Search found 1098 matches

by Rainier
Fri Aug 28, 2015 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Prepaying Mortgage Question
Replies: 24
Views: 2414

Re: Prepaying Mortgage Question

I'm not gonna beat around the bush. What was the medical emergency and how is the resort possibly liable? When I hear medical emergency I think heart attack, stroke, appendicitis, etc. when I think of liability I think of a slip and fall or resort spraying highly toxic pesticides in my room. Also, a...
by Rainier
Fri Aug 28, 2015 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund or debt?
Replies: 15
Views: 901

Re: Emergency fund or debt?

Seems like you are figuring it out and paying down the debt. Lots of good suggestions above.

My only suggestion is to reiterate selling things you don't need. eBay/craigslist
by Rainier
Mon Aug 24, 2015 2:04 pm
Forum: Investing - Theory, News & General
Topic: VHT down 27% - Glitch or missed opportunity
Replies: 59
Views: 6910

Re: VHT down 27% - Glitch or missed opportunity

Check out VGSH on the upside this morning! Up over 10% for a short term govt bond fund. About even for the day right now. Ouch for the guy who placed the market buy order.

A big red flag that even very large ETFs are far from efficient (not VGSH, that is pretty small).
by Rainier
Sun Aug 09, 2015 3:33 pm
Forum: Investing - Theory, News & General
Topic: Berkshire and Precision Castparts
Replies: 13
Views: 915

Re: Berkshire and Precision Castparts

LAlearning wrote:And we care why?


I don't care about the vast majority of posts in the forum but I don't point it out every time.
by Rainier
Sat Aug 08, 2015 8:24 pm
Forum: Investing - Theory, News & General
Topic: Interest rate forecasts are garbage and best ignored
Replies: 20
Views: 1961

Re: Interest rate forecasts are garbage and best ignored

Well the Federal Reserve determines the actual interest rate. When they say they are raising the rates in the coming years the 4-5 star long-term bond fund ads start to be seen in the papers. Going anything but short-term now doesn't make cents to the dollar. It's not market timing just some positi...
by Rainier
Fri Aug 07, 2015 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for Allocation Advice please
Replies: 11
Views: 878

Re: Looking for Allocation Advice please

Thanks everyone for your responses. I'll use the weekend to add a +/- % to each of the investments to give a better idea of their performance. As for the split I chose 65/35, I just based that on some of the posts I read for Age - 10% I wasn't sure if that was aggressive or not. I did think that wa...
by Rainier
Sat Aug 01, 2015 9:14 pm
Forum: Investing - Theory, News & General
Topic: Zero Interest Rates on I-Bonds
Replies: 20
Views: 2442

Re: Zero Interest Rates on I-Bonds

If your holding period is less than 5 years you can sell without a three month interest penalty during this period (just check the calculator to ensure the right timing).

Actually, you still pay the penalty, in this case it is $0.
by Rainier
Sat Aug 01, 2015 2:18 pm
Forum: Personal Consumer Issues
Topic: Crab Grass
Replies: 33
Views: 2785

Re: Crab Grass

Thanks all, very encouraging. Glad to know I should be able to have it under control in a few years with a little work. At this point it's not that bad. I mean there is a lot of crabgrass, but compared to the barren dirt this spring, it looks fine from the house and it is holding my soil/nutrients i...
by Rainier
Sat Aug 01, 2015 12:23 pm
Forum: Personal Consumer Issues
Topic: Crab Grass
Replies: 33
Views: 2785

Re: Crab Grass

You just have to be consistant with working on killing, pulling, and removing unwanted growth on a regular basis. I moved into this home in June, and the previous owner hadn't done anything for some time. I treated with Bayor product to kill crabgrass twice, two weeks apart, then used spot treatmen...
by Rainier
Sat Aug 01, 2015 10:05 am
Forum: Personal Consumer Issues
Topic: Crab Grass
Replies: 33
Views: 2785

Crab Grass

Looking for some thoughts on how to tackle my crab grass problem. I live in Connecticut. Last summer we were doing construction on our house and our yard got destroyed. This spring we tried to re-seed but then went a month without any rain and I couldn't get the seed to grow with my manual sprinkler...
by Rainier
Fri Jul 31, 2015 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Chip and pin credit cards?
Replies: 28
Views: 2959

Re: Chip and pin credit cards?

The systems are compatible. I used my chip and sig in Europe with no issues. Instead of entering a PIN the receipt comes out of the machine with a signature line.

In an automated machine the card just worked without a PIN, although I have heard others have had issues.
by Rainier
Fri Jul 31, 2015 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Chip and pin credit cards?
Replies: 28
Views: 2959

Re: Chip and pin credit cards?

If you aren't a credit card company who cares? You aren't liable for unauthorized charges, period.

If the credit card companies were going bankrupt because of this they would obviously change. Cost benefit doesn't justify at this point.
by Rainier
Fri Jul 31, 2015 5:06 am
Forum: Investing - Help with Personal Investments
Topic: My Portfolio and My Investing Behavior
Replies: 15
Views: 1641

Re: My Portfolio and My Investing Behavior

Still more work to be done. Yes indeed. I'd suggest developing an IPS. Adjust your portfolios to match your IPS and stick with it. Take the behavior and emotion out of investing. Saying you "like dividends" sounds like you are a 6 year old that throws a fit if you don't get a candy bar ev...
by Rainier
Thu Jul 30, 2015 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: My Portfolio and My Investing Behavior
Replies: 15
Views: 1641

Re: My Portfolio and My Investing Behavior

Okay, I updated my original post to show unrealized gains in the taxable account.

Also, sold some small positions in my taxable account that had minimal gain/losses to simplify a little. Still more work to be done.
by Rainier
Thu Jul 30, 2015 5:47 am
Forum: Investing - Help with Personal Investments
Topic: My Portfolio and My Investing Behavior
Replies: 15
Views: 1641

Re: My Portfolio and My Investing Behavior

Wow, some very thoughtful and useful information that I will digest. I will sell some of these easy small pieces in my taxable and update the holdings with gains. Probably not until tonight. Also, what about selling all of taxable and paying down the HELOC? The $650 I put toward the heloc each month...
by Rainier
Wed Jul 29, 2015 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Asset Allocation
Replies: 8
Views: 617

Re: HSA Asset Allocation

I have two pieces. My HSA bank account that I keep funds to cover my deductible if needed. Mostly pay out of pocket now though so this isn't touched.

The rest is at Saturna and part of my retirement allocation. Even so, I still have 80% s/t bonds and 20 small cap value in this account.
by Rainier
Wed Jul 29, 2015 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Puerto Rico Muni Bonds: Hard-To-Sell
Replies: 14
Views: 1782

Re: Puerto Rico Muni Bonds: Hard-To-Sell

Are they still paying coupons? I think they are.

These bonds aren't going away. PR has to raise sales tax to service these bonds. Also, residents of PR don't pay US income tax, until that changes don't expect congress to change the bankruptcy laws.
by Rainier
Wed Jul 29, 2015 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: My Portfolio and My Investing Behavior
Replies: 15
Views: 1641

Re: My Portfolio and My Investing Behavior

Is it the HCOL the reason for only 9K (her 401k is all employer contrib) max contributions per year for a family that is in 25% tax bracket? If so, you still accumulated a decent size of retirement account but your taxable is 25% of it. Maybe, you can sell long term gains and use them for expenses ...
by Rainier
Wed Jul 29, 2015 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: My Portfolio and My Investing Behavior
Replies: 15
Views: 1641

Re: My Portfolio and My Investing Behavior

I would be wary of letting the tax tail wag the dog. You have 20%+ of your financial assets in individual company stocks. Would you still make the same decision if there was no tax liability? What would the hit be to liquidate half of those positions in 2015 and half on January 2nd, 2016? Also, whe...
by Rainier
Wed Jul 29, 2015 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: My Portfolio and My Investing Behavior
Replies: 15
Views: 1641

Re: My Portfolio and My Investing Behavior

Hmmm.

Maybe some thoughts if I should stop contributing to my wife's IRA and fill up our Roth's first.

Any other comments welcome as well.
by Rainier
Mon Jul 27, 2015 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: TLH in emerging markets
Replies: 4
Views: 377

Re: TLH in emerging markets

I did, but I rolled into more emerging markets.

Looks like I could be back in my original fund within a month.
by Rainier
Mon Jul 27, 2015 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: My Portfolio and My Investing Behavior
Replies: 15
Views: 1641

My Portfolio and My Investing Behavior

It has been awhile since I have done one of these and I am just looking for any thoughts and suggestions. Emergency funds: 3 months in I-Bonds, fully available for withdrawal, not included in asset allocation. May be reduced due to relatively large taxable account Debt: $311,000 mortgage, 3.99% HELO...
by Rainier
Sun Jul 26, 2015 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank reporting income in 2013 that is not income, need help
Replies: 9
Views: 718

Re: HSA Bank reporting income in 2013 that is not income, need help

Looks like user error, not HSA Bank.

They report all withdrawals to you as income. It is up to you to report them as qualified medical expenses to the IRS.
by Rainier
Sun Jul 26, 2015 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Business Class 1-way tickets
Replies: 4
Views: 581

Re: Business Class 1-way tickets

I think you can specific business class on sites like Kayak then use the site they recommend for your best options
by Rainier
Sun Jul 26, 2015 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep/park your emergency fund?
Replies: 54
Views: 6487

Re: Where do you keep/park your emergency fund?

I don't have a separate emergency fund. I usually keep a little over 10k (about one month of household expenses) in my ally saving account. I have a very secure job and unanticipated unemployment will be rare. If I really need money fast, I can always sell some funds with long term gain in my taxab...
by Rainier
Sun Jul 26, 2015 4:38 pm
Forum: Personal Consumer Issues
Topic: Can you return food at a restaurant and not have to pay for it?
Replies: 46
Views: 4504

Re: Can you return food at a restaurant and not have to pay for it?

Some people do this all the time, I'm not religious, but I believe in karma. I have only done this once in my life and I have literally never complained about any other food order. I ordered an egg and when it came out it looked absolutely disgusting. I said sorry, but also explained this as politel...
by Rainier
Sun Jul 26, 2015 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Doc changing last name
Replies: 23
Views: 3701

Re: Doc changing last name

Not a lot of work. You don't need new licenses, you just update your old ones. She didn't get a lobotomy did she? She is still the same person? It is just a name. If she wants to change her name then she should. It is a one time deal. Again, with a valid marriage license this is not a big deal. I wo...
by Rainier
Sun Jul 26, 2015 3:46 pm
Forum: Personal Consumer Issues
Topic: Vanguard Account Hacked
Replies: 22
Views: 2863

Re: Vanguard Account Hacked

Without more information I can only conclude this is 100% user error. Your password was either "password" or you unknowingly gave it to somebody. If somebody tried to guess your password they would have been locked out after a few tries unless they hacked into Vanguard itself and had acces...
by Rainier
Sun Jul 26, 2015 3:20 pm
Forum: Personal Consumer Issues
Topic: Vanguard Account Hacked
Replies: 22
Views: 2863

Re: Vanguard Account Hacked

???

Why is this post so cryptic? What are you getting at?
by Rainier
Sat Jul 25, 2015 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) loan and I'm changing jobs
Replies: 17
Views: 1195

Re: 401(k) loan and I'm changing jobs

Used car loan from PenFed.

Why would your spending change with the new job? You are putting all your extra cash toward the loan, you won't have any extra cash to spend.

Seems like paying the tax and penalty might be the best medicine for your mistakes.
by Rainier
Sat Jul 25, 2015 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Hourly W2 - Any Retirement Options?
Replies: 10
Views: 870

Re: Hourly W2 - Any Retirement Options?

A taxable account. You can make unlimited contributions and only pay taxes on realized gains at mostly preferential tax rates.
by Rainier
Sat Jul 25, 2015 8:17 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?

You get three years from the day you filed to amend.
by Rainier
Sat Jul 25, 2015 8:09 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?

My understanding and reading of IRS guidelines is that interest on home equity debt ($100,000) is treated separately from home acquisition debt (limit $1,000,000), and home equity debt specifically excludes debt used to purchase the home. http://www.irs.gov/publications/p936/ar02.html#en_US_2014_pu...
by Rainier
Sat Jul 25, 2015 7:40 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?

You only need to pay down $16k. You get $1.1m.

$1m mortgage plus $100k home equity. It doesn't matter that all are within your mortgage

Assuming you don't have a heloc already.

Also, think about amending 2014 to grab that extra $100k of eligible deduction.
by Rainier
Sat Jul 25, 2015 6:33 am
Forum: Investing - Help with Personal Investments
Topic: Asset allocation / rebalancing with very small portfolio
Replies: 30
Views: 1631

Re: Asset allocation / rebalancing with very small portfolio

I'd rather knock out that high rate debt, that is a guaranteed return. You can beat that by investing in the market but only over long periods of time.

Or maybe reduce the emergency fund, 6% versus 2% is a no brainer
by Rainier
Wed Jul 22, 2015 6:00 am
Forum: Investing - Help with Personal Investments
Topic: Expats: What next for taxable accounts?
Replies: 3
Views: 629

Re: Expats: What next for taxable accounts?

Why are you unable to give up WI residency? There are different rules but if you haven't stepped foot in the state you may be a non resident by statute.
by Rainier
Wed Jul 08, 2015 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: NYSE trading halted [for more than 3 hours]
Replies: 32
Views: 3112

Re: NYSE trading halted

I remember during the London subway bombings they were calling it a power surge for several hours.
by Rainier
Sun Jun 28, 2015 5:35 pm
Forum: Personal Consumer Issues
Topic: Travel to Greece
Replies: 58
Views: 4955

Re: Travel to Greece

WSJ now reporting Greek banks will not open on Monday. The first stage in an uncontrollable collapse. Closing the banks is not necessarily the first stage of an uncontrollable collapse. Great Britain had an emergency bank closure during the so-called "Sterling Crisis of 1968" when the cou...
by Rainier
Sun Jun 28, 2015 5:32 pm
Forum: Personal Consumer Issues
Topic: Travel to Greece
Replies: 58
Views: 4955

Re: Travel to Greece

WSJ now reporting Greek banks will not open on Monday. The first stage in an uncontrollable collapse. What would travel insurance get you? How would you make a claim? The first stage in a Grexit, yes. Uncontrollable collapse? No. Travel insurance presumably pays out in the currency of the country i...
by Rainier
Sun Jun 28, 2015 12:16 pm
Forum: Personal Consumer Issues
Topic: Travel to Greece
Replies: 58
Views: 4955

Re: Travel to Greece

WSJ now reporting Greek banks will not open on Monday. The first stage in an uncontrollable collapse.

What would travel insurance get you? How would you make a claim?
by Rainier
Sat Jun 27, 2015 8:15 pm
Forum: Personal Consumer Issues
Topic: Travel to Greece
Replies: 58
Views: 4955

Re: Travel to Greece

What's the risk? Based on history, Greek civilization will still be there in 2016. They've been around longer than we have. Biggest risk is you pay full price in Euros I think. Next biggest is massive civil unrest and strikes. Either way, life will go on in Greece. The sooner they take their medici...
by Rainier
Sat Jun 27, 2015 7:41 pm
Forum: Personal Consumer Issues
Topic: Travel to Greece
Replies: 58
Views: 4955

Re: Travel to Greece

Would be cheaper on a Greek airline after a conversion. In theory. Hotels might not be a good deal. Dining out and local goods would be. Bringing dollars and euros to exchange on the black market would be your best bet. Being there during the first few weeks after an exit would be very chaotic and p...
by Rainier
Sun Jun 21, 2015 5:58 am
Forum: Personal Finance (Not Investing)
Topic: Is Private Banking ever useful for simple Bogleheads
Replies: 35
Views: 4454

Re: Is Private Banking ever useful for simple Bogleheads

Seems like most of you have a perception that private banking has a cost. In most cases it does not, it is a benefit of keeping large amounts of money at an institution. You can have a private bank account at JPMorgan and still trade low cost ETFs and get free wires, cheap loans, etc. Just don't use...
by Rainier
Sun Jun 21, 2015 5:16 am
Forum: Investing - Help with Personal Investments
Topic: Taxable Account Help and Feedback
Replies: 9
Views: 1221

Re: Taxable Account Help and Feedback

radiowave wrote:You may want to consider intermediate tax exempt municipal bonds in your taxable account (VWITX)

https://personal.vanguard.com/us/funds/snapshot?FundId=0042&FundIntExt=INT


Why?

The OP is likely in the 0% bracket for dividends and capital gains.
by Rainier
Sun Jun 21, 2015 5:12 am
Forum: Investing - Help with Personal Investments
Topic: Converting a UTMA account to Roth
Replies: 5
Views: 762

Re: Converting a UTMA account to Roth

27 year old child?

In theory you can't do anything. At this point it belongs to your son. You can suggest he moves the funds to a Roth.
by Rainier
Sun Jun 21, 2015 5:07 am
Forum: Personal Finance (Not Investing)
Topic: Issuing a single $590 payment to avoid 1099 reporting
Replies: 13
Views: 1836

Re: Issuing a single $590 payment to avoid 1099 reporting

Has nothing to do with ethics. Law says $600 or more report 1099. If you pay them $595 you don't have to report it on a 1099. Also, why do you issue 1099's if under the $600?! That seems like a strange thing to do, if I were one of those vendors I would be at least irritated by that. But why? You h...
by Rainier
Sun Jun 21, 2015 4:56 am
Forum: Personal Consumer Issues
Topic: Backyard conundrum
Replies: 63
Views: 10408

Re: Backyard conundrum

I've always wanted to get a landscape design that I could implement myself over time. Will nurseries/garden centers really do this for $600? If so, I feel like there is an underlying commitment.
by Rainier
Tue Jun 16, 2015 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Tax savings of moving to no income tax state
Replies: 24
Views: 3543

Re: Tax savings of moving to no income tax state

Beware most no income tax states have big property taxes and in some instances they also have big insurance bills. So much or all of the savings you gain on income taxes you give back as high property taxes and huge insurance bills. That is the case in Florida and Texas so depending on what home yo...

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