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Re: Planning Washington DC Sightseeing

The 2 Children are in range 4 years to 12 years. Plan: * Hotel: Near silver line station Wiehle-Reston East, 1862 Wiehle Avenue Reston VA 20190, hotwire.com, Pool, 3 star * Day 1: Drive to hotel * Day 2: ~ 7 miles, Drive, National Air and Space museum near Dulles airport * Day 3: ~ 2 miles, Hotel sh...
by goru1
Fri Apr 10, 2015 6:16 am
 
Forum: Personal Consumer Issues
Topic: Planning Washington DC Sightseeing
Replies: 58
Views: 2838

Re: Planning Washington DC Sightseeing

Hotel search:
hotels.com
$134
Sheraton Reston Hotel
11810 Sunrise Valley Dr Reston VA 20191
1.4 miles to Silver line station Wiehle-Reston East
7.1 miles to National Air and Space museum near Dulles airport
by goru1
Thu Apr 09, 2015 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Planning Washington DC Sightseeing
Replies: 58
Views: 2838

Re: Planning Washington DC Sightseeing

If you are interested in seeing DC, stay in DC

Hotels in DC are expensive.

Hotels.com:
$369 nightly price
Hyatt Regency Washington DC
400 New Jersey Ave NW Washington, DC, 20001
by goru1
Thu Apr 09, 2015 12:27 pm
 
Forum: Personal Consumer Issues
Topic: Planning Washington DC Sightseeing
Replies: 58
Views: 2838

Planning Washington DC Sightseeing

In April
2 Children
4 Nights

Hotel:
20 miles from Union Station

Tour:
Old Town Trolley Tours
http://www.trolleytours.com/washington- ... ations.asp

Please comment

Thanks.
by goru1
Thu Apr 09, 2015 11:31 am
 
Forum: Personal Consumer Issues
Topic: Planning Washington DC Sightseeing
Replies: 58
Views: 2838

Thinking of changing 50% FI to "VG Total Intl Bond".

I am thinking of changing 50% of FI allocation to "Vanguard Total International Bond ETF (BNDX)". Please comment. Current AA: 66 stocks 34 bonds (Age-10) 28 Intl stocks = 14 large blend + 14 small blend 28 US stocks = 14 large blend + 14 small blend 10 REIT = 5 US + 5 Intl 34 Bonds = 34 US...
by goru1
Thu Mar 26, 2015 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Thinking of changing 50% FI to "VG Total Intl Bond".
Replies: 1
Views: 208

Re: Individual 401(k) questions.

Income: * Business 1, Primary business activity 1, 1099, With SSN * Business 2, Primary business activity 2, 1099, With SSN Taxes: * Schedule C 1, Business 1 * Schedule C 2, Business 2 She used Business 1 details to get a EIN for Banking purposes. EIN application: * Why is the Sole Proprietor reque...
by goru1
Tue Mar 24, 2015 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Individual 401(k) questions.
Replies: 8
Views: 982

Re: Individual 401(k) questions.

Vanguard Form: Individual 401(k) Plan Adoption Agreement Section one: Effective dates Part A. New Plan Effective Date Effective Date of this plan: 01/01/2015 Effective Date for Elective Deferrals under this plan: ??? What is the meaning of the above date "Effective Date for Elective Deferrals u...
by goru1
Sat Mar 21, 2015 12:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Individual 401(k) questions.
Replies: 8
Views: 982

Re: Individual 401(k) questions.

Bumping the thread.‏
by goru1
Wed Mar 18, 2015 3:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Individual 401(k) questions.
Replies: 8
Views: 982

Individual 401(k) questions.

Marginal Tax rate: 25% Debt: Mortgage Account types: Max His 401k, Max His Roth, Max Her Roth and Taxable All Vanguard Her income: * W-2, 1, No 401k option * W-2, 2, No 401k option * 1099-Misc, 1 * 1099-Misc, 2 * 1099-Misc, 3 * All three 1099 has her SSN * All three 1099 grouped as one business on S...
by goru1
Sat Mar 14, 2015 9:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Individual 401(k) questions.
Replies: 8
Views: 982

Hi deductible,If water damage,Inform insurance?

I have a high deductible Condo personal policy.

Condo personal policy
Dwelling: 80,000
Personal Property: 15,000
Loss of Use: 7,500
Deductible: 10,000

If in future there is a water damage through appliance leak, Should I inform personal and/or master insurance companies?

Thanks.
by goru1
Thu Jan 08, 2015 11:35 am
 
Forum: Personal Consumer Issues
Topic: Hi deductible,If water damage,Inform insurance?
Replies: 2
Views: 457

Should I also replace WM along with this job?

I don't have any issues with the current washing machine. Washing Machine: Kenmore Model: 11022932100 Manufactured 2002 I am think of getting a job done to handle possible future leaks. Job verbal quote: * Heavy duty pan. Screwed in the floor $100 * Stainless steel hoses 2*$20 = $40 * Labor $140 * 1...
by goru1
Wed Jan 07, 2015 4:15 pm
 
Forum: Personal Consumer Issues
Topic: Should I also replace WM along with this job?
Replies: 16
Views: 2248

Re: 30K Pilot 2011 Miles 38K 4WD Touring w/RES Navigation

You've also posted similar threads, but for different models:

I am in the process of deciding on model for next purchase. My knowledge of cars is limited. I find the comments very useful. I have decided against the models in my other threads based on the comments.

Thanks.
by goru1
Thu Feb 06, 2014 11:11 pm
 
Forum: Personal Consumer Issues
Topic: 30K Pilot 2011 Miles 38K 4WD Touring w/RES Navigation
Replies: 9
Views: 1089

30K Pilot 2011 Miles 38K 4WD Touring w/RES Navigation

Please comment.

Thanks.

Other details:
* Heated leather seats
* 3rd row seatings
* Honda Certified
by goru1
Thu Feb 06, 2014 12:32 pm
 
Forum: Personal Consumer Issues
Topic: 30K Pilot 2011 Miles 38K 4WD Touring w/RES Navigation
Replies: 9
Views: 1089

$27K Sienna XLE 2011 Miles 43K AWD

Please comment. Thanks. Other details: * One Owner * Upgrades - Alloy Wheels - Dual View Entertainment Center with 2 Wireless Headphones - Leather Seats ( Front Seats are equipped with Variable Temp Heaters ) * Completed a 45K mile service, installed 2 New Tires and New Brakes * Toyota Certified
by goru1
Tue Feb 04, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: $27K Sienna XLE 2011 Miles 43K AWD
Replies: 7
Views: 783

$23K 2009 Lexus IS 250 AWD V-6 Miles 33K Certified.

Please comment. Thanks. Other details: * $2K spent through the shop, which includes: 4 brand new tires and 30k service * Equipped with a Premium Package * Lexus Certified * 3-year/100,000-mile bumper to bumper warranty * Dealer comment: Priced $2K below the Kelley Blue Book Certified Pre-Owned Value...
by goru1
Fri Jan 03, 2014 11:50 am
 
Forum: Personal Consumer Issues
Topic: $23K 2009 Lexus IS 250 AWD V-6 Miles 33K Certified.
Replies: 18
Views: 2118

T-mobile. 2 Lines $80. iPhone $549. Nokia Lumia $126.

I am planning to switch my plan to T-mobile and buy two phones from T-mobile. Currently I have two Nokia phones and two $45 monthly plans from Straight Talk. Please comment. Thanks. Plan: * 2 Lines Plan * $80 per month * Unlimited talk, text and web * Up to 500MB of high-speed data on our network. S...
by goru1
Thu Nov 21, 2013 10:29 am
 
Forum: Personal Consumer Issues
Topic: T-mobile. 2 Lines $80. iPhone $549. Nokia Lumia $126.
Replies: 18
Views: 2336

Re: Grade 4. Writing Reading. Goal. "Exceed the Grade Level"

Does she exceed in everything else and so you perceive these as weak spots? In math, she is "Exceeding the Grade Level Standard". At grade 4 she should not need you to pick out library books for her. She picks her own books from library. Turn off TV and tablets. She doesn't watch any TV d...
by goru1
Tue Nov 19, 2013 3:55 pm
 
Forum: Personal Consumer Issues
Topic: Grade 4. Writing Reading. Goal. "Exceed the Grade Level".
Replies: 50
Views: 3398

Grade 4. Writing Reading. Goal. "Exceed the Grade Level".

Our daughter is in grade 4. She is doing good in academics and extracurricular activities. In writing and reading, she is at level "Meeting the Grade Level Standard". In writing and reading, our goal is "Exceeding the Grade Level Standard". She is willing to do the extra work. Ou...
by goru1
Tue Nov 19, 2013 10:23 am
 
Forum: Personal Consumer Issues
Topic: Grade 4. Writing Reading. Goal. "Exceed the Grade Level".
Replies: 50
Views: 3398

$550 StraightTalk iPhone 5 16GB $45 Unlimited Plan

I currently have $45 Unlimited Plan with StraightTalk on another phone. This will be my first iPhone. Please comment. Thanks. Details: * This phone will only work with the $45 Unlimited Plan * 30 day Unlimited Plans include 2.5 GB of high speed data per 30 day cycle. After 2.5 GB, your data speed wi...
by goru1
Fri Nov 08, 2013 2:25 pm
 
Forum: Personal Consumer Issues
Topic: $550 StraightTalk iPhone 5 16GB $45 Unlimited Plan
Replies: 5
Views: 1182

Thinking of changing 50% FI to "VG Total Intl Bond".

I am thinking of changing 50% of FI allocation to "Vanguard Total International Bond ETF (BNDX)". Please comment. Current AA: 68 stocks 32 bonds (Age-10) 29 Intl stocks = 14.5 large blend + 14.5 small blend 29 US stocks = 14.5 large blend + 14.5 small blend 10 REIT = 5 US + 5 Intl 32 US bo...
by goru1
Thu Oct 10, 2013 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thinking of changing 50% FI to "VG Total Intl Bond".
Replies: 7
Views: 827

$399 Laptop Acer Aspire E1-531-4665

Please comment. Thanks. Looking for minimum features: * Windows 7 Home Premium * Intel * Processor Speed 2 GHz * Processor Core Dual-core (2 Core) * DVD Drive * Webcam * Microphone * HDMI * USB 2.0 Ports * Keyboard Acer Aspire E1-531-4665: http://us.acer.com/ac/en/US/content/model/NX.M12AA.032 E1-53...
by goru1
Tue Sep 24, 2013 10:29 am
 
Forum: Personal Consumer Issues
Topic: $399 Laptop Acer Aspire E1-531-4665
Replies: 7
Views: 794

$350 HDMI Laptop Acer Aspire V5-131-2629.

I am looking for a low cost laptop to connect to a plasma 42 inch TV using HDMI cable to watch streaming movies from netflix and other websites. Please comment. Thanks. Description: Acer Black Aspire V5-131-2629 11.6" Laptop PC with Intel Celeron 1007U Processor, 4GB Memory, 500GB Hard Drive an...
by goru1
Mon Sep 23, 2013 11:36 am
 
Forum: Personal Consumer Issues
Topic: $350 HDMI Laptop Acer Aspire V5-131-2629.
Replies: 9
Views: 1055

Re: AA. Now 70/30. Thinking of 80/20.

Thanks for all responses. I am staying at 70/30.
by goru1
Thu Jul 18, 2013 9:10 am
 
Forum: Investing - Help with Personal Investments
Topic: AA. Now 70/30. Thinking of 80/20.
Replies: 36
Views: 2922

Re: Expenses as % of after tax monthly household income.

is it the party for your kids
Otherwise you are saving the remainder?
What about 401Ks, IRAs, etc.?

I have edited the original post.

Thanks.
by goru1
Tue Jul 16, 2013 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Expenses as % of after tax monthly household income.
Replies: 7
Views: 1308

Expenses as % of after tax monthly household income.

Please comment. Thanks. Age: 42 Times annual expenses accumulated: 7 Marginal Tax rate: 25% Emergency fund: Yes Debt: Mortgage All Vanguard Account types: 401k, Roth and Taxable Me and spouse employed full time Two kids less than 10 years old Home: Northeast Expense % of after tax monthly household ...
by goru1
Mon Jul 15, 2013 9:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Expenses as % of after tax monthly household income.
Replies: 7
Views: 1308

AA. Now 70/30. Thinking of 80/20.

The thinking behind it is to reach my number faster. It is not based on any recent market performance. I will keep the same AA 80/20 even if stocks go down by 50% or more. Please comment. Thanks. Age: 42 Times annual expenses accumulated: 7 Marginal Tax rate: 25% Emergency fund: Yes Debt: Mortgage A...
by goru1
Mon Jul 15, 2013 1:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA. Now 70/30. Thinking of 80/20.
Replies: 36
Views: 2922

$19K Odyssey 2010 LX 35k miles Honda certified.

Carfax:
* No accident/damage reported
* 1-Owner
* 1 Service record available
* Type of owner: Personal lease
* Estimated length of ownership: 3 yrs.
* Estimated miles driven per year: 11,000/yr

Please comment.

Thanks.
by goru1
Fri Jul 12, 2013 3:11 pm
 
Forum: Personal Consumer Issues
Topic: $19K Odyssey 2010 LX 35k miles Honda certified.
Replies: 17
Views: 1347

Grade 3. Math. RSM or Kumon or Mathwizard.

Details: * Performance level now: Meeting the grade level standard. * Performance level next goal: Exceeding the grade level standard. * Currently at home our daughter spends 15 mins every day on maths doing one worksheet from edhelper.com. * We spend another 15 minutes every night with her on math...
by goru1
Tue Apr 02, 2013 9:38 am
 
Forum: Personal Consumer Issues
Topic: Grade 3. Math. RSM or Kumon or Mathwizard.
Replies: 6
Views: 2330

2013. CR-V or RAV4.

Please comment.

Thanks.
by goru1
Sat Mar 16, 2013 11:09 pm
 
Forum: Personal Consumer Issues
Topic: 2013. CR-V or RAV4.
Replies: 7
Views: 1367

Re: PenFed auto loan 1.49%.

Sienna:
* MSRP $33,700 + Tax.
* 2013
* LE
* 7 Passenger
* AWD
* Engine: 3.5L V-6 cyl
* City MPG: 16
* Hwy MPG: 23
by goru1
Wed Feb 13, 2013 12:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed auto loan 1.49%.
Replies: 10
Views: 993

PenFed auto loan 1.49%.

Please comment.

Thanks.

Loan:
* PenFed
* Not yet a member of PenFed
* Loan: $35,700
* Term: 5 years
* Interest: 1.49%
* Monthly: $618
* Total interest: $1,370
by goru1
Wed Feb 13, 2013 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed auto loan 1.49%.
Replies: 10
Views: 993

Sienna 2013 AWD. MSRP $33,700.

Please comment.

Thanks.

Looking for:
* AWD/4WD
* 7 Seats
* V6

Sienna:
* 2013
* LE
* 7 Passenger
* AWD
* Engine: 3.5L V-6 cyl
* City MPG: 16
* Hwy MPG: 23
by goru1
Wed Feb 13, 2013 10:32 am
 
Forum: Personal Consumer Issues
Topic: Sienna 2013 AWD. MSRP $33,700.
Replies: 22
Views: 2974

Lexus RX 300. Timing belt. $884.

Please comment. Thanks. Lexus: * 2002 * RX 300 * AWD * V6-3.0L (1MZ-FE) * Miles 93,000 Estimate: Timing belt 89.00 Fan belt 51.00 Fan belt 14.00 Waterpump 183.00 Timing belt tensioner 94.00 Coolant 30.00 Labor 94.00/hr * 4.5 hr 423.00 Labor total 423.00 Parts total 461.00 Sub-Total 884.00 Parts tax
by goru1
Wed Feb 13, 2013 10:20 am
 
Forum: Personal Consumer Issues
Topic: Lexus RX 300. Timing belt. $884.
Replies: 42
Views: 8227

Re: Refi. No cost. 30 yr fixed or 5/1 ARM and Why?

I have edited original post based on responses.

Thanks.
by goru1
Sun Nov 18, 2012 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refi. No cost. 30 yr fixed or 5/1 ARM and Why?
Replies: 10
Views: 865

Refi. No cost. 30 yr fixed or 5/1 ARM and Why?

* Do not plan to pre pay. * Don't know for sure when we will be out of this house. * See a rate difference of 1%. * Difference in monthly payments will go to overall AA of 60 stocks 40 bonds. * Loan Amount: $310,000.00 * Property Type: Condo (townhouse) * Marginal Tax rate: 15%. * Emergency fund: Ye...
by goru1
Sun Nov 18, 2012 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refi. No cost. 30 yr fixed or 5/1 ARM and Why?
Replies: 10
Views: 865

Re: AA. Now 60/40. Thinking of 70/30.

1. The timing to increase Equity risk - when the S&P 500 is up 18% for 1-year through August 2012 - is suspect to say the least.

How to decide when is the good time?
by goru1
Mon Sep 24, 2012 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: AA. Now 60/40. Thinking of 70/30.
Replies: 25
Views: 2371

Re: AA. Now 60/40. Thinking of 70/30.

how many times annual expenses have you accumulated.

6 times.
by goru1
Sat Sep 22, 2012 12:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA. Now 60/40. Thinking of 70/30.
Replies: 25
Views: 2371

Re: Refi 1. Waiting period. Refi 2.

Just locked today at FIB. No cost 30 year at 3.50%

FIB doesn't offer 30 year for condo.
by goru1
Fri Sep 21, 2012 9:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refi 1. Waiting period. Refi 2.
Replies: 12
Views: 788

Re: Refi 1. Waiting period. Refi 2.

When did you lock this?

In May.
by goru1
Fri Sep 21, 2012 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refi 1. Waiting period. Refi 2.
Replies: 12
Views: 788

Re: Refi 1. Waiting period. Refi 2.

just surprised that the rate would be so much more favorable that quickly.

Refi closed on Sep 19: 30 yr fixed. 3.875%. No cost.
New quote: 30 yr fixed. 3.375%. No cost.
by goru1
Fri Sep 21, 2012 6:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refi 1. Waiting period. Refi 2.
Replies: 12
Views: 788

Re: Refi 1. Waiting period. Refi 2.

What's the rationale for refinancing that soon ?

Rate difference of 0.50%.
No cost ( Closing cost = Lender credit )
by goru1
Fri Sep 21, 2012 5:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refi 1. Waiting period. Refi 2.
Replies: 12
Views: 788

Refi 1. Waiting period. Refi 2.

Lender 1 Refi 1: * Closed on Wed Sep 19. * Lender 1 imposed waiting period of 90 days for next refi. Lender 2 Refi 2 quote comments: * We will have to wait until your loan gets assigned with the lender and you receive your first mortgage statement. * You will probably not receive your first stateme...
by goru1
Fri Sep 21, 2012 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refi 1. Waiting period. Refi 2.
Replies: 12
Views: 788

Re: AA. Now 60/40. Thinking of 70/30.

10% added Equity risk would not mean too much..... UNTIL Equities drop 50% and your portfolio declines 35%. Should we expect at that time a thread saying: I want to go from 70/30 to 50/50? if you change to 70/30 and stocks drop by 35%, are you sure you'd rebalance to keep that AA? If I change to 70...
by goru1
Fri Sep 21, 2012 3:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA. Now 60/40. Thinking of 70/30.
Replies: 25
Views: 2371

Re: AA. Now 60/40. Thinking of 70/30.

Question is, what is your need of portfolio risk?

Don't know.

Risk increase by 10%:
Need: Don't know
Ability: Yes. Not planning to use the money till retirement age.
Willingness: May be Yes.
by goru1
Fri Sep 21, 2012 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA. Now 60/40. Thinking of 70/30.
Replies: 25
Views: 2371

Re: AA. Now 60/40. Thinking of 70/30.

if you want to do it because stocks are so good right now. No. What has changed in your situation or your thoughts about your financial plan since you decided on 60/40? Situation: No change. Thoughts: More reading. Risk increase by 10%: Need: Don't know Ability: Yes. Not planning to use the money t...
by goru1
Fri Sep 21, 2012 2:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA. Now 60/40. Thinking of 70/30.
Replies: 25
Views: 2371

AA. Now 60/40. Thinking of 70/30.

Thinking of changing AA from 60/40 to 70/30. Your comments. Thanks. Age: 41 Marginal Tax rate: 15% Emergency fund: Yes Debt: Mortgage AA: 60 stocks 40 bonds All Vanguard Account types: 401k, Roth and Taxable Me and spouse employed full time Now 60/40: AA 60 stocks 40 bonds 27% Intl stocks = 13.5% la...
by goru1
Fri Sep 21, 2012 1:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA. Now 60/40. Thinking of 70/30.
Replies: 25
Views: 2371

State. (Retirement Allowance)=(Annuity)+(Pension)

I have very limited understanding of state employee's retirement system. Source: "Benefit Guide for State Employee's Retirement System" ( Retirement Allowance ) = ( Annuity ) + ( Pension ) Annuity: Contributions that are deducted and deposited in an annuity savings fund. The interest that ...
by goru1
Wed Jun 20, 2012 9:18 am
 
Forum: Personal Finance (Not Investing)
Topic: State. (Retirement Allowance)=(Annuity)+(Pension)
Replies: 2
Views: 481

Re: Pursue job switch from private to federal.

Source: "Benefit Guide for State Employee's Retirement System" ( Retirement Allowance ) = ( Annuity ) + ( Pension ) Annuity: Contributions that are deducted and deposited in an annuity savings fund. The interest that accrues is the average interest paid on savings accounts from a sample of...
by goru1
Mon Jun 18, 2012 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Pursue job switch from private to federal.
Replies: 53
Views: 4463

Re: Pursue job switch from private to federal.

How do I search for local govt jobs?
Thanks.
by goru1
Fri Jun 15, 2012 9:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Pursue job switch from private to federal.
Replies: 53
Views: 4463
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