisor

and inherited approximately $1M. . . . I've done a reasonable job (returns wise, though I wish more was in 401ks) managing my own investments by plunking them in a Vanguard fund, but I'm admittedly scared of messing around with such a large sum of money. Whether its $100k, $1MM, or $10MM, the same ...
by DualIncomeNoDebt
Wed Dec 17, 2014 7:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking to move inheritance from high-fee advisor
Replies: 30
Views: 3060

Re: Advise on getting out of car lease

And also, if the personal who takes over the lease default, I am still liable to pay the monthly lease!


As a general matter, no. Once the lease is transferred, all rights and obligations are transferred to the lessee.
by DualIncomeNoDebt
Tue Dec 09, 2014 9:41 pm
 
Forum: Personal Consumer Issues
Topic: Advise on getting out of car lease
Replies: 3
Views: 511

Re: Family jewels, kind of.

I don't care if they offered me 75% off. I'd be setting the tone for my marriage right from the get-go, and that would start by getting the rock you want, on your own, with your money, and without any meddling by family. Your purchase, your decision (along with your new bride's input). Set the tone,...
by DualIncomeNoDebt
Sat Dec 06, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Family jewels, kind of.
Replies: 44
Views: 3425

Re: mother-in-law wrecked our car

While perhaps not an insignificant sum to the OP, to put this in perspective, a sub-$30k auto accident is run-of-the-mill for any insurance company. You'll likely have a single claims investigator/adjustor on the whole thing; the insurance company legal department will hardly care. Truth. Insurance ...
by DualIncomeNoDebt
Sat Dec 06, 2014 12:26 am
 
Forum: Personal Consumer Issues
Topic: mother-in-law wrecked our car
Replies: 52
Views: 5395

Re: Ever wake up one day, and your whole life has changed? (

OT comment. I've been surprised at reasonable-quality firearms maintaining value. I would have thought modern guns would suffer massive depreciation like cars, computers, and furniture. But it simply isn't the case. Glock and S&W handguns, Benelli and Browning shotguns, for example, are still da...
by DualIncomeNoDebt
Sat Nov 29, 2014 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: [woke up] and whole life has changed. [disabled vet]
Replies: 26
Views: 6843

Re: Swap a lease?

Lease swaps can be good. Try to get something local so you can look it over; there's more risk with out-of-state leases getting transported to you. A big subsidy payment is nice, so I'd take a hard look for the good deals where someone absolutely needs to get rid of a newer-model car with decent mil...
by DualIncomeNoDebt
Sat Nov 29, 2014 9:15 pm
 
Forum: Personal Consumer Issues
Topic: Swap a lease?
Replies: 3
Views: 648

Re: Bit the Bullet Selling Wellesley buying bonds and VTSAX

Not so - if you fail to deliver funds to settle the trade, I assure you - you will be receiving a phone call, if you don't answer it, they might cancel the trade and could come after you for compensation if the market moves against the position. It's not so cut and dried, when you don't deliver the...
by DualIncomeNoDebt
Thu Nov 20, 2014 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bit the Bullet Selling Wellesley buying bonds and VTSAX
Replies: 5
Views: 1431

Re: Bit the Bullet Selling Wellesley buying bonds and VTSAX

May I ask if anyone from VG actually contacted you afterwards, simply to confirm that you launched these large transactions? Nothing a personal Vanguard investor does is "large," unless you are Gates, Buffett or a Saudi prince with billions at Vanguard. Reality check: United States intrad...
by DualIncomeNoDebt
Thu Nov 20, 2014 8:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Bit the Bullet Selling Wellesley buying bonds and VTSAX
Replies: 5
Views: 1431

Re: Pension buyout offer - Accept or reject

Sounds way low. If you can be assured the pension will have sufficient reserves to pay benefits decades from now, stay with the pension.
by DualIncomeNoDebt
Wed Nov 19, 2014 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension buyout offer - Accept or reject
Replies: 46
Views: 8113

Re: Extreme Generosity / Limiting Net Worth

(We could each realistically strive for lifetime 8-digit net worth, but doing so seems empty.) Not so. Consider an alternative. Accumulate as much as you can, and don't spend a penny for a number of years. Your goal: to set up a foundation to last multiple lifetimes. This is what many wealthy famil...
by DualIncomeNoDebt
Sun Nov 16, 2014 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Extreme Generosity / Limiting Net Worth
Replies: 113
Views: 22467

Re: What if I Never Buy a House?

Either don't buy, or engage in cost of living arbitrage. That is, find a locale you like anywhere on the planet where it is both cheap yet has what you want. Call it your planetary home base. Then go out and buy an inexpensive place, maybe with a little bit of land. Could be anywhere, either in a no...
by DualIncomeNoDebt
Sat Nov 08, 2014 12:45 am
 
Forum: Personal Finance (Not Investing)
Topic: What if I Never Buy a House?
Replies: 57
Views: 7642

Re: Adoption [Experience from those who have adopted]

Surprised to see so many adoptive parents. Don't know why. Maybe because I don't know anyone who has adopted children.
by DualIncomeNoDebt
Fri Oct 31, 2014 2:06 am
 
Forum: Personal Consumer Issues
Topic: Adoption [Experience from those who have adopted]
Replies: 39
Views: 5177

Re: Anyone consider retiring to Vancouver, Washington?

If you could afford a place on the Columbia River Gorge, it'd be perfect. We looked at some luxury riverfront condos, prices started at around $800k. That's expensive to some, but compared to New York or California coast, that's an unbelievable bargain (all relative). Spectacular setting, it's aweso...
by DualIncomeNoDebt
Fri Oct 31, 2014 1:51 am
 
Forum: Personal Consumer Issues
Topic: Anyone consider retiring to Vancouver, Washington?
Replies: 45
Views: 4678

Re: Should I buy a New Car?

Leasing: if you are dead-set on leasing, try to get into an existing lease. You can review available cars and lease terms on sites such as leasetrader.com, swapalease.com, and others. People lease cars, and for whatever reason need to get out of them, or can't afford them. Instead of breaching the c...
by DualIncomeNoDebt
Thu Oct 30, 2014 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I buy a New Car?
Replies: 21
Views: 1650

Re: $116k Med School Debt - Pay Off or PSLF?

No question, pay it off. Then put your wife's degree to work and get a high-paying job. Do it for five years, bank that money, and you will be very far ahead of the game. You could have a healthy retirement fund already set up at relatively young ages, or have the kids' college educations already pa...
by DualIncomeNoDebt
Thu Oct 30, 2014 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: $116k Med School Debt - Pay Off or PSLF?
Replies: 44
Views: 2798

Re: Subpoena

The board's counsel should prepare your response. A letter may be sufficient, but maybe not, as the board may want to interpose objections, etc. concerning the subpoena. Either way, nothing to be worried about. It's routine.
by DualIncomeNoDebt
Fri Oct 24, 2014 11:23 pm
 
Forum: Personal Consumer Issues
Topic: Subpoena [Received subpoena, how to proceed?]
Replies: 13
Views: 2309

Re: How to buy oil in the stock market?

OP, pass on this. Commodities markets are rigged, and the biggest fraud of them all is oil. Not an exaggeration given the significant CFTC and DOJ activity in many markets, including LIBOR, Forex, aluminum, gold, silver, and in the not-too-distant past copper, platinum, palladium, and everything els...
by DualIncomeNoDebt
Fri Oct 24, 2014 5:14 am
 
Forum: Investing - Theory, News & General
Topic: How to buy oil in the stock market?
Replies: 32
Views: 2358

Re: I feel I did the Right thing , but NOW WHAT?

What a mess. I feel for the OP. [OT comment removed by admin LadyGeek]
by DualIncomeNoDebt
Sun Oct 19, 2014 5:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: I feel I did the Right thing , but NOW WHAT?
Replies: 36
Views: 5419

Re: Making an offer today

DJB wrote:Now the negotiation begins. It will be interesting.


It won't be. Generally, three counters and either you have a deal, or you don't. And if you lowballed, which it sounds like you did, they may not even respond. I know how I would respond: my counter is full asking price. Don't like it? Walk.
by DualIncomeNoDebt
Sat Oct 18, 2014 5:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Making an offer today
Replies: 44
Views: 4950

Re: Got my first cold call - does this mean I've 'made it?'

kenyan wrote:Got my first cold call - does this mean I've 'made it?'


No.
by DualIncomeNoDebt
Thu Oct 16, 2014 8:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Got my first cold call - does this mean I've 'made it?'
Replies: 30
Views: 5695

Re: Re-entering market - all at once, or over time?

This question has been asked many, many times, and in many forms, be it DCA versus lump sum, investing a windfall, market risk, tail risk, etc. etc. etc. I would search all prior postings for a complete picture, as I imagine those who have given sage advice will simply ignore the topic. In the prior...
by DualIncomeNoDebt
Thu Oct 16, 2014 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Re-entering market - all at once, or over time?
Replies: 13
Views: 976

Re: How to write an effective complaint letter

protagonist wrote:battery died 14 months after purchase. Two months after the warranty expired.


Company will not care. Will. Not. They will tell you their obligation to you is the one-year written warranty, and not a day longer. You will be wasting time.
by DualIncomeNoDebt
Thu Oct 16, 2014 8:31 pm
 
Forum: Personal Consumer Issues
Topic: How to write an effective complaint letter
Replies: 27
Views: 1523

Re: Headed for a 300+ point loss today?

Let's see how far today's drop goes. AS a young investor this is finally some great news. I will be increasing my contributions in my Roth 403b and Roth IRA. I would never want to wish any harm on people's jobs/homes...but I do love seeing stocks in free fall. Risk assets have been propped up by ma...
by DualIncomeNoDebt
Thu Oct 16, 2014 6:15 am
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 36905

Re: Headed for a 300+ point loss today?

I mostly agree, with one caveat. During periods of heavy Fed intervention, the normal timescale is stretched out and warning signals can possibly be acted on in time to do some good. A problem has been general disdain for discussion about Federal Reserve and central bank action. I can't think of a ...
by DualIncomeNoDebt
Wed Oct 15, 2014 7:09 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 36905

Re: Feeling very fortunate today!

This discussion has "son of Plan B" written all over it. As for you 100% QQQ punters, good luck with 3x beta for 0.33 alpha.
by DualIncomeNoDebt
Wed Oct 15, 2014 6:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 73
Views: 11847

Re: Relatively new here. What did you do in 2008/09

I was a big-time lurker throughout the housing and stock market crash. In my opinion, the tone was measured by some, and apocalyptic by others. I second the "Plan B" reference, you should look at the posts from that time. Eye-opening and revelatory. Every single day, it seemed, another inv...
by DualIncomeNoDebt
Tue Oct 14, 2014 12:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 130
Views: 10373

Re: Help me not thinking about getting a brand new car

What's the warranty on a new car vs. a used car? Depends if you are purchasing a "certified pre-owned" vehicle. For example, Lexus CPO , it's three years or 100,000 miles on a CPO car, no deductible. That's pretty darn good on a used car, and it's why Lexus CPO is very popular. For MBenz ...
by DualIncomeNoDebt
Mon Oct 13, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: Help me not thinking about getting a brand new car
Replies: 16
Views: 1003

Re: Help me not thinking about getting a brand new car

What am I not seeing here? Should not brand new car cost a lot more than used one in the long run? What am I missing here? What you are missing is relatively low-priced, reliable commuter cars like Toyotas and Hondas have high residual values and low depreciation rates. Bargains are slim because pe...
by DualIncomeNoDebt
Mon Oct 13, 2014 8:48 pm
 
Forum: Personal Consumer Issues
Topic: Help me not thinking about getting a brand new car
Replies: 16
Views: 1003

Re: First meeting with real estate agent

I'm more in the browsing mode than dead set on buying, and I am sure I will want to be patient and learn as much as I can about the market before I'm ready to take the plunge? I wouldn't waste a real estate agent's time if you are on the buy side and merely are going to browse. You don't need a rea...
by DualIncomeNoDebt
Sat Oct 11, 2014 3:10 am
 
Forum: Personal Finance (Not Investing)
Topic: First meeting with real estate agent
Replies: 14
Views: 1555

Re: New B of A visa chip card, no pin needed?

U.S. banks are cheap and lazy. Pin/chip is superior to chip and signature. U.S. should have required pin/chip cards a decade ago. And even this technology is fast becoming outdated, given all the new single-use token security systems which are even more secure.
by DualIncomeNoDebt
Wed Oct 08, 2014 12:00 am
 
Forum: Personal Finance (Not Investing)
Topic: New B of A visa chip card, no pin needed?
Replies: 35
Views: 2805

Re: Bonds Beware

Thanks for this post. Love bonds. And this post at Zhedge was and is a very important one, highlighting the "risk-reward-regret" triangle in equities vs. bonds. Even in times of great financial stress, bonds are smooth sailing compared with stocks. Are you really being adequately compensat...
by DualIncomeNoDebt
Sun Oct 05, 2014 11:16 am
 
Forum: Investing - Theory, News & General
Topic: Bonds Beware
Replies: 34
Views: 5299

Re: Should I buy this house

Let me echo what others are saying on all counts. First, this house is way too expensive for where you are currently at in life. A $1.2 million anchor around your neck with eight large a month in debt payments, yet negligible savings and retirement accounts? House-poor chumps with zero flexibility; ...
by DualIncomeNoDebt
Wed Oct 01, 2014 3:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I buy this house
Replies: 37
Views: 2302

Re: Obese airline passenger

[OT comment removed by admin LadyGeek]
by DualIncomeNoDebt
Mon Sep 29, 2014 12:23 am
 
Forum: Personal Consumer Issues
Topic: Obese airline passenger
Replies: 62
Views: 5180

Re: Is Now a Good time to Buy Bonds ???

There's a whole lot to like about debt instruments which return principal plus a fixed rate of interest.
by DualIncomeNoDebt
Fri Sep 26, 2014 6:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Is Now a Good time to Buy Bonds ???
Replies: 19
Views: 2105
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