Search found 244 matches

by renter
Thu Aug 27, 2015 8:37 pm
Forum: Personal Consumer Issues
Topic: I need a classic men's black dress belt
Replies: 39
Views: 3217

Re: I need a classic men's black dress belt

A few years back I bought a new Ralph Lauren black belt on ebay. I vaguely recall it bring very inexpensive, maybe $20. It has held up great and I wear it virtually every day. The silver chrome is breaking down but gives it a cool patina.
by renter
Fri Jun 12, 2015 9:17 pm
Forum: Personal Consumer Issues
Topic: House addition software
Replies: 9
Views: 973

Re: House addition software

Thanks, that looks pretty slick! I'll explore it more.
by renter
Fri Jun 12, 2015 7:44 pm
Forum: Personal Consumer Issues
Topic: House addition software
Replies: 9
Views: 973

House addition software

The misses and I are looking to do an addition on our house, possibly adding 2 master bedrooms to the existing structure. We want to play around with design ideas ourselves before we hire a professional, either an architect or designer, to go forward officially with the design. Can anyone recommend ...
by renter
Tue May 26, 2015 12:32 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity 529 and Arizona and Deleware
Replies: 10
Views: 845

Re: Fidelity 529 and Arizona and Deleware

Last time I checked CA's 529 had rock bottom fees for stock index, probably about half of the ER in your post. You should check it out. That ER will make a difference over the long term, depending on amount invested and market performance. Even if just talking a few thousand bucks savings over long ...
by renter
Tue May 26, 2015 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Displeased with Fidelity Cash / BNY Mellon- debit card theft
Replies: 18
Views: 2177

Re: Displeased with Fidelity Cash / BNY Mellon- debit card theft

I've had my own issues with using Fidelity account as a "bank account" and now use my plain and boring credit union exclusively for all "banking". I would also never carry a debit card, just credit card and ATM only ATM card.
by renter
Fri May 08, 2015 9:53 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Mr. Bogle
Replies: 40
Views: 2970

Re: Happy Birthday Mr. Bogle

Happy birthday!
by renter
Mon Apr 27, 2015 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: lost a bid for questionable practice of seller's agent
Replies: 28
Views: 3712

Re: lost a bid for questionable practice of seller's agent

What are your indications that your bid was better, or is it just a guess? I hate realtors as much as the next guy but if your guessing I don't see the basis for filing a complaint until you know for sure.
by renter
Fri Apr 24, 2015 2:30 pm
Forum: Investing - Theory, News & General
Topic: A Great List of Useless Financial Porn Phrases
Replies: 30
Views: 4500

Re: A Great List of Useless Financial Porn Phrases

"If you don't listen to me, you deserve to be broke." - Tom Vu

by renter
Fri Apr 24, 2015 12:04 am
Forum: Investing - Theory, News & General
Topic: A Great List of Useless Financial Porn Phrases
Replies: 30
Views: 4500

Re: A Great List of Useless Financial Porn Phrases

From a cold call I got at work (my bad for accepting a call from an anonymous number): "Hi, this is [so and so] from [such and such long and ambiguous company name]. How are things going?" "Are you calling to sell me something?" "No, no. Nothing like that... So are you in th...
by renter
Thu Apr 23, 2015 11:48 pm
Forum: Investing - Theory, News & General
Topic: A Great List of Useless Financial Porn Phrases
Replies: 30
Views: 4500

Re: A Great List of Useless Financial Porn Phrases

"You have $1 million saved but the the computer says your Magic Number is $4 million. You can't afford not to use me."
by renter
Tue Apr 21, 2015 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: Best home mortgage lenders?
Replies: 26
Views: 3197

Re: Best home mortgage lenders?

I shopped around a lot and got the best rate from my credit union.
by renter
Sun Apr 12, 2015 11:31 am
Forum: Personal Consumer Issues
Topic: Kitchen upgrade - granite selection help
Replies: 52
Views: 5066

Re: Kitchen upgrade - granite selection help

Try Taj Mahal. More pricy but classy and goes with lots of colors.
by renter
Thu Apr 02, 2015 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Letter from Lawyer to enter my property to construct road
Replies: 39
Views: 7023

Re: Letter from Lawyer to enter my property to construct roa

If you hire a lawyer to review and respond to the letter, be sure you hire a lawyer that that does real estate litigation. A response letter from him will carry far more authority and gravitas than one from some random lawyer dude. It will also suggest that you're ready, willing and able to do battl...
by renter
Wed Apr 01, 2015 10:54 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 191
Views: 25221

Re: Bogleheads 2015 Hedge Fund Contest

Ahem... PocketLiner (the #2) is from me, renter, not Cayman.
by renter
Tue Mar 17, 2015 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: How Much To Negotiate Realtor Commission
Replies: 31
Views: 3091

Re: How Much To Negotiate Realtor Commission

I would strongly consider Redfin. I used Redfin when I bought my house, and it was a terrific experience, plus $12k in my pocket within days of closing, with a letter saying it wasn't taxable income per an IRS ruling. Paid for all new appliances. I will use them again..
by renter
Mon Mar 09, 2015 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for a 401k plan with mega backdoor ROTH
Replies: 8
Views: 1000

Looking for a 401k plan with mega backdoor ROTH

I work at a company with 15 people, growing a few people a year. Our 401k is full of overpriced funds and we want to change to a less expensive provider. We’re certainly going to look into Vanguard assuming they will accept a company the size of ours. But since we’re in the market for a new plan any...
by renter
Thu Feb 26, 2015 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford my dream house?
Replies: 49
Views: 4965

Re: Can I afford my dream house?

I was in a very similar situation when we bought our house. We were lucky that prices had softened when we bought. Rather than buy the most house we could afford, we bought an adequate house in the best school district and had provisioned a 2 year cash emergency fund set aside in case of job loss or...
by renter
Sat Feb 21, 2015 12:12 am
Forum: Personal Consumer Issues
Topic: Pick-Pockets
Replies: 63
Views: 6441

Re: Pick-Pockets

After a quick call, I put my cell phone in my backpack and started walking up a street. About five minutes later I took off my backpack and noticed that someone had unzipped it and removed my cell phone! I was shocked! I was in a downtown area in China but it wasn't terribly crowded and I hadn't bee...
by renter
Fri Feb 20, 2015 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Are banks required to deposit third party endorsed checks?
Replies: 52
Views: 6951

Re: Are banks required to deposit third party endorsed check

If it were me I'd just deposit it in the ATM.
by renter
Sun Jan 18, 2015 10:50 pm
Forum: Investing - Theory, News & General
Topic: Suze Orman: $100 into $860k, and cfiresim
Replies: 47
Views: 5807

Re: Suze Orman: $100 into $860k, and cfiresim

You're average dude investor that's invested 100% in stocks will likely sell during a market/decline panic, and could even lose principal.
by renter
Tue Jan 13, 2015 11:23 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle and I-Bonds
Replies: 10
Views: 1490

Re: Jack Bogle and I-Bonds

I have a good chunk in I bonds, but also have a good chunk in my traditional 401k. I wonder if I'm setting myself up for a tax time bomb 30 years down the road with RMD's + 30 years of interest to pay on each maturing bond. OTOH, a tax time bomb might also mean a "good problem to have".
by renter
Tue Jan 13, 2015 9:24 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle and I-Bonds
Replies: 10
Views: 1490

Re: Jack Bogle and I-Bonds

Does anyone know if Jack Bogle has publicly expressed an opinion about Series I Bonds? I searched and couldn't find anything. I've known Jack since 2000 and I've never heard him mention or discuss I Bonds. If he's been silent, can we safely infer that he's not a fan of them, or does not like them?
by renter
Tue Jan 13, 2015 9:17 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle and I-Bonds
Replies: 10
Views: 1490

Jack Bogle and I-Bonds

Does anyone know if Jack Bogle has publicly expressed an opinion about Series I Bonds? I searched and couldn't find anything.
by renter
Mon Jan 05, 2015 8:46 pm
Forum: Personal Consumer Issues
Topic: Accepting counter-offer to stay at job
Replies: 72
Views: 7319

Re: Accepting counter-offer to stay at job

All things considered, based on my intuition and the facts you've presented, I suspect taking the new job is likely the best long term move.
by renter
Sat Jan 03, 2015 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Aiming for $5k tax refund in I-bonds, but $800 short
Replies: 9
Views: 1172

Re: Aiming for $5k tax refund in I-bonds, but $800 short

Thanks for the feedback, much appreciated.
by renter
Sat Jan 03, 2015 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Aiming for $5k tax refund in I-bonds, but $800 short
Replies: 9
Views: 1172

Re: Aiming for $5k tax refund in I-bonds, but $800 short

Since I already used up all 4 vouchers for 2014, I wasn't sure if I could submit another voucher without causing confusion. I double checked TurboTax and it will let me add more than 4 estimated tax payments so all good there. I poked around online and it sounds like no problem to send a duplicate v...
by renter
Sat Jan 03, 2015 1:26 am
Forum: Personal Finance (Not Investing)
Topic: Aiming for $5k tax refund in I-bonds, but $800 short
Replies: 9
Views: 1172

Aiming for $5k tax refund in I-bonds, but $800 short

I made estimated tax payments in 2014. With an aim to get $5k federal refund in paper I-bonds, I over-withheld $5k when I made my estimated tax payments. I now realize that I miscalculated one area of my return, and this means that I only over-withheld $4200. I still want to get the full $5k refund ...
by renter
Thu Jan 01, 2015 4:14 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 191
Views: 25221

Re: Bogleheads 2015 Hedge Fund Contest

Fund name: Pocket Liner (Cayman) Ltd. Short AVNR Avanir Pharmaceuticals, CLASS A ESPR Esperion Therapeutic FB Facebook Long WMB WILLIAMS COMPANIES AVP Avon Products MAT Mattell A sincere thank you for your investment. Due to confidentiality rules, our fund expenses (and anything else about what we d...
by renter
Mon Dec 15, 2014 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Contributing to regular 401k and a solo 401k in same year
Replies: 4
Views: 324

Re: Contributing to regular 401k and a solo 401k in same yea

Thanks for the replies. I'll look into it more but I suspect the answer is No.
by renter
Mon Dec 15, 2014 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Contributing to regular 401k and a solo 401k in same year
Replies: 4
Views: 324

Contributing to regular 401k and a solo 401k in same year

I’m a partner at professional firm (a limited partnership) where I receive 2 forms of compensation – a salary of 2x minimum wage and a monthly draw that is my allocation of the partnership profits from the prior month. So each year I get a W2 for my salary income as an employee of firm, and a K1 for...
by renter
Mon Dec 08, 2014 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Ex-landlord won't return deposit
Replies: 29
Views: 3474

Re: Ex-landlord won't return deposit

I wonder, can you sell your claim to a collections agency? You won't get much for it, then let the collection agency have at it.
by renter
Tue Nov 18, 2014 7:27 pm
Forum: Personal Consumer Issues
Topic: Apple Stores - do they try to be awful?
Replies: 41
Views: 6549

Re: Apple Stores - do they try to be awful?

I have used Apple products for over 20 years. Owned every product and give them high marks. Have a substantial amount of Apple stock (only individual stock). Every time I enter the store (different cities/stores) the experience is the same. The folks that work there are arrogant, aloof, and inflexi...
by renter
Mon Nov 03, 2014 10:18 pm
Forum: Personal Consumer Issues
Topic: Kitchen Cabinets
Replies: 11
Views: 1683

Re: Kitchen Cabinets

We went with cliq studios, buying our cabinets on line. The quality was excellent and the price was reasonable. They'll send free samples. No sales tax. Free delivery. We had a local contractor do the installation. Just watch the upselling, and don't buy more fillers then you really need. With the $...
by renter
Tue Sep 30, 2014 11:56 pm
Forum: Personal Consumer Issues
Topic: Am I being scammed? Wolf range hood, defective delivery
Replies: 16
Views: 2158

Re: Am I being scammed? Wolf range hood, defective delivery

Here's an update. It took the store 3 deliveries to get the order right. Right before the third delivery, the salesman from the store called, with an angry tone, and asserted there was nothing wrong with the first shipment that we had sent back. The scratch didn't exist! he said. He was acting like ...
by renter
Mon Sep 22, 2014 9:55 pm
Forum: Personal Consumer Issues
Topic: Am I being scammed? Wolf range hood, defective delivery
Replies: 16
Views: 2158

Re: Am I being scammed? Wolf range hood, defective delivery

They came back today but delivered the wrong model #. We'll try one more time tomorrow.
by renter
Sun Sep 21, 2014 10:50 pm
Forum: Personal Consumer Issues
Topic: Am I being scammed? Wolf range hood, defective delivery
Replies: 16
Views: 2158

Re: Am I being scammed? Wolf range hood, defective delivery

The store says tomorrow they'll drop off a new unit and collect the old unit. So we'll see how it goes.
by renter
Sat Sep 20, 2014 12:37 am
Forum: Personal Consumer Issues
Topic: Am I being scammed? Wolf range hood, defective delivery
Replies: 16
Views: 2158

Re: Am I being scammed? Wolf range hood, defective delivery

It arrived yesterday and we opened it today.
by renter
Fri Sep 19, 2014 11:37 pm
Forum: Personal Consumer Issues
Topic: Am I being scammed? Wolf range hood, defective delivery
Replies: 16
Views: 2158

Am I being scammed? Wolf range hood, defective delivery

In a rare splerge as part of a kitchen remodel, we bought a high end stainless steal Wolf range hood from a local authorized dealer at around $4k. It arrived today. The box was enormous and in immaculate condition, and was delivered on top of a wood crate to which it was strapped. It looked very coo...
by renter
Fri May 16, 2014 12:09 am
Forum: Personal Finance (Not Investing)
Topic: UCLA vs USC Decision [Which college to attend]
Replies: 62
Views: 5012

Re: UCLA vs USC Decision [Which college to attend]

I would go with UCLA in a heartbeat. USC is in a horrible part of town and way more expensive and doubt there is any material differential in quality or reputation. If anything my sense is UCLA has the better name overall.
by renter
Mon Mar 10, 2014 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Flexible Spending Account (FSA) - problems with FSA vendor
Replies: 4
Views: 670

Re: Flexible Spending Account (FSA) - problems with FSA vend

As an update, I was informed that all my claims have suddenly been approved. The checks are 'in the mail.' :sharebeer Persistence paid off. I will never contribute to an FSA account after this experience.
by renter
Wed Mar 05, 2014 1:11 am
Forum: Personal Finance (Not Investing)
Topic: Flexible Spending Account (FSA) - problems with FSA vendor
Replies: 4
Views: 670

Re: Flexible Spending Account (FSA) - problems with FSA vend

"United Health Group"? Is that United HealthCare (UHC)? Before I retired, I wasted a year trying to get UHC to approve a medication which I needed, and my doctor's staff wasted a lot of time as well. UHC put me in a loop between themselves and my employer, HP, causing months of delay at e...
by renter
Wed Mar 05, 2014 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Flexible Spending Account (FSA) - problems with FSA vendor
Replies: 4
Views: 670

Flexible Spending Account (FSA) - problems with FSA vendor

My workplace uses Insperity for employee benefits and through its vendor, United Health Care, Insperity offers a Flexible Spending Account in which I particpiate. Of 4 totally legit medical reimbursement claims I submitted, 3 got rejected on spurious grounds. I've spent over 8 hours on phone calls w...
by renter
Wed Jan 01, 2014 12:31 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 537
Views: 17719

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

1848. Based on my proprietary multi-factor model.
by renter
Thu Apr 11, 2013 10:40 pm
Forum: Personal Consumer Issues
Topic: Tankless water heater - turns on even when cold water
Replies: 7
Views: 1477

Re: Tankless water heater - turns on even when cold water

Spoke to the plumber today. He says that our water pressure is extremely high, and fluctuates a lot. His proposed solution was to install a pressure regulator on our main line. We'll see how it goes!
by renter
Wed Apr 10, 2013 11:21 pm
Forum: Personal Consumer Issues
Topic: Tankless water heater - turns on even when cold water
Replies: 7
Views: 1477

Re: Tankless water heater - turns on even when cold water

It occurs no matter water what cold line is turned on (bathroom, laundry room, kitchen, front yard, backyard). Sounds like an installation problem or a problem with the "cold water valve" that you're turning on. The unit should only turn on when a hot water valve is turned on and it senses...
by renter
Wed Apr 10, 2013 10:42 pm
Forum: Personal Consumer Issues
Topic: Tankless water heater - turns on even when cold water
Replies: 7
Views: 1477

Tankless water heater - turns on even when cold water

To save space and hopefully save some $ over the long term, i installed a Takagi water heater in my house (to replace a tank unit). Works great for heating water. Curiously, the unit turns on (the fan and/or ignition, can't tell) even when I turn on just COLD water, although it doesn't heat the wate...
by renter
Thu Apr 04, 2013 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401k contribution question
Replies: 7
Views: 853

Re: Solo 401k contribution question

Ok, thanks very much.
by renter
Wed Apr 03, 2013 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401k contribution question
Replies: 7
Views: 853

Re: Solo 401k contribution question

All your assumptions are correct. So does this mean that it doesn't matter if they're classified as employer vs. employee contributions? I assume you aren't close to maxing the 401k limit from other employment. If you are, these contributions have to be employer contributions. I also assume these ar...
by renter
Wed Apr 03, 2013 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401k contribution question
Replies: 7
Views: 853

Solo 401k contribution question

I'm making a solo 401k contribution for year 2012 involving small amount (approx. $5000). Vanguard asked me if the contribution was the employee share or the employer share. Does it make a difference how I designate it if under either scenario the total amount contributed is below the $17500 thresho...

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