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Re: How to pay for Home Addition

1) Make sure you budget to move out of the house (for longer than you think it will take) 2) I would consider using taxable accounts to pay for much of this work. Calculate the actual tax that would be due before you assume it would be a lot of money if you would be paying 15% long term capital gain...
by stan1
Mon Sep 22, 2014 4:04 am
 
Forum: Personal Finance (Not Investing)
Topic: How to pay for Home Addition
Replies: 17
Views: 1137

Re: Home improvement or max out retirement savings?

I'm inclined to say you should max out your retirement accounts, get the items on the house taken care of ASAP especially if there is any chance of water/ice damage, and once that's done pay off your mortgage early. Of course if you feel your employment is not secure or there's another issue you hav...
by stan1
Mon Sep 22, 2014 12:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Home improvement or max out retirement savings?
Replies: 10
Views: 875

Re: 3-Fund vs. Target Fund

Here's the discussion on the wiki:
http://www.bogleheads.org/wiki/Vanguard ... ment_funds

Pros and cons are both discussed.
by stan1
Sun Sep 21, 2014 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3-Fund vs. Target Fund
Replies: 7
Views: 995

Re: Help! Are we making a huge mistake?

Actually, it is not that making money is the goal. Rather, the question is whether it is irresponsible to walk away from the possibility of saving as much in 3 years, which is not a long time. Thank you so much for your kind advise. Irresponsible? No one has a "responsibility" to accumula...
by stan1
Sat Sep 20, 2014 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Help! Are we making a huge mistake?
Replies: 39
Views: 5017

Re: Should I step in to help my in law pay off credit card d

If you can afford to pay the bill -- do so with no strings other than taking care of family. Caveats: I would spend a lot more than $3K on my dog if it would keep him happily with us for a few years longer and I contribute money every month to help my mom live in a retirement apartment with a noon m...
by stan1
Tue Sep 16, 2014 10:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I step in to help my in law pay off credit card debt
Replies: 31
Views: 2597

Re: Strange Billing Practice by Medical Provider

Need to clarify: is the doctor asking your relative to pay a fixed co-pay at the time of visit ($20-50, depending upon insurance) and then the insurance covers the rest? My BCBS PPO plan documentation states that I am supposed to pay the co-pay at the time the service is provided. If its not a co-pa...
by stan1
Tue Sep 16, 2014 9:16 am
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 38
Views: 2694

Re: Best Outlook app for iPhone

Can anyone recommend a good Outlook app for the iPhone? I am getting tired of using Safari to access my work email. Thanks! Are you accessing it through Outlook Webmail which you log in through Safari? If so your employer may or may not support another email client. Suggest you ask your IT guys/gal...
by stan1
Sun Sep 14, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Best Outlook app for iPhone
Replies: 11
Views: 692

Re: Best Time Of Year To Visit Mediterranean

Have not done it, but here's a suggestion: Dubrovnik, Croatia
by stan1
Sun Sep 14, 2014 8:16 pm
 
Forum: Personal Consumer Issues
Topic: Best Time Of Year To Visit Mediterranean
Replies: 28
Views: 1389

Re: Best Time Of Year To Visit Mediterranean

Swampy wrote:Duly noted. I was in Italy one June and, not only was it hot (like Miami in June), they don't believe in AC.


It's not just that they don't believe -- energy is imported and expensive in Italy and other Med countries.
by stan1
Sun Sep 14, 2014 5:32 pm
 
Forum: Personal Consumer Issues
Topic: Best Time Of Year To Visit Mediterranean
Replies: 28
Views: 1389

Re: Best Time Of Year To Visit Mediterranean

I would avoid July/August. Hot and crowded everywhere.
by stan1
Sun Sep 14, 2014 5:22 pm
 
Forum: Personal Consumer Issues
Topic: Best Time Of Year To Visit Mediterranean
Replies: 28
Views: 1389

Re: Email security risk from staying logged in?

You also need to be more careful if there's a reason you might be targeted. That doesn't just apply to a celebrity or politician -- it could also mean a C-level executive at a Fortune 500 company or an attorney/expert involved in any high profile negotiation or court case or anyone who has knowledge...
by stan1
Sun Sep 14, 2014 5:21 pm
 
Forum: Personal Consumer Issues
Topic: Email security risk from staying logged in?
Replies: 10
Views: 1110

Re: How to get a child a different teacher after a bad start

Anyone else experience deja vu? http://www.bogleheads.org/forum/viewtopic.php?f=11&t=121795&p=1784888 This may be a bit controversial, but it seems to me unlikely that a kindergarten teacher is likely to take an immediate dislike to a child absent provocation (unless there are some underlyi...
by stan1
Sun Sep 14, 2014 11:52 am
 
Forum: Personal Consumer Issues
Topic: How to get a child a different teacher after a bad start?
Replies: 30
Views: 2577

Re: Is my computer monitor going bad?

Does the Dell monitor have an external power supply (like a laptop)?
One of ours does, and we had to replace the power supply (cost: $14 on Amazon).
by stan1
Sun Sep 14, 2014 9:57 am
 
Forum: Personal Consumer Issues
Topic: Is my computer monitor going bad?
Replies: 12
Views: 746

Re: What to do with current home if we purchase new one

Given the cats (and what may be the need to rehabilitate their bedroom) I'd try to buy the new town house first (with a mortgage) or move into temporary quarters first then sell the old house after you've moved into the new house. Listing a house with pets inside is stressful. You'll need to make su...
by stan1
Sun Sep 14, 2014 9:03 am
 
Forum: Personal Finance (Not Investing)
Topic: What to do with current home if we purchase new one
Replies: 5
Views: 937

Re: Repair/maintain the BMW or get a new car?

A BMW never makes sense strictly from a financial point of view. If you no longer enjoy the car get rid of it.
by stan1
Sat Sep 13, 2014 6:29 pm
 
Forum: Personal Consumer Issues
Topic: Repair/maintain the BMW or get a new car?
Replies: 24
Views: 2169

Re: Local Mover Selection

I would move fragile items yourself on a local move if at all possible (dishes, glassware, TVs, computers ....)
by stan1
Sat Sep 13, 2014 5:47 pm
 
Forum: Personal Consumer Issues
Topic: Local Mover Selection
Replies: 8
Views: 436

Re: Glitchy Web-Browsing

Try it on both Wi-Fi and Ethernet, especially if you have a large screen monitor. I have an interference problem between my monitor and Wi-Fi on my Macbook Air. The only workaround I came up with was to use Ethernet not Wi-Fi at my desk (short of buying a new monitor which I don't want to do, and wh...
by stan1
Sat Sep 13, 2014 3:01 pm
 
Forum: Personal Consumer Issues
Topic: Glitchy Web-Browsing
Replies: 21
Views: 995

Re: Reality check (house purchase)

Many people with your salary level do buy houses in your price range in HCOL areas. The people who post on this board are very conservative. I think you can do it (a mortgage company will give you a loan), if it is a priority for your immediate family's lifestyle. Retirement and college savings migh...
by stan1
Sat Sep 13, 2014 7:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Reality check (house purchase)
Replies: 16
Views: 2092

Re: Neighborhood kid around 13 throwing rocks at my house

That's really bizarre. You've actually seen him throw the rocks and you're sure he doesn't throw them at anyone elses's house? Are they new neighbors or just a new behavior? Not at all. I think most 13 year old boys go through a rock throwing or slightly rebellious phase about that age. It does not...
by stan1
Fri Sep 12, 2014 8:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 3108

Re: Neighborhood kid around 13 throwing rocks at my house

At age 13 I think you need to start with the kid. If you go to his parents or police first there's a reaonable chance you'll see escalation/retribution. Rather than just saying hi to him I'd try to engage him a little more. Say something about his t-shirt or backpack. Introduce yourself by your firs...
by stan1
Fri Sep 12, 2014 7:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 3108

Re: Vanguard Recommending Quicken Changes

I'm going to go a few days without trying to fix it .... that was the best advice when this happened last year. After the early adopters have posted that its working reliably I'll deactivate and reactivate.
by stan1
Thu Sep 11, 2014 9:00 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Recommending Quicken Changes
Replies: 51
Views: 4628

Re: how will paid-off house affect mortgage app for new home

Your plan should work because you don't have a mortgage on the current house and can afford the new house without having to sell the current house. If you didn't have the down payment for the new house or if you had a large mortgage on the current house you'd probably have some problems. Most people...
by stan1
Wed Sep 10, 2014 10:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: how will paid-off house affect mortgage app for new home?
Replies: 5
Views: 712

Re: Home purchase negotiation: credit or reduced price?

You'll probably get a better answer if you tell us what some of the repairs are. A successful seller's realtor is going to have a short list of preferred contractors and handymen that have proven themselves to the realtor to be reliable, fast, reasonably competent, and reasonably affordable -- but k...
by stan1
Wed Sep 10, 2014 7:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Home purchase negotiation: credit or reduced price?
Replies: 17
Views: 1230

Re: Poll: Which iPhone 6?

I think the 6 Plus will be too big to fit in my pocket so I'm leaning towards the 6 (64 GB).

I have no plans to use TouchID. If my fingerprint is compromised I can't get a new one. It's just a matter of time until phone thieves want a finger tip as well as the phone.
by stan1
Tue Sep 09, 2014 11:26 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 2997

Re: Repair/maintain the BMW or get a new car?

Is it a 328i, 335i, or something else? The 328i e90/e92s have been relatively reliable and 40K miles is low. Spending $2500 on maintenance items is to be expected, and if you do the items you've listed the car should be good for at least a few more years if it has otherwise been reliable. If its a 2...
by stan1
Tue Sep 09, 2014 9:28 pm
 
Forum: Personal Consumer Issues
Topic: Repair/maintain the BMW or get a new car?
Replies: 24
Views: 2169

Re: Home Depot Breach - zip codes revealed

Apparently the breach might have started as early as April 2014, and Home Depot is providing free identity protection . I am pretty sure I made at least 10+ purchases at HomeDepot/HomeDepot.com since April 2014 owing to some remodeling. I plan to do the following: 1. Cancel credit cards and request...
by stan1
Tue Sep 09, 2014 7:58 am
 
Forum: Personal Consumer Issues
Topic: Home Depot Breach - zip codes revealed
Replies: 43
Views: 5850

Re: Cruise Around the World

Have anyone had a chance to cruise around the world? How rigorous was it? 3, 4, 6 months away from home, was it too much? How do u manage ur bills while away from home? Would you do it again? Someday we might as I know we would enjoy it. I've been on a 14 day repositioning cruise across the Atlanti...
by stan1
Tue Sep 09, 2014 7:52 am
 
Forum: Personal Consumer Issues
Topic: Cruise Around the World
Replies: 14
Views: 1398

Re: HELOC Vent

I agree with edge that you are describing a fairly complex set of maneuvers with the existing home, second home mortgage and the HELOC (and it sounds like you are still evolving your plans). You could try working with a smaller lender or mortgage broker who might have more flexibility to listen to y...
by stan1
Sun Sep 07, 2014 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: HELOC Vent
Replies: 19
Views: 2024

Re: Help with Vanguard Slice and Dice 80-20 Portfolio

It's not precisely the same, but my model for equities is:

Domestic: 2/3 Total Stock Market + 1/3 Small Cap Value
International: 2/3 Total International Stock Market + 1/3 International Small
by stan1
Sat Sep 06, 2014 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Vanguard Slice and Dice 80-20 Portfolio
Replies: 6
Views: 749

Re: Vanguard Lost $50k

Vanguard does not move fast on issues like this and their process does give the appearance of being shuffled around which makes customers upset. It has worked this way for at least the last 15 years I've had an account at Vanguard so they don't seem to be overly worried about it. A person who can ac...
by stan1
Sat Sep 06, 2014 12:27 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10728

Re: POLL: What was the first stock you ever bought?

Warner Communications (because they owned Atari).
by stan1
Fri Sep 05, 2014 7:15 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: What was the first stock you ever bought?
Replies: 74
Views: 2803

Re: Do you consider your emergency fund part of your portfol

First tier cash (used for regular expenses) - No Second tier cash (used for house repairs, vacations, new car) - Yes, as part of fixed income. Sometimes I move cash in and out of muni bonds (yes, I market time part of my fixed income based on yield). I don't think it makes much of a difference over ...
by stan1
Fri Sep 05, 2014 6:56 pm
 
Forum: Investing - Theory, News & General
Topic: Do you consider your emergency fund part of your portfolio?
Replies: 50
Views: 3043

Re: Graduating Debt-Free, or with Elite College Degree?

If she dreams of being a teacher the above list of top tier research universities is not the right place for her and a Harvard degree will never "pay off". Don't be so sure. A friend of mine graduated from Princeton with the intention of becoming a high school teacher. Thanks at least in ...
by stan1
Fri Sep 05, 2014 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Graduating Debt-Free, or with Elite College Degree?
Replies: 92
Views: 4856

Re: Where can I go to get a signature guarantee or Medallion

My credit union does it at no cost, but only certain employees can do it so you have to show up when one of them is there.
by stan1
Fri Sep 05, 2014 6:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where can I go to get a signature guarantee or Medallion sig
Replies: 21
Views: 1225

Re: Issues with home inspector?

My recommendation is twofold: 1) pay the inspector more to spend more time on the property (at least 4 hours longer if the house is very large or very old). Treat the inspector like a professional and you'll get better answers; 2) accompany the inspector for the duration of his time on the property ...
by stan1
Fri Sep 05, 2014 6:20 pm
 
Forum: Personal Consumer Issues
Topic: Issues with home inspector?
Replies: 24
Views: 1081

Re: Poll: Cash Holdings

We have several 3% Pen Fed CDs and now two 5% Navy Federal CDs that I include as fixed income in my asset allocation. I do not count my primary checking accounts as investments but i do have second tier cash savings accounts earning about 0.8-1% right now that I do include in my investment portfolio...
by stan1
Fri Sep 05, 2014 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Cash Holdings
Replies: 65
Views: 3621

Re: Graduating Debt-Free, or with Elite College Degree?

These include the Universities of Texas, Maryland, Washington, Wisconsin, Michigan, Illinois, Colorado,North Carolina, Minnesota and 6 campuses of the University of California These are ALL academically elite schools by any legitimate measure These are the schools I would target: Top Tier public un...
by stan1
Fri Sep 05, 2014 5:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Graduating Debt-Free, or with Elite College Degree?
Replies: 92
Views: 4856

Re: relo property and "illegal" partially finished basement

Today we had home inspection and home inspector told us just looking at basement layout that it seems to be done without permit and not upto code. He said it would cost close to 2K-3k to bring upto code ( electrical work/new door to entrance of Furnace/Water heater and covering up area under stairs...
by stan1
Fri Sep 05, 2014 9:56 am
 
Forum: Personal Finance (Not Investing)
Topic: relo property and "illegal" partially finished basement
Replies: 23
Views: 1288

Re: Offered Promotion, but longer commute

I can't move because my I bought a place, my kids are enrolled in a great school and it's not worth it for this position since I'd probably only be staying for a few years if I took it (not to mention that it would ruin my wife's commute). I work for a very large agency, so my current immediate bos...
by stan1
Thu Sep 04, 2014 5:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Offered Promotion, but longer commute
Replies: 37
Views: 2990

Re: Offered Promotion, but longer commute

Disclaimer: I am a federal manager/supervisor so I may have a different perspective than someone who is not. There are downsides to applying for jobs you really aren't interested in. What happens if the manager you turn down is part of the promotion board next summer? In the federal government with ...
by stan1
Wed Sep 03, 2014 12:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Offered Promotion, but longer commute
Replies: 37
Views: 2990

Re: Help Please: Retirement plan vs. Higher Salary

Option 1. In 5 years (if not sooner) you'll regret choosing Option 2.
by stan1
Mon Sep 01, 2014 8:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help Please: Retirement plan vs. Higher Salary
Replies: 35
Views: 3081

Re: US Trusted traveler programs

For domestic travel suggest the TSA Pre-Check known traveler number program. The Global Entry good for re entry to US in avoiding long passport/customs lines. I have been advised that my Global Entry number also works for TSA pre check but did not work in last domestic flight so prefer the TSA know...
by stan1
Sun Aug 31, 2014 6:13 pm
 
Forum: Personal Consumer Issues
Topic: US Trusted traveler programs
Replies: 12
Views: 902

Re: Protfollio Allocation Advice

Does your wife have any retirement accounts, savings, or employment? Best to look at the whole picture for your family. It's great that you are saving and have minimal debt (other than a mortgage) -- but you do need more than 1 month of emergency savings even if you have a very secure job. One expen...
by stan1
Sun Aug 31, 2014 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Protfollio Allocation Advice
Replies: 14
Views: 959

Re: Do you have class?

I haven't talked to someone at a credit card company on the phone in years; I do everything on websites. I find I get the best customer service when I don't have to deal with people. When a credit card cuts its cash back or other benefits I look around to see if there is a better deal; if there is I...
by stan1
Sun Aug 31, 2014 8:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you have class?
Replies: 15
Views: 1607

Re: Move for nicer home in better school district?

Are you really going to send the kids to public schools if you move? I'd guess the odds are pretty good that you will decide that there is something "better" about private schools and keep them there even if you do move. How does your spouse feel about this?
by stan1
Sun Aug 31, 2014 8:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Move for nicer home in better school district?
Replies: 14
Views: 1017

Re: High net worth in CA - what % of bonds in munis?

But fine, don't buy any and I will just get a better YTM when they are sold in a panic by people who don't look past the last newspaper and ignore rising state property tax revenues and declining debt ratios. It wasn't too long ago California was issuing IOUs for personal income tax refunds. Why? S...
by stan1
Sat Aug 30, 2014 12:12 am
 
Forum: Investing - Theory, News & General
Topic: High net worth in CA - what % of bonds in munis?
Replies: 21
Views: 1495

Re: High net worth in CA - what % of bonds in munis?

It's amazing how much faith people have in the CA local government. If you really looked into the issue it would make you pretty nervous. The lack of water, earthquake potential, and government malfeasance makes CA a much riskier investment. Problems exist in other places. They might be a little di...
by stan1
Fri Aug 29, 2014 9:44 pm
 
Forum: Investing - Theory, News & General
Topic: High net worth in CA - what % of bonds in munis?
Replies: 21
Views: 1495

Re: Do you mix inheritance and earned money?

I received approximately $70K from my father's life insurance in 1998. I co-mingled it with my other assets, and since then have bought a house, saved a lot more, paid off the mortgage, bought 2 cars, and gone on a few nice vacations. Having some float in a taxable account gives you lots of choices ...
by stan1
Fri Aug 29, 2014 9:40 pm
 
Forum: Personal Consumer Issues
Topic: Do you mix inheritance and earned money?
Replies: 25
Views: 2235

Re: High net worth in CA - what % of bonds in munis?

I'd be comfortable having up to 15-20% of my net worth in a Vanguard CA municipal bond fund. Maybe 25% if I had to.
by stan1
Fri Aug 29, 2014 3:57 pm
 
Forum: Investing - Theory, News & General
Topic: High net worth in CA - what % of bonds in munis?
Replies: 21
Views: 1495

Re: Trip to the Caribbean - Suggestions

Given your fiance's criteria (beaches) I'm surprised you've eliminated St. John unless you want something more developed for tourism. Since you arrive via ferry from St. Thomas its definitely as easy to get to as your local beach. Most of the island is a national park. There is a wide range of accom...
by stan1
Fri Aug 29, 2014 3:48 pm
 
Forum: Personal Consumer Issues
Topic: Trip to the Caribbean - Suggestions
Replies: 39
Views: 2590
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