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Re: POLL: My home is worth less/more in 2014 than in 2007?

Craziness in the Bay Area, of course. Might I guess all those who voted "+20%" live here? Yup. Crazy. 2007 was the peak but Zillow says we gained a good 20% from 2007. We bought in 2005, so have seen somewhat better appreciation. But it was touch and go there for whilke as we were quite l...
by FoolStreet
Mon Jul 28, 2014 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 5739

Re: mom wants to "sell" me her condo for estate planning

We did this with FIL and it has largely worked out so far. FIL sold it for market value and gave a gift of equity for the difference between the loan and the market value. He had no other asserts to speak of and was going to foreclose anyway. His options at the time were to sell on open market and u...
by FoolStreet
Sun Jul 13, 2014 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: mom wants to "sell" me her condo for estate planning
Replies: 23
Views: 3030

Re: General AA advice and rebalancing plan - please critique

Sounds reasonable. You are changing by 4% per year. Given the fact that so much is new money, that seems fine. On the flip side, if your goal is 60\40 in 4 years, how much will that extra 15% stock matter over 4 years? With so much being added yearly, you could make the opposite argument. Go 60\40 i...
by FoolStreet
Tue Jul 08, 2014 5:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: General AA advice and rebalancing plan - please critique
Replies: 3
Views: 422

Re: Who are the BogleHeads.org heavyweights?

dickenjb wrote:Second the rec for bsteiner on estate and inheritance issues.

And let's not forget Alan S. who is the guru of all things IRA and Roth IRA.



Double +1
by FoolStreet
Sat May 31, 2014 10:30 pm
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 9193

Re: Housing affordability CA

$1K for childcare which will end next year when he enters kindergarten. Don't plan on it dropping. Not soon. K is only half day. Plus #2? Also, regardless of the house, all of the ESOP in on place is pretty scary. Probably worth diversifying. 450 down will be a big help. Consider a smaller house to...
by FoolStreet
Mon May 19, 2014 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Housing affordability CA
Replies: 19
Views: 2095

Re: Real estate rental w Magi >150k

I wanted to comment on two things that I learned: 1. The DTI impacts can impact your otherwise financial flexibility. Consider this: it is financially savvy to report your iphone, cel phone, home internet bills, any home repair tools or equipment. Someone mentioned the "visits to check on the p...
by FoolStreet
Thu Feb 27, 2014 11:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real estate rental w Magi >150k
Replies: 20
Views: 2218

Re: Pay extra on principal for Rental or Primary

I also vote pay extra on the primary residence. I'm also in a similar situation... Rental - $185k balance at 3.75% with 29 years remaining. Primary - $124k balance at 3.875% with 28 years remaining. If I have some extra cash here and there, I throw it at the primary. Yes, the interest rate is sligh...
by FoolStreet
Wed Feb 05, 2014 12:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Pay extra on principal for Rental or Primary
Replies: 17
Views: 876

Re: Bay area Public vs Private School

In the good old days, it was relatively easy to get into Stanford from Palo Alto HS, but that was when professors' children went to PAHS before Gunn existed. [See, I am older than dirt] I would look at admission rates (not totals) to Stanford and UC Berkeley as one way to judge a Bay Area high scho...
by FoolStreet
Sat Jan 25, 2014 1:11 pm
 
Forum: Personal Consumer Issues
Topic: Bay area Public vs Private School
Replies: 66
Views: 6887

Re: Bay area Public vs Private School

Either works. But budget a few thou for pu pic school fundraisers if you go that route. Good luck! WTH? Right when I thought Californians weren't as weird as I had thought. I pay a few thou in property tax, I'm certainly not going to toss that into a public school fundraiser. I thought my wife was ...
by FoolStreet
Tue Jan 14, 2014 1:18 am
 
Forum: Personal Consumer Issues
Topic: Bay area Public vs Private School
Replies: 66
Views: 6887

Re: Bay area Public vs Private School

Yeah, really need to know where you are now and any commute considerations. We moved for the schools but while it worked out, we sacrificed during the downturn. I suggest two options: A. Go big and make it happen. Its not Bogle community endorsed advice but it has worked for those of us here. B. Fin...
by FoolStreet
Tue Jan 14, 2014 12:56 am
 
Forum: Personal Consumer Issues
Topic: Bay area Public vs Private School
Replies: 66
Views: 6887

Re: This Stock Market run makes me want to payoff mortgage

This seemingly never ending bull market makes it very tempting to want to cash in a large portion of my portfolio and just payoff my mortgage. Of course practically speaking it's not feasible because most of it is tied up in retirement accounts. I just have that feeling that a big correction is com...
by FoolStreet
Sat Dec 21, 2013 6:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: This Stock Market run makes me want to payoff mortgage
Replies: 32
Views: 3394

Re: Consistent Yield & Duration to Help Choose TIPS Fund

In Oct 12 of last year, Simplegift asked for the layman "net," which was to stay short since the premium wasn't worth it. In the most recent monthly analysis (Thank you #Cruncher, by the way), it appears that the last few months have shown >1% premium for long vs. the next shortest fund. S...
by FoolStreet
Sat Dec 21, 2013 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: Consistent Yield & Duration to Help Choose TIPS Fund
Replies: 34
Views: 5152

Re: Buying a new car vs leasing

Purchasing a car isn't always the most cost effective. I leased my Subaru legacy for a mere $230/ month. At that rate, it is easily the same as depreciation of a new vehicle. I also chose not to buy the car outright as I want to keep my money where it is working for me where it has done very well i...
by FoolStreet
Tue Dec 17, 2013 3:08 pm
 
Forum: Personal Consumer Issues
Topic: Buying a new car vs leasing
Replies: 61
Views: 6069

Re: What to do first with an iPad Air 16GB?

Overdrive is as much of a must than Kindle, if not more. Enjoy!
by FoolStreet
Fri Dec 06, 2013 2:31 pm
 
Forum: Personal Consumer Issues
Topic: What to do first with an iPad Air 16GB?
Replies: 15
Views: 1910

Re: google does math

Touche! I didn't think about the assumption that the rocks were distinguishable, but now that you mention it, that makes perfect sense. Now, what if the rocks were not distinguishable? Its not a 4 choose 3 problem, because one girl will always carry at least more than one rock. Any suggestions? If ...
by FoolStreet
Fri Nov 22, 2013 7:04 pm
 
Forum: Personal Consumer Issues
Topic: google does math
Replies: 53
Views: 4126

Re: google does math

gatorking wrote:I think the correct answer is 24.
You can pick 3 rocks out of 4 in 4 ways.
You can distribute 3 rocks among 3 girls in 6 different ways.
Answer = 4x6 = 24.



Gatorking, good points but all four rocks must come home. So n > k.

Stumped
by FoolStreet
Fri Nov 22, 2013 2:42 pm
 
Forum: Personal Consumer Issues
Topic: google does math
Replies: 53
Views: 4126

Re: google does math

Daughter had a math question last night. How many ways could 3 kids carry four rocks We solved by brute force (15) but for the life of me I can't find the equation on the interwebs. This appears to be harder than typical combinations and permutations. You didn't limit the number of rocks per kid. L...
by FoolStreet
Fri Nov 22, 2013 2:39 pm
 
Forum: Personal Consumer Issues
Topic: google does math
Replies: 53
Views: 4126

Re: google does math

You can also use the google calculator to do "X choose Y" which is the number of unique combinations of x things chosen in groups of y. For example, if you have 4 kids (a,b,c,d) going on a 2 seat roller coaster and you want to know how many combinations are there of 2 kids, the answer is ...
by FoolStreet
Fri Nov 22, 2013 11:54 am
 
Forum: Personal Consumer Issues
Topic: google does math
Replies: 53
Views: 4126

Re: Convert traditional IRA to enable backdoor roth?

As mentioned on a previous post just now, can you in roll the IRA to her current 401k?
by FoolStreet
Thu Nov 21, 2013 12:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Convert traditional IRA to enable backdoor roth?
Replies: 13
Views: 885

Re: Portfolio with IBM 401k Review Request

First, your IBM fund ERs are awesome.

Second, you should definitely roll-IN your IRA to your IBM 401k.

Make sense? Call your IBM 401k help desk and ask for the forms.


Then rebalance to your AA using the IBM 401k index funds.


Please ask if you have any questions.
by FoolStreet
Wed Nov 20, 2013 11:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio with IBM 401k Review Request
Replies: 5
Views: 914

Re: Comcast Premium Entertainment Reward Offer

Sorry, AT&T Uverse here so no help. My year promotion is up though so now I'm dreading my next bill... :annoyed Always, always call up at the end of the contract and ask for promo prices going forward. You might say, "I was looking at switching to xfinity and wanted to know what you could ...
by FoolStreet
Wed Nov 20, 2013 11:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Comcast Premium Entertainment Reward Offer
Replies: 5
Views: 798

Re: My experience buying a 2013 Prius

For saving 350, how did you do on the trade-in? Did you compare to craigslist prices?

Have fun. I love my Prius! Look into an after market hitch for a bike rack.
by FoolStreet
Mon Nov 04, 2013 9:07 am
 
Forum: Personal Consumer Issues
Topic: My experience buying a 2013 Prius
Replies: 20
Views: 3381

Re: Pension Rollover Questions

How stable is the company? That's a great point. I assume the point of a cash value pension is that it is more stable than most. The company is as stable as you would expect of an old school tech company that has reinvented itself. While it definitely goes out of favor from time time, most would sa...
by FoolStreet
Wed Oct 23, 2013 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Pension Rollover Questions
Replies: 5
Views: 427

Re: Pension Rollover Questions

Leaving it further diversifies your fixed income. At retirement taking the pension will ease your cash flow requirements. Okay, my concern is that it would earn zero real, or possibly a slight negative real for the next 15-20 years. But if you are saying that the cash account interest rate isn't th...
by FoolStreet
Tue Oct 22, 2013 4:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pension Rollover Questions
Replies: 5
Views: 427

Pension Rollover Questions

My wife is taking a new job and we're trying to determine what to do with her cash value pension (For reference: it's about $50k, and we are newly minted members of two-comma club). We can leave it where it's at, or roll it over to a Traditional IRA (we would pick Vanguard). If we roll it over, we c...
by FoolStreet
Tue Oct 22, 2013 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pension Rollover Questions
Replies: 5
Views: 427

Re: Will i have enough to retire at Age59?

I think you forgot to factor inflation. Take your 1.78 and apply a NPV using the inflation rate say 3% to bring it back to today's dollars. Then apply your 4% safe withdrawal rate.

You are probably looking at around 25k/ year in today's dollars. Sorry.
by FoolStreet
Mon Sep 30, 2013 9:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Will i have enough to retire at Age59?
Replies: 15
Views: 2325

Re: Accessing Retirement in Emergency

Can you consider drastic cuts to your expenses? Cars, cable TV, gym. Rent a room in your house, etc?

Sorry. Best luck.
by FoolStreet
Sun Sep 29, 2013 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Accessing Retirement in Emergency
Replies: 4
Views: 732

Re: Passive activity loss adjustment for rental property

kaneohe wrote: Another thought......perhaps consider adding income like Roth conversions.



Mind blown. Is this real?
by FoolStreet
Sun Sep 29, 2013 10:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Passive activity loss adjustment for rental property
Replies: 15
Views: 2125

Re: An investment in CO (climbing)

great fun! I'd love to add it to the bucket list :-) Would you mind sharing the costs and whether you used a paid guide to run the sharp end of the rope up? My most memorable climb was Cathedral Peak in Yosemite. 1k vertical climbing starting at 10k feet. 360 deg views from a tabletop perch at the t...
by FoolStreet
Sat Sep 28, 2013 9:12 pm
 
Forum: Personal Consumer Issues
Topic: An investment in CO (climbing)
Replies: 18
Views: 1638

Re: How Close Are You To Your Number and Financial Independe

I just checked. I'm 40 now and have a target for retiring at 55, figuring I could easily work longer if needed. We have about $1M in 401k, and if left at a 7% growth rate, 2% inflation, then I'll hit about $2.5M in 15 years, assuming no additional contributions. If I add Roth and 25k ea contribution...
by FoolStreet
Sat Sep 28, 2013 12:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Close Are You To Your Number and Financial Independence?
Replies: 71
Views: 6255

Re: Reverse Mortgage == Last Resort Loan ?

Banks care much less about net worth than they do about cash flow (income). If you don't have cash flow, you will have a very hard time getting a loan. My in-laws look at a reverse mortgage as they were in a tough spot. In the end, we bought the house from them and rent it back for a very small amo...
by FoolStreet
Fri Sep 27, 2013 9:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Reverse Mortgage == Last Resort Loan ?
Replies: 28
Views: 2966

Re: Best way to collect rent?

If he has Bank of America. You can open a new Bank of america account. Then he can email, text the payments to your bank of america account without giving out bank account number and routing. Bank of america has this feature Right. Just don't do anything that requires a 5 or 7 cent test deposit. Th...
by FoolStreet
Fri Sep 27, 2013 12:08 am
 
Forum: Personal Consumer Issues
Topic: Best way to collect rent?
Replies: 23
Views: 2011

Re: Father left my Mother Suddenly, Need advice

My father left my mother yesterday, left a note and not much else. We are working on getting some communication, but for now assume there is none. My mom basically left all things finance to my dad so she has no idea of what is where. She is very smart and capable, but is starting at a disadvantage...
by FoolStreet
Mon Sep 23, 2013 12:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Father left my Mother Suddenly, Need advice
Replies: 64
Views: 9862

Re: Can I afford a house payments in Bay Area?

I have included all my details. I apologize if I have missed out any. Gross Salary: Base salary: 109 K (bonus might be possible) Money Saved: 1. 120K (Money Market + Checking) 2. 29K CD 3. 20K IRA 4. 46K 401K I have not debts. Car payments, student loans all paid off. The rent for a 1 BHK is about ...
by FoolStreet
Wed Aug 14, 2013 12:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a house payments in Bay Area?
Replies: 33
Views: 3234

Re: Google Chromecast Streaming HDMI Media Player

ejvyas wrote:
FoolStreet wrote:I just received notification that my chrome shipped.

:shock:



Maybe they are shipping the cast separately? Ha
by FoolStreet
Sat Aug 10, 2013 5:59 pm
 
Forum: Personal Consumer Issues
Topic: Google Chromecast Streaming HDMI Media Player
Replies: 75
Views: 7399

Re: Google Chromecast Streaming HDMI Media Player

Received Chromecast yesterday,Netflix coupon today.Net cost ,12 dollars and change. Device works superbly streaming to TV via phone,Nexus 7 and Samsung Chromebook,it is a game changer :happy I agree, it is a game changer (at least for me). It did take me longer to set up than I thought it might, st...
by FoolStreet
Sat Aug 10, 2013 5:11 pm
 
Forum: Personal Consumer Issues
Topic: Google Chromecast Streaming HDMI Media Player
Replies: 75
Views: 7399

Re: Opinion on taking 2yr break from substantive retirement

[quote="MathWizard"]The only thing scary is the ARM.

Nah. Once you are in, you are in. The value is in the margin. And Who says rates will spike? The risk isn't until year 10 anyway. Who knows what the OPs situation will be then anyway.
by FoolStreet
Fri Aug 09, 2013 5:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opinion on taking 2yr break from substantive retirement inv?
Replies: 48
Views: 5603

Re: Google Chromecast Streaming HDMI Media Player

Received Chromecast yesterday,Netflix coupon today.Net cost ,12 dollars and change. Device works superbly streaming to TV via phone,Nexus 7 and Samsung Chromebook,it is a game changer :happy Can you test stream amazon prime for me pretty please? ;-) I was unable to stream Amazon Prime. Here is the ...
by FoolStreet
Fri Aug 09, 2013 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Google Chromecast Streaming HDMI Media Player
Replies: 75
Views: 7399

Re: Google Chromecast Streaming HDMI Media Player

Toons wrote:Received Chromecast yesterday,Netflix coupon today.Net cost ,12 dollars and change. Device works superbly streaming to TV via phone,Nexus 7 and Samsung Chromebook,it is a game changer :happy



Can you test stream amazon prime for me pretty please? ;-)
by FoolStreet
Thu Aug 08, 2013 10:06 pm
 
Forum: Personal Consumer Issues
Topic: Google Chromecast Streaming HDMI Media Player
Replies: 75
Views: 7399

Re: Google Chromecast Streaming HDMI Media Player

Received email today from Amazon... .Nov . shipment. Today was a good reason to have the stick.. PGA live was only live (early AM) on internet...could have cast it via Chrome. Mine is set to ship from Google by 8/16 I'd live to hear any success stories from anyone who has been able to stream amazon...
by FoolStreet
Thu Aug 08, 2013 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Google Chromecast Streaming HDMI Media Player
Replies: 75
Views: 7399

Re: Muni Bond Fund appropriate for Emergency Fund?

Is a Muni Bond fund such as Vanguard Long-Term Tax-Exempt Fund Investor Shares (VWLTX) an appropriate place for some percentage of one's Emergency Fund. Personally I keep a 15 month emergency fund and would like to see a bit more of a return but not looking to meaningfully increase risk. Right now ...
by FoolStreet
Wed Aug 07, 2013 10:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Muni Bond Fund appropriate for Emergency Fund?
Replies: 24
Views: 1853

Re: Google Chromecast Streaming HDMI Media Player

- Though I use Play for streaming music, I buy all my movies from amazon due to the xbox/iphone/android portability. For this reason, I don't see using the Chromecast for rented movies just yet. Overall, still very happy with the purchase, considering the price. I did get the Netflix rebate, althoug...
by FoolStreet
Wed Aug 07, 2013 10:36 pm
 
Forum: Personal Consumer Issues
Topic: Google Chromecast Streaming HDMI Media Player
Replies: 75
Views: 7399

Re: Fixed Annuity vs CD's

Looking to invest a portion of some new money somewhere other than my Spartan US Bond Index fund. I was considering laddering a CD, but was ask to consider a fixed annuity. One company allows for 10% liquidity per year after the first year, and there was a mention of some protection through a state...
by FoolStreet
Tue Aug 06, 2013 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Fixed Annuity vs CD's
Replies: 6
Views: 531

Re: What to do with 230K?

Hello, This is my first post. My spouse and I have around 230K sitting in a Capital One 360 savings account. We would like to invest at least some of this money, as we will not need it for at least the next 4 years, possibly longer. Here is some information about us: - We are both in our mid-30's, ...
by FoolStreet
Sun Jul 28, 2013 12:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 230K?
Replies: 29
Views: 23095

Re: Google Chromecast Streaming HDMI Media Player

Anyone know the best way to get streaming Amazon Prime (on my TV)? Right now, I have an Apple TV but it blocks Prime. Chromecast looks awesome but so far I buy my shows from Apple TV so it is redundant. Finally, we use a receiver, so connecting chromecast to the TV doesn't let me take advantage of m...
by FoolStreet
Thu Jul 25, 2013 11:02 pm
 
Forum: Personal Consumer Issues
Topic: Google Chromecast Streaming HDMI Media Player
Replies: 75
Views: 7399

Re: How to get over finance envy

For reinforcement on your chosen path, you might want to read "The Millionaire Next Door". http://www.amazon.com/The-Millionaire-Next-Door-Surprising/dp/1589795474/ref=sr_1_1_ha?ie=UTF8&qid=1373333469&sr=8-1&keywords=the+millionaire+next+door Those that put on a show of wealth...
by FoolStreet
Tue Jul 09, 2013 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: How to get over finance envy
Replies: 167
Views: 17195

Re: Beef brisket

I will be smoking beef brisket later this week (purchased 2 pieces both about 8 pounds each). This was attempted once and it was obviously not smoked long enough (6 hours). Any suggestions for this? Equipment is a Weber smoker. I will be using charcoal and wood chips. I have been very successful wi...
by FoolStreet
Sun Jun 16, 2013 7:52 pm
 
Forum: Personal Consumer Issues
Topic: Beef brisket
Replies: 53
Views: 6103

Re: Neuberger Berman passive total bond Index

Thanks Telemark. I went ahead and bought a sliver of each of NB's TBM and VG's TIPS funds today. This was a really big step for me since I've never actively gone out of my way to buy a bond fund really before. I'm now at about 80/20 Stocks:Bonds at 40yo right now. Yeah, bond yields suck and there is...
by FoolStreet
Fri May 10, 2013 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Neuberger Berman passive total bond Index
Replies: 2
Views: 443

Neuberger Berman passive total bond Index

I am looking for any advice on selecting a bond fund in my 401k. I have a "total bond fund" that tracks the Barclay's Index and has been passively managed for the past 3 years. It has an expense ratio of .06% which is great, but I do note that the fund slightly underperforms the Index. The...
by FoolStreet
Fri May 10, 2013 10:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Neuberger Berman passive total bond Index
Replies: 2
Views: 443

Re: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!

I just received my preliminary portfolio recommendations back from the Vanguard CFP on line last night. Even with a 1.8M portfolio, no debts and needing only 11,500/yr income stream within the next 1 to 4 yrs. from retirement at age 66, I never in my wildest dreams expected this AA from Vanguard. M...
by FoolStreet
Thu May 09, 2013 6:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!
Replies: 73
Views: 7369
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