Search found 4120 matches

by stan1
Sun Jul 26, 2015 5:18 pm
Forum: Personal Consumer Issues
Topic: Vanguard Account Hacked
Replies: 22
Views: 2653

Re: Vanguard Account Hacked

What happened? - Your account was locked because someone was entering the wrong password (this happens a lot and is not necessarily hacking) - You noticed that your account was accessed (last access time) - Vanguard called you and told you there was suspicious activity - Money was withdrawn from the...
by stan1
Sun Jul 26, 2015 2:25 pm
Forum: Personal Consumer Issues
Topic: Vanguard Account Hacked
Replies: 22
Views: 2653

Re: Vanguard Account Hacked

Can you please give more detail on what happened? There are plenty of folks on this board who can offer their advice with more detail.
by stan1
Sun Jul 26, 2015 2:15 pm
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 163
Views: 9314

Re: Would you look down on a co-worker for driving a beater?

You are seeing some selection bias on this board. For every person who admires frugality there are multiple who will laugh at you (holding no ill will) and some who will judge unfortunately. If you are in sales or are an attorney unfortunately there are situations where image can matter to peers as ...
by stan1
Thu Jul 23, 2015 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Performance review for Boss!
Replies: 20
Views: 2212

Re: Performance review for Boss!

I'd offer positive comments and withhold "constructive criticism".

If I didn't think my boss was doing a good job I would forget to submit the evaluation.
by stan1
Tue Jul 21, 2015 6:42 pm
Forum: Personal Consumer Issues
Topic: Whole House Fan with Simple Automation
Replies: 12
Views: 1251

Re: Whole House Fan with Simple Automation

We use our whole house fan most every day from June to September and reduced the number of days we need to use the air conditioning each summer from about 120 to 20 saving I'd guess about $400-600 each season. We've had it for about 15 years. We have an Intermatic timer (it does break about every 5 ...
by stan1
Mon Jul 20, 2015 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Military career or Top MBA
Replies: 37
Views: 3658

Re: Military career or Top MBA

The grass may not be greener on the other side of the fence. There aren't a whole lot of $100K+/year jobs out there that are 40 hours per week 8 to 5 jobs with infrequent travel. If you did happen to find such a job you'd likely be at the top of the list for layoffs as there would always be many peo...
by stan1
Sun Jul 19, 2015 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: What can you deduct for undermarket rental?
Replies: 23
Views: 1621

Re: What can you deduct for undermarket rental?

365 personal-use days results in $0 deductible rental expenses. Mortgage interest and real estate taxes may be deductible on Sch A. Great analysis, so the occupant is essentially a roommate or caretaker living in OP's second home contributing $500/month to household expenses. I'm sure this isn't wh...
by stan1
Sun Jul 19, 2015 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: What can you deduct for undermarket rental?
Replies: 23
Views: 1621

Re: What can you deduct for undermarket rental?

fortunefavored wrote:Talking to "several accountants" sure is worrying sounding


You may get lucky and the first one will tell an answer that sounds reasonable to you. If you don't like what the first one says get a second opinion.
by stan1
Sun Jul 19, 2015 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Questions from a Likely Buyer of a FSBO
Replies: 23
Views: 1554

Re: Questions from a Likely Buyer of a FSBO

In my opinion, there is WAAAAAAAY too much money involved to not have legal representation. The offer to purchase is a legal contract, there is no way that I'm going for the false economy of doing it myself. Things go wrong with selling/buying a house all the time .... Another way to look at is tha...
by stan1
Sun Jul 19, 2015 10:05 am
Forum: Personal Finance (Not Investing)
Topic: What can you deduct for undermarket rental?
Replies: 23
Views: 1621

Re: What can you deduct for undermarket rental?

You need to talk to several accountants and look at your entire tax situation to include your risk of being audited. It is very complicated and the accountants may even give you conflicting advice which you'll have to sort out. Agree there is often a lot of bad advice given (some of it is overly con...
by stan1
Sat Jul 18, 2015 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Two potential taxable account allocations
Replies: 21
Views: 1339

Re: Two potential taxable account allocations

How would you rebalance Allocation #2? I've rebalanced through new contributions, reallocating asset classes in my retirement accounts, donating overweight asset classes to charity, and occasionally selling taxable investments to pay for a large purchase. I'd propose #3 as a middle ground, which is ...
by stan1
Sat Jul 18, 2015 8:37 am
Forum: Personal Finance (Not Investing)
Topic: losing money on a house....how do Bogleheads deal with it emotionally?
Replies: 76
Views: 6014

Re: losing money on a house....how do Bogleheads deal with it emotionally?

How about you tell her to quit whining and make a real sustained effort to find a way to enjoy your current residence. Maybe she should get out into the community and get more involved to make new friends. Get involved in local community affairs, do some volunteer work, start a reading group in nei...
by stan1
Wed Jul 15, 2015 7:58 am
Forum: Personal Consumer Issues
Topic: Vanguard's Security image going away?
Replies: 71
Views: 6971

Re: Vanguard's Security image going away?

Yes, the image is gone and login/password are on the same page.

The text message 6 digit code that expires after 10 minutes is a much better approach.
by stan1
Wed Jul 15, 2015 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Renegotiating Contract, selling our house
Replies: 18
Views: 1501

Re: Renegotiating Contract, selling our house

What I'd suggest doing is politely sitting down with the Realtor and discussing the relationship. Something along the lines of "I'm not sure this is working out for either of us. I'd like to move on." Try not to become emotional and do not accuse the Realtor. Realtors make money when they ...
by stan1
Tue Jul 14, 2015 10:02 pm
Forum: Personal Consumer Issues
Topic: Vanguard's Security image going away?
Replies: 71
Views: 6971

Re: Vanguard changing sign on.

Already discussed here. https://www.bogleheads.org/forum/viewtopic.php?t=168958 The security image is the worst kind of security theater. The image makes you feel safer, but it isn't that hard for your image to be intercepted. It's presence could lead you to have greater confidence in a site that ap...
by stan1
Tue Jul 14, 2015 8:18 am
Forum: Personal Consumer Issues
Topic: Builder wants to put a retaining wall on my property
Replies: 52
Views: 4553

Re: Builder wants to put a retaining wall on my property

Wow – lots of good replies, and quickly. Thank you. In response to some questions . . . - The city owns the alley. I’m not sure whether there is an existing easement into my property. - I haven’t spoken with the developer or the city planning department so I don’t know why this is a necessity for t...
by stan1
Tue Jul 14, 2015 5:32 am
Forum: Investing - Help with Personal Investments
Topic: 26 in California: Maxing out Roth IRA/401k, but what to do about HSA?
Replies: 19
Views: 2241

Re: 26 in California: Maxing out Roth IRA/401k, but what to do about HSA?

It's a personal decision, but if it was me I'd pay the extra $17/month if that meant getting the annual deductible down from $2500 to $250 (or $0 if that's what your Kaiser plan is). Your employer is highly subsidizing your health insurance. I was healthy in my 20s/30s and many years did not meet m...
by stan1
Tue Jul 14, 2015 5:21 am
Forum: Personal Consumer Issues
Topic: Cost of Routine Dental Cleanings
Replies: 50
Views: 4087

Re: Cost of Routine Dental Cleanings

My dentist does my x-rays ever 18 months (I have no fillings, cavities, etc.).
I have my teeth cleaned twice per year with an exam. Cost is $162 in a HCOL/VHCOL area.
He does not represent any of his service as an oral cancer screening.
by stan1
Sun Jul 12, 2015 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a home for parent
Replies: 14
Views: 1350

Re: Buying a home for parent

likewise one person letting another live in a house for free also requires a gift tax return if the annual market value of the rent is >$14k (or multiple if two people own the house, etc). That's not an issue if rents are only $450/month, but in many areas annual market value of rent in a decent pl...
by stan1
Sun Jul 12, 2015 1:51 pm
Forum: Personal Consumer Issues
Topic: Password Management
Replies: 56
Views: 2925

Re: Password Management

Do you have two factor authentication enabled for Google? Have you followed the procedures on the Google security checkup website (e.g. text message verification, etc.) yes, all of it. Hence my initial question re simpler PWs and 2 step. I'd change the email account passwords and stop using all thi...
by stan1
Sun Jul 12, 2015 1:12 pm
Forum: Personal Consumer Issues
Topic: Password Management
Replies: 56
Views: 2925

Re: Password Management

OK, I don't have a Hotmail account and I don't use POP3 so maybe others can talk to those, but for Google Mail you can look at what devices have tried to access your account in the past 28 days -- do you see any you do not recognize? Directions on how to do this are here: https://support.google.com/...
by stan1
Sun Jul 12, 2015 12:30 pm
Forum: Personal Consumer Issues
Topic: Password Management
Replies: 56
Views: 2925

Re: Password Management

If I look at my outlook or gmail accounts for security attempts I can see several/many from Vietnam, China, Russia, Bolivia, etc. I know their trying. But won't they have to brute force it and get a random code that expires in 10 minutes too? What do you mean by this? Are you looking at your spam f...
by stan1
Sun Jul 12, 2015 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a home for parent
Replies: 14
Views: 1350

Re: Buying a home for parent

It sounds like you don't need to do anything right now, correct? $450/month is very low rent. The only way she'd get anything for less is if she moved into your house. Seems like keeping that house as long as she can, continuing ACA until she gets Medicare, continuing to do the home health care, and...
by stan1
Sun Jul 12, 2015 11:47 am
Forum: Personal Consumer Issues
Topic: Password Management
Replies: 56
Views: 2925

Re: Password Management

On the other hand the three factors are: ⋅ Something you are (e.g. fingerprints) ⋅ Something you have (e.g. dongle) ⋅ Something you know (e.g. password) One problem: an "unnamed" nation state now has fingerprints for 1M+ Americans so the whole assumption that...
by stan1
Sun Jul 12, 2015 10:29 am
Forum: Personal Consumer Issues
Topic: House Layout: Where to put Dining Table?
Replies: 23
Views: 1737

Re: House Layout: Where to put Dining Table?

I'm great at giving high cost advice. If you are going to stay in the house for a long time and have the financial ability/desire I'd consider converting part of the covered patio into livable space by connecting the breakfast area with the living room. That would create a very open floor plan with ...
by stan1
Sat Jul 11, 2015 11:15 am
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 194
Views: 16888

Re: OPM breach and credit freeze

The attackers got a whole lot of your personal information. They didn't get passwords, but they did get: social security numbers, addresses, work history, mother's maiden name and so on. Changing security question answers makes a lot more sense. They did get the passwords for the EQIP website that ...
by stan1
Sat Jul 11, 2015 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA over-contribution
Replies: 6
Views: 465

Re: Roth IRA over-contribution

The IRS recommends keeping tax returns for 3 years. You should have shredded your 2009 return several years ago.
by stan1
Fri Jul 10, 2015 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Condo - repair or sell as-is?
Replies: 6
Views: 532

Re: Condo - repair or sell as-is?

Get rid of it and move on with life.
by stan1
Fri Jul 10, 2015 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: A Career in Golf?
Replies: 22
Views: 2445

Re: A Career in Golf?

Seems like he needs to find a mentor (not necessarily a former player but someone who really knows the sport, business, and people). I think he'll have better luck finding that person in person than on the internet -- but anything is possible.
by stan1
Fri Jul 10, 2015 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Commuting vs. weekday widowing
Replies: 27
Views: 2470

Re: Commuting vs. weekday widowing

A 4 hour daily commute + 9-10 hours on site is not worth it. If you can take credit for working on the train and get it down to 4 hours commute + 6-7 hours in the office it might be acceptable (although wifi and even aircards in trains can be spotty). Can you telework from your home every other week...
by stan1
Fri Jul 10, 2015 5:13 pm
Forum: Personal Consumer Issues
Topic: Buying a House Drama
Replies: 23
Views: 2737

Re: Buying a House Drama

You are essentially asking the seller to pay for a lot of repairs/upgrades. It looks like you are discounting at retail cost but expect to do the work yourself. Classic low ball technique that may occasionally work but not very often because there are usually other buyers willing to pay more. If she...
by stan1
Fri Jul 10, 2015 5:11 am
Forum: Personal Consumer Issues
Topic: Selling Home: Replace, Clean or Leave Carpet Alone
Replies: 11
Views: 1005

Re: Selling Home: Replace, Clean or Leave Carpet Alone

Agree with cheese_breath, as you've described the situation it sounds like you should get a quote to replace the carpet. It's usually not hard to find something on sale at a carpet store that will work especially for a basement. No need to be fancy but stick with a light neutral beige or off gray. C...
by stan1
Wed Jul 08, 2015 10:31 pm
Forum: Personal Consumer Issues
Topic: Is it a good idea to travel to Western Europe with kids?
Replies: 39
Views: 2283

Re: Is it a good idea to travel to Western Europe with kids?

Your kids are not too young to go to Europe. If you want everything taken care of I have friends who highly recommend Disney vacations in Europe (just keep in mind having everything taken care of means paying to have everything taken care of). With one week I would go to just one location: London, P...
by stan1
Wed Jul 08, 2015 8:33 am
Forum: Personal Consumer Issues
Topic: Productivity Apps that you pay for
Replies: 21
Views: 1636

Re: Productivity Apps that you pay for

Lastpass
Evernote (premium is free with a WSJ subscription)
Mozy
Yahoo mail (no ad version)

I split my documents and photos up between Google Drive, Dropbox, etc. to keep everything under the free limits.
by stan1
Wed Jul 08, 2015 3:53 am
Forum: Personal Consumer Issues
Topic: Car totaled now what?
Replies: 14
Views: 1438

Re: Car totaled now what?

Several ways you could go. I'd say drive the 4Runner for 2-3 years until I had the personal loans paid off and have built up enough for a decent down payment on the new Outback or cash for a 10-15 year old Honda/Subaru. These days as you are finding out there often isn't much advantage to buying a 3...
by stan1
Wed Jul 08, 2015 3:33 am
Forum: Investing - Help with Personal Investments
Topic: 26 in California: Maxing out Roth IRA/401k, but what to do about HSA?
Replies: 19
Views: 2241

Re: 26 in California: Maxing out Roth IRA/401k, but what to do about HSA?

It's a personal decision, but if it was me I'd pay the extra $17/month if that meant getting the annual deductible down from $2500 to $250 (or $0 if that's what your Kaiser plan is). Your employer is highly subsidizing your health insurance. I was healthy in my 20s/30s and many years did not meet my...
by stan1
Tue Jul 07, 2015 7:38 pm
Forum: Personal Consumer Issues
Topic: Information re Unsafe Areas While Traveling
Replies: 11
Views: 1214

Re: Information re Unsafe Areas While Traveling

Tourist areas are generally going to be patrolled. Terrorist attacks and pickpockets are probably facts of life so I'm not going to use either of those as a measure to determine safety (otherwise Eiffel Tower and London Tube would be off limits). "Unsafe" to me means war, kidnappings and m...
by stan1
Sun Jul 05, 2015 9:46 pm
Forum: Personal Consumer Issues
Topic: Please help me improve my online security
Replies: 24
Views: 2425

Re: Please help me improve my online security

A friend of mine, a retired Federal employee, is currently "under attack" on both his home computer and his online investment accounts. He's cancelled all his online access to investments and gone paper -- just like pre-internet days. His investment companies are aware of the attack and h...
by stan1
Sun Jul 05, 2015 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: I was laid off June 30. Can you please help me figure out a few things?
Replies: 18
Views: 3966

Re: I was laid off June 30. Can you please help me figure out a few things?

Sorry to hear the news, but hopefully you'll find another opportunity fairly fast. Start networking with your current and former associates so you can learn about as many opportunities as you can. Yes, I'd roll the high expense 401k over to a Vanguard Traditional IRA for now unless your wife makes a...
by stan1
Sun Jul 05, 2015 11:49 am
Forum: Personal Consumer Issues
Topic: Internet storage and backup for Mac. Dropbox, iCloud, others?
Replies: 54
Views: 3189

Re: Internet storage and backup for Mac. Dropbox, iCloud, others?

Not sure why people feel that a cloud-based backup is preferred or even necessary. It's inherently less secure and more costly than a local backup. I have a Mac and a USB drive (about $60) directly connected to the Mac, and use the built-in Time Machine feature within the operating system. I sync a...
by stan1
Sat Jul 04, 2015 5:18 pm
Forum: Personal Consumer Issues
Topic: Please help me improve my online security
Replies: 24
Views: 2425

Re: Please help me improve my online security

You've done a lot, but probably the most important thing to do is be very vigilant about what websites you visit (intentionally and unintentionally). Don't click on links in emails and or open email attachments unless you really need to. Make sure you are going to authentic websites e.g. http://www....
by stan1
Sat Jul 04, 2015 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Funds that exclude one country
Replies: 27
Views: 1353

Re: Funds that exclude one country

Like trying to pick individual stocks, I would not pick (or exclude) individual countries. "Own the Market" works for me. Best wishes. Not trying to outwit the market. Moral objections due to personal family history. If the returns are lower, so be it. I don't want to name the specific co...
by stan1
Sat Jul 04, 2015 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Borrowing money from my 401k
Replies: 26
Views: 2012

Re: Borrowing money from my 401k

Have you looked into a re-fi on the car loan? I don't know whether it would work out in your case, but if you still have a large balance I might consider looking at options with a credit union now that you have verified income and credit history. I've tried but my credit history is too new and no o...
by stan1
Sat Jul 04, 2015 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Borrowing money from my 401k
Replies: 26
Views: 2012

Re: Borrowing money from my 401k

Have you looked into a re-fi on the car loan? I don't know whether it would work out in your case, but if you still have a large balance I might consider looking at options with a credit union now that you have verified income and credit history.
by stan1
Sat Jul 04, 2015 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: How to best keep asset allocation on track
Replies: 7
Views: 1360

Re: How to best keep asset allocation on track

That's one of the worst 401k/403b plans I've seen in awhile. Hopefully recent court decisions, including the Supreme Court's decision in Tibble vs. Edison International will help motivate your employer to be more proactive. The decision in Tibble vs. Edison International found that employers have an...
by stan1
Sat Jul 04, 2015 1:09 pm
Forum: Personal Consumer Issues
Topic: London Edinburgh by car
Replies: 26
Views: 1654

Re: London Edinburgh by car

The hardest part for me was right turns at intersections that didn't have a 4 way stop. Have to get used to looking both ways when you are making a right turn and then making sure you end up in the correct (left) lane after making a right turn (especially important if you are turning onto a high spe...
by stan1
Sat Jul 04, 2015 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: I'm spending 20% more than what i estimate. Easy way to track my expenses?
Replies: 52
Views: 4125

Re: I'm spending 20% more than what i estimate. Easy way to track my expenses?

Mint or Quicken will help with the data capture so you don't need to enter everything yourself -- but you may still need to spend some time making sure everything is categorized correctly. Your credit card issuer may also have some analysis tools built into their website to show you where money is b...
by stan1
Sat Jul 04, 2015 12:48 pm
Forum: Personal Consumer Issues
Topic: Replacing broken furniture drawer hardware.
Replies: 11
Views: 832

Re: Replacing broken furniture drawer hardware.

Taking everything to a local metal shop seems like a good idea if you like the style.
by stan1
Sat Jul 04, 2015 12:05 pm
Forum: Personal Consumer Issues
Topic: Eating Out
Replies: 57
Views: 6856

Re: Eating Out

I'd try to keep the $90 meal down to once per month (at most). There are many less expensive places where you can have a good meal and enjoy time with your friends. Trying to keep up with your friends who spend a lot of money only gets harder in the future: they'll send kids to private schools so yo...

Go to advanced search