Search found 71 matches

Return to advanced search

Re: 2 days in Portland, suggestions?

One more thing: If you like ice cream and can tolerate lines, Salt and Straw is a must. Multiple locations.
by willardx
Wed Jul 23, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: 2 days in Portland, suggestions?
Replies: 34
Views: 1752

Re: 2 days in Portland, suggestions?

For the cycling, if you're staying at a hotel, they may have some good routes for you, otherwise check out the Portland Wheelmen Touring Club site (pwtc.com) and look at their calendar of rides. There are other clubs (I belong to Portland Velo, at portlandvelo.net, which also has rides) but Wheelmen...
by willardx
Wed Jul 23, 2014 9:03 pm
 
Forum: Personal Consumer Issues
Topic: 2 days in Portland, suggestions?
Replies: 34
Views: 1752

Re: The Funniest Movie Ever

I don't think I saw anyone mention one of my favorites: Raising Arizona.

On my to-watch list: It's a Mad, Mad, Mad World.
by willardx
Fri Jan 03, 2014 12:26 pm
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 227
Views: 15671

Re: Have Index Funds Become Too Popular?

Two things: 1. I find it interesting (and perhaps redeeming) that Henry Blodget makes such a strong case for indexing, given his past as a stock-picker analyst who went down in flames. 2. The segment ends abruptly with the three still very animatedly talking and disagreeing with each other, and with...
by willardx
Fri Dec 13, 2013 12:58 pm
 
Forum: Investing - Theory, News & General
Topic: Have Index Funds Become Too Popular?
Replies: 35
Views: 3883

Re: Portland, Oregon Meeting?

will98683 wrote:Are these pretty much always held on Tuesdays? I am in Vancouver, WA and would love to attend one, but Tuesdays are the worst for me.


It is my understanding that the meetings are the 2nd Tuesday of the last month of each quarter. I plan to attend next week's meeting, should be a good one.
by willardx
Wed Dec 04, 2013 6:51 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 81
Views: 17699

Re: becoming a landlord? your thoughts, please

I am reading this string and your earlier post about buying your current house with interest. So you are planning to move into a 3 bedroom house for several years (until your youngest finishes 8th grade (or longer if they extend the immersion program to high school?)), when 5 bedrooms (and I presume...
by willardx
Wed Jul 10, 2013 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: becoming a landlord? your thoughts, please
Replies: 31
Views: 3355

Re: Bogleheads Without Avatars

Done!
by willardx
Thu Jun 27, 2013 4:17 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads Without Avatars
Replies: 197
Views: 15121

Re: Portland, Oregon Meeting?

Thanks Alisa4804, I will try again but I am having problems using the PM feature.

See you there!
by willardx
Tue Jun 04, 2013 1:06 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 81
Views: 17699

Re: Portland, Oregon Meeting? June 11, 2013?

I've been trying to attend one of these meetings for a while now, and I just checked my PM folder and saw my old message to Bruce still sitting in the Outbox. Anyway, I'm bumping this topic up because if I read correctly, the next quarterly meeting is June 11, as the second Tuesday of the last month...
by willardx
Mon Jun 03, 2013 9:11 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 81
Views: 17699

Re: buy rental property or pay off debt?

$16k on $400,000 isn't a good return, and when you say $16k Net, what is that? He said $16k per house, or $32k for $400K, or 8% ROI. But I agree, what is net, net depreciation? As others have asked, your total financial picture is needed plus the other variables to know if it's a good move or not. ...
by willardx
Thu May 09, 2013 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: buy rental property or pay off debt?
Replies: 12
Views: 959

Re: How many investments do you own? (clarification below)

13 (I think), not including duplicates across different accounts. But I'm working on it. :oops:
by willardx
Thu May 02, 2013 10:35 am
 
Forum: Investing - Theory, News & General
Topic: How many investments do you own? (clarification below)
Replies: 64
Views: 3143

Re: Any Reason Not to Invest in a 529?

We converted our kids' UTMA accounts to 529 UGMA accounts, managed by VG's Utah plan. We were tired of paying taxes for our kids when all we were doing was saving for their college expenses. We will take a big tax hit this year for the liquidation, only wish we had done it sooner to avoid all the ac...
by willardx
Sun Apr 21, 2013 8:51 am
 
Forum: Investing - Theory, News & General
Topic: Any Reason Not to Invest in a 529?
Replies: 53
Views: 2590

Re: Can a minor make gifts?

What our accountant did when the kids taxes were too high is to no longer have us claim them. We weren't getting that much benefit from them (tax wise, that is :D ), and they can earn the first $10k tax free. Did you convert UGMA to UGMA 529 in Vanguard? I didn't think they had that option. It look...
by willardx
Tue Apr 16, 2013 10:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can a minor make gifts?
Replies: 7
Views: 904

Re: Poll: How many $100 dinners out per year?

With just our family of 3 kids under 12, we normally don't reach the $100 mark, but if my wife and I go out on a date dinner, we might hit that number a couple times per year. We live in a foodie town and we like splurging on a nice experience. But in recent memory, our best meal was during Portland...
by willardx
Tue Apr 16, 2013 12:05 am
 
Forum: Personal Consumer Issues
Topic: Poll: How many $100 dinners out per year?
Replies: 152
Views: 9888

Re: Flagship representative swap outs?

For a few years we had an assigned rep and we could never reach him. It got to the point where my wife and joked that he was not real. We finally did talk on the phone, and it was so he could let us know we were getting a new rep. That was about 2 years ago and we've come to work pretty closely with...
by willardx
Mon Apr 15, 2013 11:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Flagship representative swap outs?
Replies: 8
Views: 841

Can a minor make gifts?

It's tax time, and our CPA told us our kids will have sizable tax bills because they received a lot of dividends and capital gains from their investments. We converted their UTMA accounts into UGMA 529 accounts, so I think we are okay in paying for their college costs, otherwise I would have directe...
by willardx
Sat Apr 13, 2013 9:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can a minor make gifts?
Replies: 7
Views: 904

Re: $100k available - to buy 2nd house or not

What would you do with the house when you are not there? Can your son use it or rent it out? If not, can he at least keep an eye on it and make sure it's in good shape? (If you already addressed these issues, sorry for the repeat.) To me, not using a house for ~8 months per year seems like a waste. ...
by willardx
Fri Apr 12, 2013 5:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: $100k available - to buy 2nd house or not
Replies: 15
Views: 1146

Re: How important is a good school district?

We moved to our current house about 5 years ago, schools being probably the major reason why (from across town where we were in a great school district too, but not as great and not nearly as small as our current school district). Imagine our surprise when our oldest child goes to 1st grade and gets...
by willardx
Fri Apr 12, 2013 5:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: How important is a good school district?
Replies: 65
Views: 3200

Re: Inheriting money, don't want to [mess] anything up

As a Portland area resident, I would not say that the real estate market is low. It's a bit of a feeding frenzy now with inventory so low, it's like we're back in 2005-2007. So I would proceed with caution and not get caught in a bidding war especially, as others have pointed out, if you don't plan ...
by willardx
Fri Apr 12, 2013 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inheriting money, don't want to [mess] anything up
Replies: 48
Views: 5877

Re: Oahu

Ko Olina used to be a safe, calm way to snorkel if you have young kids but I heard Marriott/Disney recently closed off the lagoons to the public. I'd check because we made that a regular stop as well. Ko'olina is still open to the public. Per Hawaii State Law, all beaches are public, and there is a...
by willardx
Thu Apr 11, 2013 10:57 am
 
Forum: Personal Consumer Issues
Topic: [Visiting] Oahu
Replies: 32
Views: 3115

Re: One night hotel stay in D.C.

We were just in DC for spring break (we were told the cherry blossoms would be blooming then but a cold snap (with snow!) came in on the Monday of our week's stay). It sounds like you don't have children like we do, but maybe my comments may be useful to you: 1. If you wanted a tour of the Capitol, ...
by willardx
Thu Apr 11, 2013 9:59 am
 
Forum: Personal Consumer Issues
Topic: One night hotel stay in D.C.
Replies: 42
Views: 3017

Re: Can the average investor make money in real estate?

I am a landlord and encourage friends looking for alternative investments to consider it. Yes, it's extra work, but I have experienced the adage that most of the work is in choosing the right tenant. Setting aside the financial aspects, if you do your homework and use the right forms for screening a...
by willardx
Wed Apr 10, 2013 11:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Can the average investor make money in real estate?
Replies: 50
Views: 5092

Re: Oahu

I very much enjoyed the tour of Iolani Palace. The Hawaiian history was fascinating. Our tour guide was an older Hawaiian woman - she said she was 78 (I think) but she was awfully spry for that age. +1 on touring the palace, it's very approachable and interesting history. It doesn't take a long tim...
by willardx
Tue Apr 09, 2013 6:14 pm
 
Forum: Personal Consumer Issues
Topic: [Visiting] Oahu
Replies: 32
Views: 3115

Re: Oahu

For something different, try Leonard's for malasadas, a type of doughnut that comes unfilled or filled with different creams, and we get them every time we go. The shrimp trucks are good, very downscale. And if you want to see a lot of sea turtles, go to Turtle Beach (not Turtle Bay), it's a short d...
by willardx
Tue Apr 09, 2013 6:13 pm
 
Forum: Personal Consumer Issues
Topic: [Visiting] Oahu
Replies: 32
Views: 3115

Re: Vanguard Free Book? Legit?

Scooter57 wrote:I got the "you have already downloaded" message. I used the Wiley page chat link to contact customer service and she sent me a different link that worked.


+1, very quickly got a correct link and downloaded right away.
by willardx
Tue Apr 09, 2013 6:03 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Free Book? Legit?
Replies: 20
Views: 3029

Re: Receiving poor service from a professional

I just "fired" a Realtor because he refused to write an offer on a property I liked, saying that my bid would be too low. I fumed about it overnight and the next morning, called someone else to write the offer for me. I'm now in a counter-offer with the seller as they liked my offer the b...
by willardx
Wed Apr 03, 2013 10:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Receiving poor service from a professional
Replies: 25
Views: 1821

Re: Tenant wants to purchase property and pay me mortgage- H

If you want to sell and don't like the idea of signing title over to the tenant at time of sale, you could do a land sale contract where you hold title to the property until the tenant (buyer) pays off the mortgage completely. In the event of default, you still have to take some steps to reclaim you...
by willardx
Wed Apr 03, 2013 10:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tenant wants to purchase property and pay me mortgage- HELP!
Replies: 12
Views: 1484

Re: My Review of Vanguard's Financial Plan

I'm a little late in following up, but we had a phone call with the CFP, no questionnaire to fill out before, he wanted to know what we had in mind, then we filled out the questionnaire. I admit only I filled out the Q and now I let slide getting input from the spouse to submit it to the CFP for his...
by willardx
Wed Apr 03, 2013 10:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: My Review of Vanguard's Financial Plan
Replies: 55
Views: 7138

Re: Do you discuss your estate with your future heirs?

As someone who recently (through my wife) inherited a large amount of money plus a large number of headaches in doing last-minute planning and then 2+ years of administration, with the last-minute planning occurring while my father-in-law was ill with terminal cancer, I recommend talking about this ...
by willardx
Wed Apr 03, 2013 7:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you discuss your estate with your future heirs?
Replies: 38
Views: 2753

Re: Woud you rather buy a two story house or a one story?

We are remodeling our house (2 story with daylight basement) to have a master suite on the main floor and upstairs (and an office/bedroom in basement with full bath) to accommodate my parents (now in their 70's) and ourselves, both now and in the future. With three kids ages 9 to 11 to boot, we want...
by willardx
Sun Mar 03, 2013 11:52 pm
 
Forum: Personal Consumer Issues
Topic: [Should we] buy a two story house or a one story?
Replies: 43
Views: 3437

Re: Out of state notary services

In Oregon (don't know Hawaii law), a 'small estate affidavit' means the decedent died with a small enough estate that a full blown probate is not required. Was your mother's estate probated or otherwise cleared through the state? You should talk to the insurance company regardless and see what they ...
by willardx
Thu Feb 21, 2013 11:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Out of state notary services
Replies: 9
Views: 662

Re: Would you trust Oregon 529 Plan longterm?

I was going to post a new thread about this topic in part, so I'd like to know what people here thought of the Oregon plan now. I started accounts for my kids when it was with Strong and went through the turmoil (tuned out and didn't realize until today that TIAA-CREF now manages it!). Now I'm tryin...
by willardx
Thu Feb 21, 2013 11:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would you trust Oregon 529 Plan longterm?
Replies: 15
Views: 1934

Re: Purchase of Multi-family home

I own single family homes as rentals, and I've been drawn to the higher cap rates for multi-unit buildings (APTS). I don't do it because I am content to take a lower cap rate (closer to 6%) with the trade off benefit that I don't work very hard on my rentals. Once I find good renters, they stay for ...
by willardx
Tue Feb 19, 2013 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Purchase of Multi-family home
Replies: 22
Views: 1507

Re: Your feedback re: Alaska cruise

Our family took a Princess cruise to Alaska this past summer, it was my first cruise, and overall it was enjoyable. We took the route that went to Glacier Bay National Park, and that scenery was quite spectacular and probably worth getting an oceanside room (my parents got that one, we got a much ch...
by willardx
Sun Feb 17, 2013 11:30 pm
 
Forum: Personal Consumer Issues
Topic: Your feedback re: Alaska cruise
Replies: 22
Views: 1939

Re: Just how "vulnerable" are our assets? (Will/trust)

I just want to point out that creating and funding trusts does not automatically mean you lower your inheritance taxes. Unless you stop owning or controlling the funds in that trust (irrevocable trust), it will still count toward determining your tax bill. I usually promote the privacy and speed of ...
by willardx
Thu Feb 14, 2013 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Just how "vulnerable" are our assets? (Will/trust)
Replies: 22
Views: 2000

Re: Sienna 2013 AWD. MSRP $33,700.

When our 2001 Honda Odyssey finally bites the dust, I was considering this car also. We rarely need AWD or 4WD, we go to the mountains once or twice a year. We do, however, have 3 kids and haul around a lot of gear, so the low clearance helps most of the time. I did not know about the absence of a s...
by willardx
Wed Feb 13, 2013 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Sienna 2013 AWD. MSRP $33,700.
Replies: 22
Views: 2871

Re: Green / Energy-saving home. New build or Reno experience

It's great for me to read about this as we are in the planning stage of remodeling our house. We looked for a house that fit our 'needs' list but gave up (not entirely, I keep peeking at what comes on the market). We are doing a major remodeling, basically just keeping the footprint of a 3-storey ho...
by willardx
Wed Feb 13, 2013 1:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Green / Energy-saving home. New build or Reno experience?
Replies: 48
Views: 2452

Re: Peeking at investments...how often?

I check daily now, especially with the market going up and our overall balance hit a nice, round number. I don't think I tinker too much, my last move was to stop reinvesting dividends back into high ER funds and pushing them into low ER ones or money market funds.
by willardx
Sat Feb 09, 2013 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Peeking at investments...how often?
Replies: 59
Views: 3375

Re: transmission failure: 2003 honda odysee with 172k miles

I have a 2001 Odyssey that I love, it has about 125K miles on it, and I am taking in it to my trusted mechanic just to make sure things are running right. The transmission has acted finicky for quite a while, but I kind of know how to baby it. A previous poster mentioned cars he likes and keeps long...
by willardx
Tue Feb 05, 2013 11:48 am
 
Forum: Personal Finance (Not Investing)
Topic: transmission failure: 2003 honda odysee with 172k miles
Replies: 36
Views: 2949

Re: Mortgage Default and Bankruptcy Advice

You could try getting a free or low-cost consultation from an Indiana attorney: http://www.in.gov/judiciary/probono/2333.htm http://www.indianalegalservices.org/ In Oregon the state bar offers a service of a $35 flat fee for an initial consultation with an attorney in the field you request, so maybe...
by willardx
Mon Feb 04, 2013 1:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Default and Bankruptcy Advice
Replies: 4
Views: 479

Re: My Review of Vanguard's Financial Plan

We have a telephone consultation scheduled for next month with a Vanguard CFP who works with our rep after I read about what benefits our account had. I had previously been looking at paying a local fee-only CFP a flat fee of between $2,500-4,000 for what I hope is similar work. I have a raft of que...
by willardx
Thu Jan 31, 2013 11:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: My Review of Vanguard's Financial Plan
Replies: 55
Views: 7138

Re: Bogleheads style portfolio for a Trust?

Answering only one part of your question, but which goes to the heart of your concern. There is a very easy way to avoid tax on the income earned in a trust - pay it out to a beneficiary. Income earned by the trust is only taxed in the trust when it is accumulated. Can you explain this better? What...
by willardx
Wed Jan 30, 2013 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Bogleheads style portfolio for a Trust?
Replies: 17
Views: 1102

Re: Portland, Oregon Meeting?

Darn, I will be out of town for the March meeting.

I did send Ron a PM and also an email and have not heard back, so I didn't know if the chapter was still active. Sounds like it is.

Thanks alisa4804 for the info, hope to make it to the next meeting. :beer
by willardx
Sat Jan 26, 2013 11:29 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 81
Views: 17699

Re: Portland, Oregon Meeting?

It seems there is an active Portland chapter, can someone please contact me to let me know when and where the next meeting will be? Thanks.
by willardx
Sat Jan 26, 2013 1:24 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 81
Views: 17699

Re: Vanguard calculated RMD

Thanks so much, Alan, I appreciate your clear comments and responses. She was a named beneficiary, so I think going forward we'll be able to reduce her RMDs by a significant amount, which is a nice planning option to have.

Thanks again!
by willardx
Thu Jan 24, 2013 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard calculated RMD
Replies: 10
Views: 1282

Re: Vanguard calculated RMD

How can a CPA avoid these calculations? Isn't this the kind of thing that is supposed to be bread and butter for that profession? My CPA friend said there are not enough situations (for his firm, anyway) where a beneficiary does not cash out completely the owner's IRA account(s). I told him he coul...
by willardx
Thu Jan 24, 2013 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard calculated RMD
Replies: 10
Views: 1282

Re: Vanguard calculated RMD

Interesting that it can be that complex. Alan, is it correct to assume than an investment company has no fiduciary responsibility to advise correctly regarding RMD, or even to compute a correct number, as a paid tax accountant would? After all, they have no way to be sure they know all the IRA asse...
by willardx
Wed Jan 23, 2013 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard calculated RMD
Replies: 10
Views: 1282

Re: Mother-In-Law Suite/Apartment

I just attended a class on how to build (as more of a general contractor, not the nuts and bolts) an ADU (accessory dwelling unit) in Portland, Oregon. The primary point is what your local city/county requires or limits is very important (my own situation of being in a different adjacent city/county...
by willardx
Mon Jan 14, 2013 12:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mother-In-Law Suite/Apartment
Replies: 20
Views: 8255

Re: Legal advice for rental

Ditto on the statute of limitations concern, you should find out the limits for both contract and tort actions, try to contact a local attorney from the city/county where your house was located. (Some actions have very short statutes, like landlord-tenant or consumer fraud in my home state of Oregon...
by willardx
Mon Dec 10, 2012 6:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Legal advice for rental
Replies: 6
Views: 523

Re: What kind of car are you driving?

2001 Honda Odyssey, ~129,000 miles. Bought used in 2003 with ~45,000 miles when we found out my wife was expecting twins (sold 2001 Subaru Outback we bought new for the first baby, figuring we'd have 1 more child....) 2010 Toyota Prius, ~20,000 miles. Bought used this year with low miles, wanted a P...
by willardx
Wed Nov 28, 2012 2:39 am
 
Forum: Personal Consumer Issues
Topic: What kind of car are you driving?
Replies: 278
Views: 21662
Next

Return to advanced search