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Re: Help with Personal Investments

No, do it yourself. Isn't that why you came here? You can figure it out.
by Rainier
Sun Aug 31, 2014 9:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Personal Investments
Replies: 15
Views: 1074

Re: NYC [Visit to New York City]

If you're a runner go for a loop around Central Park Staten Island ferry and brooklyn bridge are free. Just went to the top of the Statue of Liberty today for the first time. Coolest thing I have ever done in NYC. Besides running the NYC marathon. If you have ancestors that came through Ellis Island...
by Rainier
Sun Aug 31, 2014 7:48 pm
 
Forum: Personal Consumer Issues
Topic: NYC [Visit to New York City]
Replies: 44
Views: 1797

Re: Norton Auto Renewal

It's cheaper to just buy a new version of the software than it is to renew.

You don't even have to install the new software, just use the product key it comes with
by Rainier
Sun Aug 31, 2014 7:43 pm
 
Forum: Personal Consumer Issues
Topic: [Symantec anti-virus] Norton Auto Renewal
Replies: 6
Views: 406

Re: Why do we tip restaurant servers?

There is a Freakonomics Podcast on this topic, listen to it. Most of what was said above is statistically wrong. For example, there is almost no correlation to the quality of service and the size of the tip. Basically, the customer gives the same amount no matter what...but the servers still serve l...
by Rainier
Fri Aug 22, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Why do we tip restaurant servers?
Replies: 44
Views: 2203

Re: Pay off that Mortgage?

I wouldn't pay it off.

I assume you already have enough income to cover the payments. I'd invest the surplus, you could be very conservative and still beat that rate.
by Rainier
Thu Aug 14, 2014 6:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Pay off that Mortgage?
Replies: 18
Views: 2522

Re: Muni bond fund - MUB or ?

I would use MUB.

You can reinvest dividends at Fidelity with ETFs, so you get fractional shares just like a mutual fund.
by Rainier
Wed Aug 13, 2014 8:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Muni bond fund - MUB or ?
Replies: 10
Views: 726

Actively Managed Bond Portfolio

I am basically running a three fund portfolio right now (total us, total international, and total bond market). It seems like a lot of people here are branching out into CDs and individual treasuries. I am curious what you are buying and why? I'm not looking to market time or buy distressed junk bon...
by Rainier
Wed Aug 13, 2014 7:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Actively Managed Bond Portfolio
Replies: 1
Views: 314

Re: Runners and compression socks

The more you wear them the less they do. I think your body just adapts to the pressure.

I started wearing them last summer when I had Achilles tendinitis. I think they helped at first, but the benefit seemed to wear off.
by Rainier
Tue Aug 12, 2014 8:41 pm
 
Forum: Personal Consumer Issues
Topic: Runners and compression socks
Replies: 18
Views: 1537

Re: Any suggestions/feedback is appreciated

At fidelity I can reinvest dividend into regular stocks and etfs, and I get partial shares. The problem with REITs isn't just the ordinary income they pay out, they also have return of capital so your cost basis is constantly changing (dropping). Not a big issue anymore because it is all tracked by ...
by Rainier
Sat Aug 09, 2014 8:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any suggestions/feedback is appreciated
Replies: 19
Views: 1086

Re: Tropical vacation next winter with infant-where?

At a minimum shorten the flight and reduce time zone changes as much as possible.

There are plenty of exotic places to go that are closer than Southeast Asia.
by Rainier
Sat Aug 09, 2014 8:08 pm
 
Forum: Personal Consumer Issues
Topic: Tropical vacation next winter with infant-where?
Replies: 40
Views: 2754

Re: Tropical vacation next winter with infant-where?

Sounds like torture to me.

Nothing to add because you don't want to hear it, Godspeed!
by Rainier
Sat Aug 09, 2014 7:34 pm
 
Forum: Personal Consumer Issues
Topic: Tropical vacation next winter with infant-where?
Replies: 40
Views: 2754

Re: cash reserves

Berkshire Hathaway has $50b in cash reserves right now with a vow to never have less than $20b

All they do is market time. Buying when values are low and selling when they are high.
by Rainier
Sat Aug 09, 2014 6:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: cash reserves
Replies: 19
Views: 1830

Re: Considering a trip to Bali

I was there in 2005. Spent a few nights at a resort on Nusa Lembongan. It was beautiful.

It's easy to avoid the motorbike dangers....don't drive one or ride on one.

Not sure I can add much. It is affordable, except it is really far away and costs a lot to get there.
by Rainier
Sat Aug 09, 2014 6:17 pm
 
Forum: Personal Consumer Issues
Topic: Considering a trip to Bali
Replies: 10
Views: 1323

Re: Tiny portfolio allocation for student

For $500 I wouldn't bother, sorry. Odds of losing money in one year are pretty high with that allocation.

What about I bonds? Not easy to access for a year (which is good).
by Rainier
Sat Aug 09, 2014 7:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Tiny portfolio allocation for student
Replies: 7
Views: 582

Re: Tell Vanguard they need 2 factor authentication

Do a poll. How many people have had money stolen from Vanguard and not been made whole?
by Rainier
Sat Aug 09, 2014 5:44 am
 
Forum: Personal Consumer Issues
Topic: Tell Vanguard they need 2 factor authentication
Replies: 52
Views: 2372

Re: The Worst Investment You Can Make: Buying a Home

Pretty sure having kids is far worse. Who is going to write that article?
by Rainier
Fri Aug 08, 2014 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 15878

Re: How do you address your inlaws and being addressed?

I've generally avoided the whole thing for seven years now.

Since having kids it's easier because I can just call them grandma and grandpa now.
by Rainier
Fri Aug 08, 2014 4:33 pm
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 4737

Re: Neighbor's Tree

I live in heavily forested CT. It will be a cold day in hell before I care about where my leaves land.
by Rainier
Thu Aug 07, 2014 6:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Neighbor's Tree
Replies: 44
Views: 3023

Re: Marathon Running and Long-term Investing

Yes, but I'm not the best pacer. I have a strong fade, but still put in some decent times. Not sure what kind of investor that makes me.
by Rainier
Wed Aug 06, 2014 6:48 am
 
Forum: Personal Consumer Issues
Topic: Marathon Running and Long-term Investing
Replies: 19
Views: 1522

Re: Should I worry about being audited?

Everyone should worry about being audited since it's an expensive, time-consuming process and you're considered guilty unless you can prove yourself innocent. That said, if you're poor and not taking small business deductions or EIC, you shouldn't worry too much. As for the cash, anyone can give an...
by Rainier
Tue Aug 05, 2014 9:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I worry about being audited?
Replies: 34
Views: 3013

Re: Should I worry about being audited?

Banks don't report your deposits to the irs, only if it exceeds $10,000 in cash Your moms gift is just a gift. Less than $14,000 is tax exempt for her and NEVER taxable to you. Any gift you receive, as long as it truly is a gift, is not taxable for the recipient. The rent is income, but probably not...
by Rainier
Tue Aug 05, 2014 6:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I worry about being audited?
Replies: 34
Views: 3013

Re: HELP! Budget Out of Control

Family of four and our grocery budget is about $125 per week and we eat lots of meat,veggies and fruit. Granted, my kids are 3 and 5. Who said teenagers? Did you even read their original post? Cutting cable is a very painful way to save $15 a month. They pretty much give me the phone service for fre...
by Rainier
Mon Aug 04, 2014 9:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Budget Out of Control
Replies: 47
Views: 3663

Re: Barclay Arrival credit card

I got the $400 bonus and no fee for first year. I will likely cancel after one year and move onto the next card.

No complaints though,card is nice and website is good.
by Rainier
Sun Aug 03, 2014 7:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Barclay Arrival credit card
Replies: 19
Views: 1285

Re: Barclay Arrival credit card

I apply points to my oldest travel charges.

Some odd items count as travel too, like NYC subway metro cards
by Rainier
Sun Aug 03, 2014 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Barclay Arrival credit card
Replies: 19
Views: 1285

Re: Clean investing in a single stock

a - The cleanest way to buy stock is to buy it from a direct purchase plan via the company's transfer agent. You buy it once and you hold the shares in your name. It's outside all your other accounts. That's how the megacaps do it. Tesla FAQ says, you need a brokerage account to buy Tesla on NASDAQ...
by Rainier
Sun Aug 03, 2014 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Clean investing in a single stock
Replies: 28
Views: 2755

Re: PDF Web Hosting Services?

Google Drive or Dropbox can provide public links to files. If you know HTML you can dress up the links.
by Rainier
Sat Aug 02, 2014 8:15 am
 
Forum: Personal Consumer Issues
Topic: PDF Web Hosting Services?
Replies: 2
Views: 316

Re: Fidelity Charitable Fund Questions

How do they charge their fee? If I donate $5k in securities, do they take the fee right then, end of the month, pro-rata during the year? If it is annually what happens if I donate all the assets and the balance is zero? Does the account stay open if the balance is zero? Who is building their balanc...
by Rainier
Wed Jul 30, 2014 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Charitable Fund Questions
Replies: 31
Views: 1601

Re: retirement savings for my young kids?

Do a UTMA. You said $10,000 at 18, who cares. It's not like they are going to retire on $10k.

If you setup a trust for $10k I believe you have failed. That makes no sense.
by Rainier
Tue Jul 29, 2014 6:02 am
 
Forum: Investing - Help with Personal Investments
Topic: retirement savings for my young kids?
Replies: 29
Views: 2395

Re: retirement savings for my young kids?

Your 2 year old doesn't have a job yet?

What's with kids these days?

Most UTMAs are 21 now
by Rainier
Mon Jul 28, 2014 7:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: retirement savings for my young kids?
Replies: 29
Views: 2395

Re: Basically starting over

Use some of that cash to pay off your wife's student loan, should simplify things a little. Start buying your ibonds before the end of the month, that way you will already be one month into the 12 month holding period. And you get the whole months interest. Do this by tomorrow. I have increased my 4...
by Rainier
Sun Jul 27, 2014 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Basically starting over
Replies: 17
Views: 3569

Re: Anyone get running shoes from DSW???

I totally agree. Barefoot isn't going to work for pretty much everyone, even minimalist shoes can be tough. But, if you are heel striking on 2" of cushioning and you are still injured...more shoe isn't going to help either. Have to strike the balance between shoes and an efficient stride. Back ...
by Rainier
Sat Jul 26, 2014 8:18 pm
 
Forum: Personal Consumer Issues
Topic: Anyone get running shoes from DSW???
Replies: 15
Views: 1219

Re: 401k Failed Discrimination Testing- What Do I Do?

Is your employer paying to fix this mess? They should.
by Rainier
Sat Jul 26, 2014 7:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401k Failed Discrimination Testing- What Do I Do?
Replies: 6
Views: 1091

Re: Anyone get running shoes from DSW???

I've been a frequent runner for many years now. I've never used shoes specifically from DSW. However, I've tried cheaper shoes in the $40-$50 range and shoes in the $80-$100 range and I can tell a big difference in the cushion and how long much longer they provide support when running. Now, I prefe...
by Rainier
Sat Jul 26, 2014 7:30 pm
 
Forum: Personal Consumer Issues
Topic: Anyone get running shoes from DSW???
Replies: 15
Views: 1219

Re: Buying a Home - Town permit records don't match disclosu

We aren't talking about additions or bedrooms in the basement with no egress. My feeling is they upgraded the bathroom and kitchen and never got a permit. How would anybody know? A mortgage company would never know. Even the town would never know. There are limitations too on how far the town can go...
by Rainier
Sat Jul 26, 2014 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a Home - Town permit records don't match disclosures
Replies: 57
Views: 3569

Re: Buying a Home - Town permit records don't match disclosu

Not sure I would care. Might be able to use as a bargaining chip to get the price down.

If you really want the house this isn't going to change anything, you are still going to close.
by Rainier
Sat Jul 26, 2014 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a Home - Town permit records don't match disclosures
Replies: 57
Views: 3569

Re: Anyone get running shoes from DSW???

Ever read "Born to Run?"

Price of running shoes is correlated to injury rates. The higher the price the higher the injury rate.

I personally don't. I buy $90 Brooks that I get on sale in the $70s from discount shoe sellers. They aren't minimalist but they are pretty light.
by Rainier
Sat Jul 26, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: Anyone get running shoes from DSW???
Replies: 15
Views: 1219

Re: Will be taking series 6 exam; what field should I focus

The world needs more bond salesmen!

Said nobody ever.
by Rainier
Fri Jul 25, 2014 4:37 pm
 
Forum: Personal Consumer Issues
Topic: Will be taking series 6 exam; what field should I focus on?
Replies: 6
Views: 1066

Re: Personal win: I am now free of individual holdings!

Taxes were the reason that I was still holding some individual shares. I got rid of the last of it because the gains on the little that I had left were almost identical to the hospital bill I just got. I figured the hospital bill would offset those gains. Not the best scenario, but if the bill is t...
by Rainier
Fri Jul 25, 2014 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal win: I am now free of individual holdings!
Replies: 18
Views: 1175

Tax Free Karate Kid

I have a taxable account full of individual blue chips worth about $100k with $50k in long term unrealized gains. I want to convert to index funds and I don't want to pay tax on the gains. Basically, I want to take advantage of my children's tax free gains window to pass along the gains, but also ge...
by Rainier
Fri Jul 25, 2014 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Free Karate Kid
Replies: 1
Views: 321

Re: Personal win: I am now free of individual holdings!

Are you saying that over the next 10 years that you intend to donate absolutely $0.00 to charity? In 10 years? Probably, but no concrete plans now. Might do $5k into a donor advised fund this year. If I picked my biggest gainer that would wipe out $4,000 of gains and give me a $5k deduction which w...
by Rainier
Fri Jul 25, 2014 3:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal win: I am now free of individual holdings!
Replies: 18
Views: 1175

Re: Personal win: I am now free of individual holdings!

Are the kids giving you the proceeds back? Not that I know of. They will both be in college next month. Must be nice. Can you adopt my kids? Or heck, adopt me... :) Your solution doesn't really address Rainier's problem livesoft... Rainer: "Hey I don't want to sell because I'd lose too much mo...
by Rainier
Fri Jul 25, 2014 3:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal win: I am now free of individual holdings!
Replies: 18
Views: 1175

Re: Personal win: I am now free of individual holdings!

I have a $90k taxable account with mostly blue chips and a $45k long term unrealized gain. Any suggestions? 5% state tax plus child tax credit phaseout means id lose about 25% of the gains. I have been giving away shares to my kids who can sell in their lower tax brackets for 0% cap gains tax and g...
by Rainier
Fri Jul 25, 2014 3:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal win: I am now free of individual holdings!
Replies: 18
Views: 1175

Re: Help on choosing between investing/paying mortgage/colle

I'd do some of each.

What would it take for you to afford a 15 year mortgage?
by Rainier
Fri Jul 25, 2014 2:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help on choosing between investing/paying mortgage/college
Replies: 12
Views: 914

Re: Personal win: I am now free of individual holdings!

I have a $90k taxable account with mostly blue chips and a $45k long term unrealized gain. Any suggestions?

5% state tax plus child tax credit phaseout means id lose about 25% of the gains.
by Rainier
Fri Jul 25, 2014 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal win: I am now free of individual holdings!
Replies: 18
Views: 1175

Re: Advice needed for $825,000 nest egg

How big are the gains? Your plan sounds really bad.

I wouldn't voluntarily pay huge taxes on a diversified basket of blue chips.
by Rainier
Fri Jul 25, 2014 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice needed for $825,000 nest egg
Replies: 15
Views: 2322

Re: New investor wondering how best to use a windfall

Pay back the family member for peace of mind.

Pay back your wife's loan for simplicity.

The rest of your plan is good.
by Rainier
Thu Jul 24, 2014 8:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: New investor wondering how best to use a windfall
Replies: 9
Views: 571

Re: Cheap auto loan suggestions?

Nobody uses M for thousand anymore. Maybe realtors?
by Rainier
Wed Jul 23, 2014 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cheap auto loan suggestions?
Replies: 12
Views: 697

Re: Vanguard not vigilant about taxes?

How does Vanguard know your tax rate? Could be zero...
by Rainier
Wed Jul 23, 2014 5:35 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard not vigilant about taxes?
Replies: 15
Views: 1679

Re: Mortgage Prepayment Question

If you prepaid $500 and had a 5% interest rate you save about 6.8 cents per day. Don't spend it all at once.
by Rainier
Tue Jul 22, 2014 8:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Prepayment Question
Replies: 43
Views: 3184

Re: Mortgage Prepayment Question

Looks correct to me. Your total payment won't change, it is fixed for the life of the loan. If you paid half the principal today your payment wouldn't change. The ratio of principal and interest will change though. Interest accrued daily on the principal balance. Search the Internet on how mortgage ...
by Rainier
Tue Jul 22, 2014 8:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Prepayment Question
Replies: 43
Views: 3184
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