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Re: Cell phone control devices for teen drivers?

One huge issue with these devices. They allow texting when the vehicle is stopped. This is why we sit at traffic lights and some car in every line does not move when the light changes. Because that person is texting. I want a device that does not allow cell phone use of any kind when the car engine ...
by l2ridehd
Tue Jul 29, 2014 6:37 am
 
Forum: Personal Consumer Issues
Topic: Cell phone control devices for teen drivers?
Replies: 36
Views: 1708

Re: Stop Extra Payment Toward Mortgage?

I would not apply or use a HELOC option. If something happens and you really need it, apply then. There is usually a cost to set them up, so wait until required. I would not stop making extra payments on the mortgage. Maybe drop the amount and split that $400 into $200 to mortgage and $200 to emerge...
by l2ridehd
Sun Jul 27, 2014 9:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Stop Extra Payment Toward Mortgage?
Replies: 31
Views: 2044

Re: Rich Spouse, Poor Spouse [Tax filing apportionment]

We have (had, I retired so it will reverse) the same issue. We made it real simple. We both claim zero deductions, and we always had to pay in more, so we took the total amount still owed, took each gross income, and apportioned that way. Fair? Not really but we are married and it really is one pot ...
by l2ridehd
Fri Jul 25, 2014 7:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Rich Spouse, Poor Spouse [Tax filing apportionment]
Replies: 77
Views: 5698

Re: Here's another "where should I retire" thread

My thoughts and rational trying to make the same decision. I am in a similar situation with somewhat less assets, but close. Lake house. NH vs Maine. Much more tax friendly. Love the lakes in Maine and owned a place on Sebago for a while, but moved to Ossipee lake NH to be more tax friendly. Place w...
by l2ridehd
Thu Jul 24, 2014 6:28 am
 
Forum: Personal Consumer Issues
Topic: Here's another "where should I retire" thread
Replies: 104
Views: 6415

Re: Pay down (not off) mortgage?

I would put the extra cash in investments even if it means adding to your bonds. As a booglehead you know very well, "No one knows the future", it is a guess at best. A lot can change in 5 years. Bonds may soar, interest rates may fall or rise, home values could soar or plummet, you could ...
by l2ridehd
Tue Jul 22, 2014 5:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Pay down (not off) mortgage?
Replies: 53
Views: 4991

Re: Anyone here flip houses?

I have flipped houses for 40 years. Did my first one at 28. Doing one now. It was a side line during my working years and a part time job now that I am retired. I do everything myself. (except granite) I have only done two that needed granite. I try to specialize in waterfront property. I also alway...
by l2ridehd
Mon Jul 14, 2014 8:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here flip houses?
Replies: 40
Views: 4687

Re: engineers - please help with engineering school selectio

Go to where you can afford. I grew up poor and had to attend my in state university as that is all I could afford. I lived in NH so attend the university of NH and got a double E degree. Did it open as many job opportunities as if I had gone to MIT or VT? No. I ended up in Computer Science and Cyber...
by l2ridehd
Fri Jun 13, 2014 7:58 am
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 119
Views: 5427

Re: Homeowner's Insurance in Florida only from "no name" bra

I have properties in central Florida. Insurance options include several National companies. Allstate and Nationwide are probably the biggest. But other options are available. USAA will also write coverage if you are a current customer.
by l2ridehd
Sun Feb 16, 2014 9:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Homeowner's Insurance in Florida only from "no name" brands?
Replies: 12
Views: 637

Re: Ric Edelman "times have changed" claim

His statement about Jack I think relates to the fact that Jack now includes Social Security in his bond allocation which has the effect of lowering your % of bonds below your age. I have always used age in bonds minus 20 because of SS and DB pensions. And in practice go even less then that. Right no...
by l2ridehd
Tue Jan 21, 2014 10:03 am
 
Forum: Investing - Theory, News & General
Topic: Ric Edelman "times have changed" claim
Replies: 24
Views: 3761

Re: Investors beware... account security IS important!

The security questions are where the risk really is. Most of the answers are easy to get if you know the person or have access to their social media sites. I always answer the questions completely wrong. Things like, (examples only) First car might be first pets name. City born might be favorite mov...
by l2ridehd
Tue Jan 14, 2014 7:49 am
 
Forum: Personal Consumer Issues
Topic: Investors beware... account security IS important!
Replies: 89
Views: 8439

Re: High Income Earner & College Attended

I went to the University of NH as being a state resident that is all I could afford. Double E degree. Am retired now but had very high earnings my entire career. My last ten years were over 500K annually.
by l2ridehd
Tue Jan 14, 2014 7:31 am
 
Forum: Personal Consumer Issues
Topic: High Income Earner & College Attended
Replies: 58
Views: 4293

Re: Best Places To Park Cash For 3 - 5 Years

Pen Fed CD's. 5 year for 3%.
by l2ridehd
Tue Jan 14, 2014 7:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Best Places To Park Cash For 3 - 5 Years
Replies: 5
Views: 920

Re: thinking about removing the slice and dice from my AA

I still like slice and dice but found a way to simplify. Still not there yet as am trying to avoid tax consequences. Buy the Lifestrategy fund that gives you the AA you want and the Small cap value to give you the tilt. If you need to add a bit of TBM to maintain AA, you still have a maximum of 3 fu...
by l2ridehd
Sun Jan 12, 2014 9:39 am
 
Forum: Investing - Help with Personal Investments
Topic: thinking about removing the slice and dice from my AA
Replies: 19
Views: 1208

Re: schwab ETF's vs Vanguard ETF's vs ishares ETF's

I also like Schwab brokerage account and ETF's. I use them in addition to Vanguard to maintain my AA and also for TLH. As an example, I sold my Vanguard Emerging Markets in December to take advantage of the 2013 losses. Vanguard limits the repurchase to 90 days. So in January after 30 days I will bu...
by l2ridehd
Fri Jan 10, 2014 7:29 am
 
Forum: Investing - Help with Personal Investments
Topic: schwab ETF's vs Vanguard ETF's vs ishares ETF's
Replies: 14
Views: 2214

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

1986.66. 7.5% gain for the year.
by l2ridehd
Tue Jan 07, 2014 9:13 am
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 536
Views: 13773

Re: Spending money abroad

I take 3 cards. My Schwab ATM card, no transaction fee's anywhere. A visa or MC and my Amex card. Also take about $800 in cash split into 4 locations. Two with the wife, two with me. Newer small denomination bills is best. $10's and $20's with several $1's.
by l2ridehd
Fri Jan 03, 2014 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Spending money abroad
Replies: 46
Views: 2597

Re: Deferred Compensation Plan

There are lots of pro's and con's with these plans. Do some research on Rabbi Trusts. That is what they are usually based on. I had that option and I did participate. We could defer any compensation over I think 223K and any or all of our annual bonus. I did both the last 8 years before retirement. ...
by l2ridehd
Mon Dec 16, 2013 9:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Deferred Compensation Plan
Replies: 27
Views: 1673

Re: What your your favorite/recommended CLASSIC (old/free) b

Anything by Dickens. A Tale of Two Cities, Oliver Twist, and for this time of year A Christmas Carol. I have a Collection of Short Stories by Charles Dickens that is a great book to just pick up now and again and read one.
by l2ridehd
Sun Dec 08, 2013 10:42 am
 
Forum: Personal Consumer Issues
Topic: What your your favorite/recommended CLASSIC (old/free) books
Replies: 54
Views: 3112

Re: Dave says $300 a month can grow to $3M

I believe Dave is correct. If they are paying a loan, that means the money is already taxed. If they change that to an IRA or better yet if possible a 401K then it's $400 or more. Do that for 40 years at 8% compounded and it grows to 2.86 million. And if they up the $300 a month to save the same inf...
by l2ridehd
Sat Dec 07, 2013 5:48 pm
 
Forum: Investing - Theory, News & General
Topic: Dave says $300 a month can grow to $3M
Replies: 76
Views: 8427

Re: What do early retirees actually do in Florida?

Leisureville was written by a reporter from the Orlando Sentinel and is so not reality. He has also written many negative article about the Villages. For some reason he seems to have a grudge against the place. I strongly encourage you to go there and see for yourself. It can't really be described, ...
by l2ridehd
Sat Dec 07, 2013 1:32 pm
 
Forum: Personal Consumer Issues
Topic: What do early retirees actually do in Florida?
Replies: 238
Views: 14393

Re: What do early retirees actually do in Florida?

I live in Virginia close to DC. Summer here is very hot and very humid. I also own a home in The Villages Florida. I go there in every season. Summer in The Villages is not as hot or humid as Virginia. Yes it is hot and humid, but not as bad as Northern VA. And who every suggested property taxes are...
by l2ridehd
Sat Dec 07, 2013 9:55 am
 
Forum: Personal Consumer Issues
Topic: What do early retirees actually do in Florida?
Replies: 238
Views: 14393

Re: Fidelity vs Vanguard

I maintain accounts at Vanguard, Fidelity, and Schwab. All three have pro's and con's. I like the Fidelity web site best, I like the Schwab cash card best, and I like Vanguard low cost structure best. I maintain 90% of my investments at Vanguard. Fidelity has the best customer service and tools. Sch...
by l2ridehd
Fri Dec 06, 2013 10:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs Vanguard
Replies: 44
Views: 7960

Re: Rental Property Question

Real Estate income property is a good investment if you buy decent property in good locations. I have owned rental property most of my life. It is a leveraged investment that has tax advantages and someone else is paying off the loan. I currently own two and looking for another. I have always manage...
by l2ridehd
Fri Nov 29, 2013 7:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Rental Property Question
Replies: 16
Views: 1785

Re: Tried to get credit report - security questions don't ma

Here is how I handled this. Had the same issues as everyone else. Finally got the Equifax report. It was clean. I froze the account and refuse to unfreeze for anyone. If I apply for something I tell them the accounts are all frozen and I will unfreeze either Experian or Trans Union for them. If the ...
by l2ridehd
Tue Nov 19, 2013 1:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tried to get credit report - security questions don't match
Replies: 54
Views: 8851

Re: Tractor for my 12 Acre Horse Farm

Third vote for Kubota. I have a B-7610 26 HP diesel tractor 4 X 4 and it far exceeds my expectations. I have a mower deck, 3 point hitch plow, a front end loader, bush hog and can borrow a friends back hoe if needed. It is plenty powerful to do every thing you asked. It will pull a hay baler with no...
by l2ridehd
Mon Nov 18, 2013 1:39 pm
 
Forum: Personal Consumer Issues
Topic: Tractor for my 12 Acre Horse Farm
Replies: 28
Views: 2583

Re: Land that won't sell: what would you do?

There are several steps that you should take. 1. Go see the land. How can you even begin to place a value on it if you have never seen it? Invest the day and go see it. 2. Get with the county and see what you have to do to get a driveway from the road to the land. There has to be a way to do it. Mig...
by l2ridehd
Mon Nov 18, 2013 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Land that won't sell: what would you do?
Replies: 85
Views: 6681

Re: Poll: How conservative/aggressive is your AA for your ag

Current age 68, spouse 58, and am sitting at 60/40 stocks and bonds. Want to move to 50/50, but bonds don't seem to let me. Every time I re-balance I sell stocks, buy bonds, but then end back to the same place. I will get there and am comfortable at this AA for now. I basically have this in two buck...
by l2ridehd
Sun Nov 03, 2013 9:42 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: How conservative/aggressive is your AA for your age?
Replies: 106
Views: 6287

Re: Month-long visits to American cities

My wife and I are planning something close to this but almost all overseas locations. We want to do a month in Strasbourg, Florence, Naples, Nice or Cannes, Vienna, Munich, Zurich, Budapest, Prague, Copenhagen, and then on to Hawaii, Sydney, Christs Church, Singapore, Chang Mai, Hong Kong, and St Pe...
by l2ridehd
Tue Oct 29, 2013 6:32 am
 
Forum: Personal Consumer Issues
Topic: Month-long visits to American cities
Replies: 52
Views: 4478

Re: How to Approach Getting New Wood Flooring

Engineered Hardwood or real hardwood is your best solution. I also live in NVA and just had red oak hardwood installed in my family room, about 400 square feet, to match the rest of the house. I had an installer from Alexandria do the entire job and it was $2600. That included removing the carpet, r...
by l2ridehd
Fri Oct 25, 2013 11:10 am
 
Forum: Personal Consumer Issues
Topic: How to Approach Getting New Wood Flooring
Replies: 20
Views: 1452

Re: Basements part of home square footage?

It varies by street. Two houses listed on the same street in my neighborhood. Both have very nice finished basements. Go to redfin.com and one home shows $136 a square foot and the other $216. The one that shows the $216 is actually a larger house then the other one, but redfin uses the tax record a...
by l2ridehd
Wed Oct 23, 2013 2:59 pm
 
Forum: Personal Consumer Issues
Topic: Basements part of home square footage?
Replies: 21
Views: 1831

Re: What's wrong with debt?

There is good debt and bad debt. Credit cards are almost always bad debt. They are used to buy consumables and carry high interest. Real Estate loans are usually good debt. Provides a place to live, a good substitute for rent, and is tax deductible. I bought a house, fixed up an apartment in the low...
by l2ridehd
Tue Oct 22, 2013 7:06 am
 
Forum: Investing - Theory, News & General
Topic: What's wrong with debt?
Replies: 58
Views: 3691

Re: My New Car Buying Tips

This process works great when buying new. I used it with great success buying my Toyota Tacoma. For cars I usually buy certified used so the process needs to be a bit different. I like Mercedes so I find dealerships within about a 150 plus mile radius which gives me a dozen or so to work with. I do ...
by l2ridehd
Fri Oct 18, 2013 7:52 am
 
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 89
Views: 11983

Re: Where to put stock being sold

I also had a very large position in IBM do to the ESPP. At one point had over 10,000 shares. I even had some shares I bought when it sold for $700 a share before many splits. Over time I sold it off and am now down to about 1000 shares. I used the proceeds to buy stocks, real estate, bonds, and basi...
by l2ridehd
Sun Oct 06, 2013 7:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to put stock being sold
Replies: 8
Views: 588

Re: Car Lease as part of a compensation package

This is a good perk, but you do have issues. First it is not tax free. If you allow commute and/or personal use of the car then the employee has to pay the tax on the value of that use. IRS requires a minimum of once a year accounting. If a person uses the car 40% for business and 60% for personal t...
by l2ridehd
Fri Sep 27, 2013 4:19 pm
 
Forum: Personal Consumer Issues
Topic: Car Lease as part of a compensation package
Replies: 27
Views: 1490

Re: KL, Malaysia

The Petronas Towers, both the top and the shopping mall on the first 7 levels, also shop at Central Market, visit a Mosque, sample the night life (Beach Club), a couple good restaurants, (Nero Navo and the stairs in Mala, can't recall the name but ask what the word for stairs is in Malaysian), buy a...
by l2ridehd
Sun Sep 08, 2013 8:19 am
 
Forum: Personal Consumer Issues
Topic: [Kuala Lumpur] KL, Malaysia
Replies: 9
Views: 972

Re: Rental real estate post - what's the catch?

I own rental property and have most of my life. It is a very good stable return and so far has been an appreciating asset. However it is work. I manage and take care of my own properties. I do most of the maintenance, I manage the contracts, insurance, advertising, and all aspects of ownership. And ...
by l2ridehd
Thu Sep 05, 2013 7:06 am
 
Forum: Investing - Theory, News & General
Topic: Rental real estate post - what's the catch?
Replies: 97
Views: 7459

Re: Reasonable Family Discount [Inherited Real Estate]

You are headed for a family fight of significant proportions. No matter what happens someone will think they have been cheated. Sell it, divide the money and buy something else is the best solution. If you feel you have to have it, get it appraised by three different appraisers. Get there different ...
by l2ridehd
Wed Sep 04, 2013 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Reasonable Family Discount [Inherited Real Estate]
Replies: 25
Views: 1595

Re: 529s: Part of AA or Separate Bucket

Set the AA for the 529 based on the childs age and withdrawal plan. I started my grandsons 529 at 6 months old. I used the NV plan. I went with 100% aggressive. Next year when I add additional funds I will adjust that to 5% bonds, 10% moderate and 85% aggressive. Each year as I add money, I will con...
by l2ridehd
Mon Sep 02, 2013 6:34 am
 
Forum: Investing - Help with Personal Investments
Topic: 529s: Part of AA or Separate Bucket
Replies: 18
Views: 1101

Re: VWENX Thoughts?

I like both Wellington and Wellsley. They have both performed well over a long time window. I have about 10% of total assets divided between them and I use them to rebalance. They have a 60/40 and a 40/60 AA. So once set up it becomes very easy just to move money between these two funds to keep your...
by l2ridehd
Fri Aug 23, 2013 7:04 am
 
Forum: Investing - Help with Personal Investments
Topic: VWENX Thoughts?
Replies: 16
Views: 1407

Re: new job 3.5 hours away

I had a house that I planned to keep in VA. Was going to CA for the job and did not plan to sell the VA home. What I did was meet with the HR folks to discuss relocation. Find out what they provided and paid for. During that discussion I asked about getting a rental subsidy vs moving. They were rece...
by l2ridehd
Mon Aug 19, 2013 5:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: new job 3.5 hours away
Replies: 21
Views: 2195

Re: new job 3.5 hours away

I did this a couple times. First time the job was 3000 miles away and I negotiated a monthly rental fee in place of a relocation package. We estimated the relocation would cost around 80K so I asked for a monthly rental reimbursement of $2500 a month for 2 years or $1500 a month for 3 years. A win w...
by l2ridehd
Mon Aug 19, 2013 2:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: new job 3.5 hours away
Replies: 21
Views: 2195

Re: Is the Gone Fishin' Portfolio flawed?

Looks a bit to complicated for me. You could use total international to replace the 3 funds non US. Also everyone's situation is different. I for example don't own REIT's as I own rental properties. One plan I like for managing withdrawals is when you rebalance remove the money for your SWR and plac...
by l2ridehd
Mon Aug 19, 2013 2:21 pm
 
Forum: Investing - Theory, News & General
Topic: Is the Gone Fishin' Portfolio flawed?
Replies: 22
Views: 6259

Re: Cash Balance Plan, unfunded pension & Asset Allocation

Your cash balance plan is some form of a Rabbi trust. They are used by firms to help provide a tax deferral benefit to high income earners and to provide a cash borrowing pool for the business. I have one that I just started drawing from as I retired last year. Over time (15 years) it grew to about ...
by l2ridehd
Wed Aug 14, 2013 7:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Cash Balance Plan, unfunded pension & Asset Allocation
Replies: 17
Views: 1059

Re: Clark Howard - Used cars vs New cars

I need a truck for my part time business, owning rental properties as I do all work and management myself, so I am usually on the look out for a decent deal. In 2010 I bought a used Toyota Tacoma for $17,000 with only 15000 miles on it and sold my 120K miles Explorer. I drove it for 3 years and it h...
by l2ridehd
Mon Aug 12, 2013 7:01 am
 
Forum: Personal Consumer Issues
Topic: Clark Howard - Used cars vs New cars
Replies: 8
Views: 1942

Re: Death Book

And keep this death book in a safe place labeled Uncle Teddies retirement letters or something a thief would pass by. Imagine if all this information fell into the wrong hands.
by l2ridehd
Thu Jul 18, 2013 6:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Death Book
Replies: 34
Views: 6351

Re: Business Travel to Tijuana/Tecate/Ensenada

Do it. I have traveled all over the world on business including most of Mexico and South America with minimal issues. Always keep a low profile, make sure your company has a "travel safety insurance" set up with a company like SOS, and make sure someone always knows where you are. As someo...
by l2ridehd
Wed Jun 12, 2013 7:10 am
 
Forum: Personal Consumer Issues
Topic: Business Travel to Tijuana/Tecate/Ensenada
Replies: 35
Views: 2172

Re: Wellington Fund or Total Stock Market Index Fund?

I like Wellington and own both it and Wellesley. I have them in my IRA and use them to re-balance by selling one and buying the other. Most everything else is in index funds with TSM in taxable and TBM in IRA. Having more room in the IRA I bought both of these and use them for maintaining and slowly...
by l2ridehd
Tue Jun 11, 2013 6:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Wellington Fund or Total Stock Market Index Fund?
Replies: 19
Views: 3035

Re: Premium Products That Are Worth It To You

Weber grill, they last forever
Stihl chain saw, leaf blower, hedge and edge trimmers
Kubota tractor, just goes and goes
Mercedes cars
Michelin tires
Ghroe faucets
and really good wine
by l2ridehd
Sat Jun 08, 2013 7:19 am
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 38532

Re: Looking for online international banking

I believe the Schwab investor checking will do everything she wants. Question on #1, what type of deposits does she want to make? Cash would be the only limitation. Checks can be scanned or take a picture on a smart phone and deposited.
by l2ridehd
Tue Jun 04, 2013 4:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for online international banking
Replies: 14
Views: 1014

Re: Where to stay in Barcelona

Bari Gothic is also very nice and close to everything. I stayed right directly across the square from the cathedral and could walk most places easily. Las Ramblas is nice but very touristy and busy. Also higher prices. Get Rick Steves book and follow his suggestions for a great time.
by l2ridehd
Mon Jun 03, 2013 3:54 pm
 
Forum: Personal Consumer Issues
Topic: Where to stay in Barcelona
Replies: 14
Views: 540
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