Search found 1929 matches

by 123
Thu Apr 27, 2017 12:07 am
Forum: Personal Consumer Issues
Topic: Rare Coin Stories.
Replies: 2
Views: 581

Re: Rare Coin Stories.

Of the coin collectors/hobbyists you know (including yourself) how much of their assets do their coin collections generally compromise (based on realistic resale values for the coins)?
by 123
Wed Apr 26, 2017 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Best strategy for retaining tenants?
Replies: 30
Views: 1854

Re: Best strategy for retaining tenants?

Many standard residential leases automatically revert to month-to-month rental at the end of the initial lease period. Does the lease form you used feature that? With automatic conversion to month-to-month you don't have to do anything, except if you want a longer-term commitment from your tenants. ...
by 123
Wed Apr 26, 2017 3:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: favorite bogleheads posts?
Replies: 99
Views: 17585

Re: favorite bogleheads posts?

Any post by Munchkin Man immediately got my attention for it's style. I always looked forward to his posts. Sadly he has not posted in quite some time.
by 123
Wed Apr 26, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Kaiser Senior Advantage for Medicare
Replies: 44
Views: 4193

Re: Anyone use Kaiser Senior Advantage for Medicare

For 2017 Kaiser Medicare Senior Advantage is free in Southern California and costs $107 monthly in Northern California so it varies depending on your location. Comparing to Calpers generally it appears that co-pays are lower with Calpers for doctor visits and some co-pays aren't there. For example l...
by 123
Wed Apr 26, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Porsche Lease
Replies: 51
Views: 2957

Re: Porsche Lease

Are you near a Hertz airport location that might have such a car available for rent? Maybe you should try renting one for a week or two, sometimes it doesn't take long for that "new car feel" to wear thin and you could come to your senses.
by 123
Wed Apr 26, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Married couple: gift tax - source of funds relevant?
Replies: 17
Views: 980

Re: Married couple: gift tax - source of funds relevant?

Assuming you have a joint checking account with your spouse how about transferring the funds to the joint account and then writing the check from that account. To make it absolutely clear that the gift is from both of you you could each sign the check (even if only one signature is required).
by 123
Tue Apr 25, 2017 9:23 am
Forum: Investing - Help with Personal Investments
Topic: One Fund? Really?
Replies: 38
Views: 4023

Re: One Fund? Really?

If you can find a fund that meets your asset allocation and needs a single fund really works great in retirement accounts. With regard to Vanguard funds many could pick a Target Retirement fund if they find one that is suitable for them and they want an ongoing glide path. For others a LifeStrategy ...
by 123
Tue Apr 25, 2017 12:41 am
Forum: Personal Consumer Issues
Topic: If you are financially independent, how much monywould you bother to make?
Replies: 31
Views: 3442

Re: If you are financially independent, how much monywould you bother to make?

I wouldn't bother with any of those "bonus" offers for new accounts or additional deposits unless it was for over $1,000 and required minimal effort and minimal disruption to our accounts. I doubt I would even do for $1,000+. I place an extraordinary value on having a low profile and minim...
by 123
Mon Apr 24, 2017 11:13 pm
Forum: Personal Consumer Issues
Topic: interesting things to see/do in Victoria and Vancouver, Canada
Replies: 19
Views: 1110

Re: interesting things to see/do in Victoria and Vancouver, Canada

We flew into Vancouver, stayed a few days, and then took a bus/ferry to get to Victoria where we stayed for a few days before taking a buss/ferry back to Vancouver for the flight home. We were able to get by just fine without a rental car for the whole trip. Whether that would work for you depends o...
by 123
Mon Apr 24, 2017 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Are relocation expenses deductible if given lump sum from company?
Replies: 10
Views: 715

Re: Are relocation expenses deductible if given lump sum from company?

Just a passing thought. In some cases comparatively large one-time payments from an employer, typically moving expenses, but I guess there could be other kinds, can cause you to become an HCE (Highly Compensated Employee) for the purposes of the company's 401K plan. My spouse received a similar paym...
by 123
Mon Apr 24, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Somebody hit my car in a parking lot
Replies: 21
Views: 2674

Re: Somebody hit my car in a parking lot

If it were my car I would just pay out-of-pocket and not involve insurance (body shop rates can be quite different for insurance claims versus cash claims) for less then $1,500. While I'm not familiar with lease vehicle terms I would review your lease and see what it says about damage/repair. There ...
by 123
Sun Apr 23, 2017 11:52 pm
Forum: Personal Consumer Issues
Topic: Dimmer Switch
Replies: 9
Views: 828

Re: Dimmer Switch

The dimmer switch may be fine. If there is another load on the circuit it could be the problem. When my printer runs it makes dimmer lights go into disco mode during parts of the print cycle.
by 123
Thu Apr 20, 2017 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Can Power of Attorney override POD designations?
Replies: 12
Views: 1431

Re: Can Power of Attorney override POD designations?

I would bet that there is a lot of variation among brokerage and bank online systems in terms of what they can enforce with regard to provisions of a POA. If the individual with the POA is able to get online access to your accounts there may be no assurance that their actions are limited in accordan...
by 123
Wed Apr 19, 2017 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Armageddon Insurance - how to spend $100k
Replies: 29
Views: 2502

Re: Financial Armageddon Insurance - how to spend $100k

The most effective measures to take in your situation may be to relocate soon to a rural area where you can have animals (cows, chickens, pigs) on your property as well as sufficient acreage for them to graze and for you to raise necessary household crops. Such a move might necessitate some changes ...
by 123
Wed Apr 19, 2017 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Dissolving Ric-E Trust
Replies: 41
Views: 4094

Re: Dissolving Ric-E Trust

I'd be tempted to picket outside one of the hotels as people arrive for one of his people's seminars (listed on the website). While picketing seems low class there are few things that can be as effective in dealing with financial advisers who are trying to get the trust of their seminar audience. Th...
by 123
Tue Apr 18, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 7776

Re: Mens Blue Jeans - What are we buying now?!

I'm one of those guys that grew up in Levi's 501's. Eventually I got tired of the button-fly and switched to Levi's 505s years ago. When I bought a new pair last year I found the fabric on the ones I got from Costco was much thinner. I then got a pair from Amazon and they had sturdy fabric like the ...
by 123
Mon Apr 17, 2017 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: "Vanguard's free RMD Service: Sign up before you turn 70½"
Replies: 23
Views: 2515

Re: "Vanguard's free RMD Service: Sign up before you turn 70½"

My spouse has an inherited IRA using Vanguard's free RMD service. It works well. Plenty of notifications to let you know how the process will work each year.
by 123
Mon Apr 17, 2017 6:03 pm
Forum: Personal Consumer Issues
Topic: Best cruise
Replies: 50
Views: 3717

Re: Best cruise

Five year planning horizon for a cruise? If price is important to you the Caribbean Cruises in the summer are often much less expensive then those in the winter. If you book a cruise too early you pay a higher price as often prices decline as you approach sailing date but this varies by line. You've...
by 123
Thu Apr 13, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: Resurfacing Garage Floor
Replies: 11
Views: 1399

Re: Resurfacing Garage Floor

How old is the existing garage floor (likely same age as house)? Depending on when the existing floor was poured it may not be as thick as you expect and if it has cracks that may indicate poor soil preparation underneath. What that might suggest is that just pouring more concrete on top may lead to...
by 123
Wed Apr 12, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: leaving early from work
Replies: 57
Views: 7268

Re: leaving early from work

Sometimes 1 parent has to sacrifice some career goals for the sake of the family. It's very unlikely that both parents can be full-bore career driven if there are kids, someone's first job has to be family.
by 123
Wed Apr 12, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Legality of renters posting reviews of a condominium complex?
Replies: 82
Views: 3490

Re: Legality of renters posting reviews of a condominium complex?

The issue is they are not owners, just renters. A condominium serves it's owners , not renters. So I am confused whether renters are allowed to review a complex that they have no ownership interest . Any business is open for public review and comment. Hotels rent rooms and are reviewed. There are a...
by 123
Wed Apr 12, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: Car Breaks Down on Long Road Trip
Replies: 55
Views: 4484

Re: Car Breaks Down on Long Road Trip

One of my friends had a transmission failure on a new Toyota while he was on a similar family vacation trip. Due to warranty coverage he had it towed to the nearest dealer. He proceeded on his trip with a rental car, I don't recall if he got it from the servicing dealer or a nearby rental agency. A ...
by 123
Sun Apr 09, 2017 10:53 pm
Forum: Personal Consumer Issues
Topic: Backyard shed, wood or plastic?
Replies: 31
Views: 2655

Re: Backyard shed, wood or "plastic"?

You might need to consider your climate and the installation location for the shed. In Arizona or Southern California the intense summer sun can cause some plastics left outdoors to get brittle after a few years.
by 123
Sun Apr 09, 2017 5:13 pm
Forum: Personal Consumer Issues
Topic: Planning Scandinavia trip
Replies: 18
Views: 1220

Re: Planning Scandinavia trip

Eliminate Copenhagen - it's not worth the extra time and effort to get there given your short trip. I'd look into "open jaw" airfare options. Fly into one city and return from another. It can open up more options for ground travel scheduling and can save you a day or more instead of "...
by 123
Sun Apr 09, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Planning Scandinavia trip
Replies: 18
Views: 1220

Re: Planning Scandinavia trip

If would want to add Finland to your trip it's really great to take an overnight ferry from Stockholm to Helsinki, spend the day in Helsinki, and take the overnight ferry back to Stockholm. When I was there some years back the ferry was a better deal (with a shared cabin) then a hotel for the overni...
by 123
Sun Apr 09, 2017 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Passive (3-fund) with an Active (Wellington) component
Replies: 3
Views: 460

Re: Passive (3-fund) with an Active (Wellington) component

It sounds like a safe way to add a little spice to your portfolio.
by 123
Sun Apr 09, 2017 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Require Access to School Records?
Replies: 100
Views: 4083

Re: Require Access to School Records?

We have never asked our student child about his college grades. We have discussed his classes in a general way. What he does with his college experience is his business, he's an adult, it's literally his future to control for himself. For college the motivation has to come from within, otherwise it'...
by 123
Sat Apr 08, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Returning to the workforce after an extended break - how did you do it?
Replies: 10
Views: 1243

Re: Returning to the workforce after an extended break - how did you do it?

dm200 wrote:I would speculate (others may have opinions) that this break in employment history is more likely to work against you in the private sector than in the government and education sector. I would, therefore, keep government and education sectors in mind when getting back to the workforce.

+1
by 123
Fri Apr 07, 2017 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Loan to family member interest/tax question
Replies: 9
Views: 659

Re: Loan to family member interest/tax question

Just curious why you just didn't buy the house and let them just live in it (maybe even gifting $56K in equity to them yearly)? I would think the way it is now the imputed interest is taxable to you, whereas if you just bought the house it wouldn't be.
by 123
Fri Apr 07, 2017 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Help for my nephew
Replies: 9
Views: 1036

Re: Help for my nephew

If he expects to remain in the service I would suggest 100% in Vanguard Total Stock Market Index Mutual Fund. If he expect to be out of the service within the next 2 or 3 years I would do 50% Vanguard Total Stock Market Index Mutual Fund and the other 50% in a CD yielding 1% or more. The theory bein...
by 123
Fri Apr 07, 2017 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Mortgage Prepayment to Extinguish PMI
Replies: 12
Views: 1045

Re: Lump Sum Mortgage Prepayment to Extinguish PMI

Have you contacted a mortgage broker or bank to see if you would be better off with a refinance to a lower rate (if applicable in your area) or could you handle payments on a 15-year mortgage (lower rate)? PMI could go away as part of the deal if you qualify. Edited to add: Of maybe the insurance cl...
by 123
Fri Apr 07, 2017 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding shafting my local merchants with card fees
Replies: 42
Views: 4069

Re: Avoiding shafting my local merchants with card fees

Banks do not process checks deposited by merchants for free. Generally, merchants are a "cash cow" for bank fees.
by 123
Thu Apr 06, 2017 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Sold Fund by Mistake in Taxable Account
Replies: 7
Views: 838

Re: Sold Fund by Mistake in Taxable Account

The sale would still need to be reported on the tax return to reconcile tax reporting by the broker involved.
by 123
Wed Apr 05, 2017 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: UK Inheritance
Replies: 10
Views: 609

Re: UK Inheritance

If you have money in the UK it counts as a foreign account and you identify it on your annual tax return. I don't think that by itself is a big deal. I would transfer it to the US as quickly as possible and be done with it and live your life. Relative currency values move up and down all the time. T...
by 123
Wed Apr 05, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: How best to handle disrespectful employee?
Replies: 40
Views: 3547

Re: How best to handle disrespectful employee?

Redefine his responsibilities to include a certain percentage of client management responsibilities as part of the performance improvement plan. This lets him see the other component of business operations and will obviously reduce his sales (and compensation) while he is under the improvement plan.
by 123
Wed Apr 05, 2017 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer from actively managed investment
Replies: 9
Views: 700

Re: Transfer from actively managed investment

If you wait to apply the long-term capital gain rules a change in the market climate could turn your gains into losses. Trading fees vary by brokerage. In some cases investors pay an AUM fee and don't pay commissions on trades, some places could nail you with both. What is the trading fee structure ...
by 123
Wed Apr 05, 2017 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Thrivent Financial for Lutherans?
Replies: 48
Views: 27654

Re: Thrivent Financial for Lutherans?

A $16,000 SURRENDER FEE seems high but it all depends on the value of the account. What is the total amount of assets that the $16,000 SURRENDER FEE applies to? Normally the rate of any surrender fee is disclosed in the documents when an investment is purchased, but some people don't read them. If a...
by 123
Wed Apr 05, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: What to do with wine cellar and hardware
Replies: 7
Views: 527

Re: What to do with wine cellar and hardware

Do you really need to re-purpose the space? Maybe it's a small business opportunity to store wine for others (personal/commercial). What percentage of the whole house is the wine cellar? Keeping the wine cellar may be an advantage in selling down the road.
by 123
Tue Apr 04, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Where can I get fair advice?
Replies: 12
Views: 1219

Re: Where can I get fair advice?

If you anonymously post your situation here you will get fair advice that is open to review, criticism, and comment by other Bogleheads. The guidelines for posting are at https://www.bogleheads.org/forum/viewtopic.php?t=6212 When you post in the requested format we can address many issues, some of w...
by 123
Tue Apr 04, 2017 11:17 am
Forum: Investing - Theory, News & General
Topic: Foolish question about VT [Vanguard Total World Stock]
Replies: 10
Views: 931

Re: Foolish question about VT [Vanguard Total World Stock]

And another answer is that VT (Vanguard Total World Stock) is NOT a "fund of funds". If it were a "fund of funds" you could do the math on the relative weights of the individual funds and the dividends or returns and come up with a consolidated number (like you can do for the Lif...
by 123
Mon Apr 03, 2017 9:30 am
Forum: Investing - Theory, News & General
Topic: 100% stocks in ROTH?
Replies: 27
Views: 1636

Re: 100% stocks in ROTH?

I agree with your thinking and I have always used 100% stocks (VTI) in my Roth. To me it would be a waste of tax-free space to put fixed income in my Roth. I have always felt that I get the most "bang for the buck" by keeping 100% stocks in my Roth. I wish all my IRA assets were in Roths b...
by 123
Sun Apr 02, 2017 10:44 pm
Forum: Personal Consumer Issues
Topic: World Cruises
Replies: 7
Views: 916

Re: World Cruises

Have you been on other cruises before? Before I'd go on a 4 week or longer cruise I would try at least 1 for a week or longer to get an idea of the cruise experience and see how it suits you. After you have gone on one cruise you have a much better idea of how to evaluate cruises offered by differen...
by 123
Sun Apr 02, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: What career helped you become wealthy?
Replies: 75
Views: 8553

Re: What career helped you become wealthy?

It's all in the lifestyle your choose and how you handle financial matters. We have many relatives age 70+ with (non-house) assets over a million who didn't even finish high school and just had "jobs", not something that could be considered planned and coordinated like a career.
by 123
Thu Mar 23, 2017 11:08 pm
Forum: Investing - Theory, News & General
Topic: Certificate of accrual! How do I get it?
Replies: 2
Views: 489

Re: Certificate of accrual! How do I get it?

Perhaps if you could post a photo/image of the certificate (block out any personal details it may contain) it may spark someone's investigative interests.
by 123
Thu Mar 23, 2017 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Administration of relative's estate
Replies: 36
Views: 2675

Re: Administration of relative's estate

Regarding the disposition of the condo I'm sure the bank has a time-tested approach. After months of non-payment, or a clue that the mortgage-holder was deceased, the bank could have started a formal foreclosure effort. Without any objection that would be done quickly. After foreclosing on the prope...
by 123
Thu Mar 23, 2017 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: brother managing mother's investments?
Replies: 7
Views: 1181

Re: brother managing mother's investments?

What is your mother's preferred AA? What does she say when she's asked how much she is willing to lose? If she's alone and in her mid-80's I would bet that she's not willing to lose anything and is very risk adverse. I wouldn't be surprised if the most appropriate investments for her, avoiding all r...
by 123
Wed Mar 22, 2017 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal benefit for 65 year old divorcee
Replies: 11
Views: 1047

Re: Spousal benefit for 65 year old divorcee

Wouldn't it be interesting if it turns out that both you and your ex-spouse could file for for divorced spouse benefits on each others record and each leave your own retirement benefits until later. I wonder if that occurs very often since each divorced spouse must be unmarried to qualify.
by 123
Wed Mar 22, 2017 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Administration of relative's estate
Replies: 36
Views: 2675

Re: Administration of relative's estate

Try reaching out to the person that made the funeral arrangements. You can probably get their name from the funeral home. Presuming there was an obituary or death notice published.
by 123
Wed Mar 22, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Alternative SSA Claiming Strategy--question for the group
Replies: 10
Views: 783

Re: Alternative SSA Claiming Strategy--question for the group

There is no simple SSA claiming strategy. If the worker files for benefits before full retirement age (FRA) a benefit reduction will apply for months prior to FRA. The year following the year the worker attains FRA does a benefit adjustment will be done that applies an adjustment of the reduction fa...

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