Search found 166 matches

by FoolStreet
Sat Aug 29, 2015 10:36 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 539
Views: 87210

Re: Boglehead Beer

I love Firestone's Easy Jack - cheap 6-pack at Trader Joe's - but the calories for Beer during the season kill. I prefer a 30 pack of MGD 64 for 19.99. Wets the whistle and will be one less thing to blame my lack of six-pack abs.
by FoolStreet
Sat Aug 29, 2015 10:29 am
Forum: Personal Consumer Issues
Topic: Prius owners and rest of Bogleheads
Replies: 33
Views: 2216

Re: Prius owners and rest of Bogleheads

Another vote for diesel. Over 38,000 miles on my 2013 Passat, I've averaged 44 mpg. We average over 50 in the Prius on highway -- regular gas. And we don't have to deal with VW reliability. Yeah, the Prius is a great car. But I just wanted to point out alternatives. The 44 mpg we've obtained is ove...
by FoolStreet
Fri Aug 28, 2015 11:19 pm
Forum: Investing - Help with Personal Investments
Topic: Large amount of cash reserves waiting for downturn?
Replies: 18
Views: 2177

Re: Large amount of cash reserves waiting for downturn?

I've been through the last downturn in the Bay Area and my recommendation is to keep your powder dry. Don't pay down your mortgage. Some reasons: Your current house is not in a good school district. Therefore it will lose waaay more than a desirable home. Your neighbors will will have foreclosure an...
by FoolStreet
Fri Aug 28, 2015 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: E-fund Strategy & Taxable Investing
Replies: 4
Views: 1127

Re: E-fund Strategy & Taxable Investing

Good stuff. Quick point, I didn't realize there was a ST TE fund I n addition to LT TE. So, I suppose there is some TLH that can be done, by moving from LT to ST for 30 days when rates rise. I suppose I could do the same for CA Long Term into CA Int Term, similarly. for TLH. Thank you Live soft - I ...
by FoolStreet
Fri Aug 28, 2015 11:43 am
Forum: Investing - Help with Personal Investments
Topic: E-fund Strategy & Taxable Investing
Replies: 4
Views: 1127

Re: E-fund Strategy & Taxable Investing

1. Yes. Just know that right now, the 30 day SEC yield on VMLTX is only .97%, though, and a high-yield savings online can get you 1.05%. You pay more taxes in that high-yield savings account, but is that $70 a year difference (assuming 33% federal tax rate) worth the complexity of multiple accounts...
by FoolStreet
Fri Aug 28, 2015 2:21 am
Forum: Investing - Help with Personal Investments
Topic: E-fund Strategy & Taxable Investing
Replies: 4
Views: 1127

E-fund Strategy & Taxable Investing

Goal: Hold 6-9-12 months Efund. Layer up risk/return within the e-fund category. Beyond the efund category, start true taxable investing Background: We've historically saved most of our dough in 401ks, so we're really excited to build up a big e-fund in our taxable accounts, and begin investing in e...
by FoolStreet
Thu Aug 27, 2015 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you donate to your kid's public school?
Replies: 60
Views: 4427

Re: How much do you donate to your kid's public school?

This is a sensitive issue and there are two realities: #1. The request is a burden for you. #2. The need and the benefit is real. Ummmm isn't this why the cost of public school is supposed to be spread out evenly amongst the community the school serves? Paying for public school is a weird concept t...
by FoolStreet
Thu Aug 27, 2015 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you donate to your kid's public school?
Replies: 60
Views: 4427

Re: How much do you donate to your kid's public school?

This is a sensitive issue and there are two realities: #1. The request is a burden for you. #2. The need and the benefit is real. No one wants to ask you to burden yourself at all. Trust me. The pressure should not be that great. Do what you feel good about, then increase it by 10-20% or more next y...
by FoolStreet
Thu Aug 06, 2015 12:56 am
Forum: Personal Finance (Not Investing)
Topic: Paying mortgage down to $1M - am I thinking about this correctly?
Replies: 17
Views: 2433

Re: Paying mortgage down to $1M - am I thinking about this correctly?

So what funds did you decide to use to save in Taxable? Is the mega back door Roth available to you?

We will probably split our taxable between CA in term Tax Exempt and National Taxxempt.
by FoolStreet
Thu Aug 06, 2015 12:52 am
Forum: Personal Finance (Not Investing)
Topic: Tax questions when selling a rental property
Replies: 24
Views: 1524

Re: Tax questions when selling a rental property

Why wouldn't it be 410-100 less any sales costs? I see some are advising on depreciation, but it sounds like mom was not sophisticated to clam depreciation to begin with, so why recapture it?
by FoolStreet
Sat Jul 25, 2015 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Paying mortgage down to $1M - am I thinking about this correctly?
Replies: 17
Views: 2433

Re: Paying mortgage down to $1M - am I thinking about this correctly?

We are in a similar situation. We owe $1.247M 30 yr fixed 3.875. In your case paying 16k down is a no brainier. In our case, I don't think we can have too much liquid funds. I'll invest in tax free bond funds now and bulk up non-401k funds.
by FoolStreet
Wed May 27, 2015 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: CalSTRS, CalPERS and having to choose one or both
Replies: 8
Views: 724

Re: CalSTRS, CalPERS and having to choose one or both

My mom did the equivalent of #2, although backwards to your wife (admin first, then teacher). It worked well. I would tend to recommend it. Having said that, once you are in, won't she want to stay in? Your username implies you are in SF and that has serious implications for affordability as a 30 yo...
by FoolStreet
Wed Apr 29, 2015 6:38 am
Forum: Personal Consumer Issues
Topic: Getting the stink out of running clothes
Replies: 34
Views: 2592

Re: Getting the stink out of running clothes

Try Nathan penguin soap from REI or Amazon.
by FoolStreet
Fri Apr 24, 2015 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Cost to setup a Living Trust?
Replies: 29
Views: 2737

Re: Cost to setup a Living Trust?

Last year, I setup a living trust, 2 wills and healthcare directives through my employer's legal plan. IIRC, the attorney told me that if I didn't go through the legal plan, it would have cost $1800. This is in the SF bay area. Indexfundfan, can you tell us more about the process, please? My wife h...
by FoolStreet
Fri Apr 24, 2015 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Cost to setup a Living Trust?
Replies: 29
Views: 2737

Re: Cost to setup a Living Trust?

Last year, I setup a living trust, 2 wills and healthcare directives through my employer's legal plan. IIRC, the attorney told me that if I didn't go through the legal plan, it would have cost $1800. This is in the SF bay area. Indexfundfan, can you tell us more about the process, please? My wife h...
by FoolStreet
Thu Mar 05, 2015 2:37 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA as e-fund, really? Mortgage lender won't count
Replies: 8
Views: 1349

Roth IRA as e-fund, really? Mortgage lender won't count

Friends, I have been excited to save close to $40k in Roth IRAs through back-door conversions, but in applying for a refinance, I'm told the lender will not count the funds as part of their requirement for reserves, because it is considered, "retirement accounts." In previous posts, I expl...
by FoolStreet
Tue Feb 24, 2015 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed Annuity -- what's the deal?
Replies: 53
Views: 4495

Re: Fixed Annuity -- what's the deal?

My mom has recently asked for my advice on whether she should buy a CD-like instrument from Midland. I'm guessing it is in the 10-40k range. Taxable account. She is retired with a teachers pension. I told her that annuities are usually bad investments and I don't recommend it. In reading this thread...
by FoolStreet
Tue Feb 10, 2015 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: How to deal with ESPP/RSUs in portfolio, and other questions
Replies: 6
Views: 925

Re: How to deal with ESPP/RSUs in portfolio, and other quest

Hi. I personally like to sell the day of vesting, then transfer the cash to the appropriate savings vehicle. For example, I might then use the funds to sit as cash in my efund or deposit into IRA or in your case transfer it into an appropriate down payment savings bucket (perhaps not cash, but maybe...
by FoolStreet
Sat Dec 27, 2014 12:20 pm
Forum: Personal Consumer Issues
Topic: Goodish frozen supermarket chicken nuggets?
Replies: 23
Views: 2308

Re: Goodish frozen supermarket chicken nuggets?

You have 26k posts. The least I can do is chime in here. I've come to the realization that chicken nuggets are basically fried chicken pieces. To make them healthy, try to get whole chicken pieces, or even make them at home baked. For store bought, my favorite are these free range ones from Costco h...
by FoolStreet
Wed Oct 15, 2014 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Query re Vanguard holdings in Fidelity 401K plan
Replies: 2
Views: 382

Re: Query re Vanguard holdings in Fidelity 401K plan

My old 401k was similar. It had a mutual fund window, in which one could use a multitude of fund, target date and the normal basic vanguard funds. I realized I had he best access to these vanguard funds at institutional ERs and so kept the old 401k where it is. You can do the same. Pro: great ERs an...
by FoolStreet
Sat Oct 11, 2014 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Income Fund vs. Total Bond Market
Replies: 32
Views: 2753

Re: Stable Income Fund vs. Total Bond Market

I am really surprised at the recommendations to stay in the stable value fund. 1.74 is barely inflation. That is like saying you plan to invest for the long term but see zero real increase to that money. I would expect that TBM will at least have some real yield. Long term, I'm not sure that modest ...
by FoolStreet
Fri Sep 26, 2014 9:08 am
Forum: Personal Consumer Issues
Topic: headphones for running
Replies: 40
Views: 2032

headphones for running

Which headphones do you use for running? I hate when the running jiggles them out of my ears. I don't like the ear wrap ones because the sometimes jiggle out of the canal yet still hang on the ear. I've had some success with regular ones with their thin cloth :wink: covering. Also, I had a pair made...
by FoolStreet
Wed Sep 24, 2014 5:19 pm
Forum: Personal Consumer Issues
Topic: Car buying/leasing...
Replies: 6
Views: 618

Re: Car buying/leasing...

I can't see how your question is relevant. Sorry. Here's what I would do (did do). a. Research the car you want and determine the price you want to pay (capcost), then determine the lease factors. Build a spreadsheet that calculates your monthly payment for the given capcost. Negotiate the car price...
by FoolStreet
Tue Sep 16, 2014 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Pension Lump Sum - New Question
Replies: 11
Views: 1293

Re: Pension Lump Sum - New Question

I have a similar option. 86k lump sum option or 412/mo starting today. I calculated 40 years at 1-2% and came up with a NPV of 135k. This implied that the pension was better than the lump sum. My quandary is that I'm years from retirement and since this is not inflation adjusted 412/mo in 10 years w...
by FoolStreet
Thu Sep 11, 2014 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Neuberger Berman passive total bond Index
Replies: 3
Views: 696

Re: Neuberger Berman passive total bond Index

It has been over a year and no comments on this TBM bond fund topic. Not a big deal at all, except I'm surprised that no one from Megacorp seems to be a Boglehead regarding this TBM fund. (?)
by FoolStreet
Tue Sep 09, 2014 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: AT&T Stable Value Fund
Replies: 19
Views: 2629

Re: AT&T Stable Value Fund

I don't think I would make it a replacement per set, but it should be a good choice. I personally am considering splitting the bond portion of my portfolio into thirds for diversification: TBM, Stable Value and TIPs fund. The benefit of TBM is the negative correlation, is, flight to quality in a dow...
by FoolStreet
Tue Sep 09, 2014 10:29 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 185
Views: 15180

Re: Good Modern Science Fiction

Check out The Expanse series. SyFy Channel is picking it up for 2015. Book 1 is a cross between space detective noir and Serenity-style space opera. Book 2 is full on space opera fun. Book 4 just came out and there is a hint of galactic Stargate. Lots of fun. Read it now so that you can be one of th...
by FoolStreet
Mon Jul 28, 2014 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 6982

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
Sun Jul 13, 2014 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: mom wants to "sell" me her condo for estate planning
Replies: 23
Views: 3258

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
Tue Jul 08, 2014 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: General AA advice and rebalancing plan - please critique
Replies: 3
Views: 460

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
Sat May 31, 2014 9:30 pm
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 10520

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
Mon May 19, 2014 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Housing affordability CA
Replies: 22
Views: 2792

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
Thu Feb 27, 2014 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate rental w Magi >150k
Replies: 20
Views: 2732

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
Tue Feb 04, 2014 11:56 pm
Forum: Investing - Help with Personal Investments
Topic: Pay extra on principal for Rental or Primary
Replies: 17
Views: 937

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
Sat Jan 25, 2014 12:11 pm
Forum: Personal Consumer Issues
Topic: Bay area Public vs Private School
Replies: 66
Views: 11230

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
Tue Jan 14, 2014 12:18 am
Forum: Personal Consumer Issues
Topic: Bay area Public vs Private School
Replies: 66
Views: 11230

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
Mon Jan 13, 2014 11:56 pm
Forum: Personal Consumer Issues
Topic: Bay area Public vs Private School
Replies: 66
Views: 11230

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
Sat Dec 21, 2013 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: This Stock Market run makes me want to payoff mortgage
Replies: 32
Views: 3450

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 11:11 am
Forum: Investing - Theory, News & General
Topic: Consistent Yield & Duration to Help Choose TIPS Fund
Replies: 70
Views: 12546

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
Tue Dec 17, 2013 2:08 pm
Forum: Personal Consumer Issues
Topic: Buying a new car vs leasing
Replies: 61
Views: 6449

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
Fri Dec 06, 2013 1:31 pm
Forum: Personal Consumer Issues
Topic: What to do first with an iPad Air 16GB?
Replies: 15
Views: 1959

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 Nov 22, 2013 6:04 pm
Forum: Personal Consumer Issues
Topic: google does math
Replies: 53
Views: 4261

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 1:42 pm
Forum: Personal Consumer Issues
Topic: google does math
Replies: 53
Views: 4261

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 1:39 pm
Forum: Personal Consumer Issues
Topic: google does math
Replies: 53
Views: 4261

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 10:54 am
Forum: Personal Consumer Issues
Topic: google does math
Replies: 53
Views: 4261

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
Wed Nov 20, 2013 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Convert traditional IRA to enable backdoor roth?
Replies: 13
Views: 934

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
Wed Nov 20, 2013 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio with IBM 401k Review Request
Replies: 5
Views: 1326

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 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Comcast Premium Entertainment Reward Offer
Replies: 5
Views: 890

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
Mon Nov 04, 2013 8:07 am
Forum: Personal Consumer Issues
Topic: My experience buying a 2013 Prius
Replies: 20
Views: 3554

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
Wed Oct 23, 2013 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Pension Rollover Questions
Replies: 5
Views: 487

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...

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