Search found 62 matches

by BerkeleyChris
Sun Jul 01, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: New car dealerships offering (included) lifetime warranties?
Replies: 13
Views: 1593

Re: New car dealerships offering (included) lifetime warranties?

The ones I've seen are for the first owner only and require the owner to continuously use that particular dealer for maintenance. I've wondered about these and am guessing that for all the cars they sell with this kind of lifetime dealer warranty, they are banking on people in the aggregate on makin...
by BerkeleyChris
Tue Apr 24, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: deposit IRS refund in estate or beneficiary account?
Replies: 4
Views: 419

deposit IRS refund in estate or beneficiary account?

I am the executor and only beneficiary for the estate of a parent who passed away in 2017. I filed the final federal tax return successfully, and just received the refund check, which has the following format: "Pay to the order of: <MY NAME> <DECEDENT'S NAME> DECD <ADDRESS>" My question is this: am ...
by BerkeleyChris
Sun Apr 22, 2018 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Rental Property - Keep or Sell?
Replies: 4
Views: 584

Re: Rental Property - Keep or Sell?

If you have lived in it for 2 years at some point within the past 5 years before renting it out, you may want to consult with your accountant about the tax implications of possibly being able to exclude $250k (single) /$500k (joint) in gains now, but losing that option if you hold onto it and sell l...
by BerkeleyChris
Sun Feb 04, 2018 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Why do many bogleheads feel they can time the housing market but can't time the stock market?
Replies: 63
Views: 5473

Re: Why do many bogleheads feel they can time the housing market but can't time the stock market?

houses are not just investments, and they provide both commodity (basic shelter) and luxury. Some people might try to "time the market" for real estate in their local community if they are selling a home that meets their needs in order to purchase a home that is essentially a luxury upgrade. In a do...
by BerkeleyChris
Sat Feb 03, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Import TIAA 1099s into turbo tax
Replies: 2
Views: 324

Import TIAA 1099s into turbo tax

Hi, Bogleheads, I have successfully imported 1099s from several institutions into Turbo Tax (CD version, mac, premier, tax year 2017). Now I'm trying to get Turbo Tax to work with TIAA brokerage. Until January 31 it gave an error message saying I had to wait until Jan 31. Now when TT connects to TIA...
by BerkeleyChris
Sat Jan 20, 2018 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Online vs CD/download
Replies: 11
Views: 1791

Re: Turbotax Online vs CD/download

I have filed with both, starting with CD quite a long time ago then moving to online version of TT for a few years. Online worked very nicely for me several years in a row--but then one year I started a return with the online version and had a tax situation that required a less commonly used form th...
by BerkeleyChris
Thu Dec 21, 2017 10:37 pm
Forum: Personal Consumer Issues
Topic: Electric Energy Usage
Replies: 86
Views: 6355

Re: Electric Energy Usage

Here is my monthly energy use and actual bills for 2017. 1 person in 1200 square feet 2017-01-18 205 kWh $25.48 2017-02-16 157 kWh $19.84 2017-03-20 213 kWh $29.43 2017-04-19 164 kWh $23.82 2017-05-18 130 kWh $18.87 2017-06-19 186 kWh $26.99 2017-07-19 205 kWh $29.75 2017-08-18 181 kWh $26.25 2017-0...
by BerkeleyChris
Sat Oct 07, 2017 8:31 pm
Forum: Personal Consumer Issues
Topic: Does my Honda CRV need servicing?
Replies: 11
Views: 1268

Re: Does my Honda CRV need servicing?

My car has around 85,000 miles on it and, so far, only the oil change code has appeared. Hi, Dodgy, Are you saying that for the past 85k miles and since the car was brand new, you've only had the A1 service code come up? If that is the case, something is wrong. Maintenance minder should have cycled...
by BerkeleyChris
Fri May 26, 2017 6:21 pm
Forum: Personal Consumer Issues
Topic: Cheap gym shirts w/ certain materials
Replies: 25
Views: 3836

Re: Cheap gym shirts w/ certain materials

I use Next Level model 6010 shirts six days a week at crossfit... they are very durable, comfortable to work out in, and super inexpensive:

https://www.amazon.com/Next-Level-6010- ... 014NDA8EM/
by BerkeleyChris
Sat Feb 11, 2017 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: help with inherited 403b and IRA
Replies: 1
Views: 433

help with inherited 403b and IRA

I am the sole beneficiary/inheritor of a 403b and traditional IRA from a parent who just began taking the required minimum distributions. The accounts are with a company that I would be happy leaving them with and there are Bogleheadish investment options. My questions are: 1) Am I allowed to leave ...
by BerkeleyChris
Sun Jan 24, 2016 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Amex/Costco Customer Retention Offer
Replies: 21
Views: 5107

Re: Amex/Costco Customer Retention Offer

tomd37 wrote:I thought Costco was partnering with a VISA card provider in the US. Which is it, VISA or MasterCard? :confused
Visa in the U.S. and Mastercard in Canada. I am a U.S. consumer but read an article too quickly and wrote MC in my original post.
by BerkeleyChris
Sun Jan 24, 2016 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Amex/Costco Customer Retention Offer
Replies: 21
Views: 5107

Re: Amex/Costco Customer Retention Offer

Thanks HalfMillionaire and jaj2276! I'm going to hold out a bit longer and see if the offers I receive grow to the $500 mark. Same here - got the 500 back after 3000 offer. I took the offer and have happily received my 500 as well. :moneybag I posted on one of the several other threads about the Cos...
by BerkeleyChris
Sun Jan 24, 2016 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Amex/Costco Customer Retention Offer
Replies: 21
Views: 5107

Amex/Costco Customer Retention Offer

As has been discussed here before, AMEX cards with Costco affinity are expiring later this year as Costco transitions to Mastercard Visa as its partner. Many months ago I started receiving offers in the mail and on my online AMEX account for $100 credit if I sign up for another no annual fee card th...
by BerkeleyChris
Sat Jan 03, 2015 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Questions from a clueless Marine
Replies: 13
Views: 1994

Re: Questions from a clueless Marine

Thank you very much for your service. I am not in the military but have a TSP from a previous job and also use USAA. It sounds to me like your advisor is giving you good advice. If I were in your situation, I would first want to max out the TSP (at least up to the full portion where they match your ...
by BerkeleyChris
Mon May 19, 2014 9:44 pm
Forum: Personal Consumer Issues
Topic: Paying [on] a date
Replies: 73
Views: 4618

Re: Paying for a date

Quite heterosexually oriented options. It's a fair comment. Which options would you suggest adding to cover all cases of homosexual couples? Victoria Actually, this would be really insightful as it would tend to negate the role of gender expectations and all of the socialization that goes along wit...
by BerkeleyChris
Sat Apr 19, 2014 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: paydown strategy for mortgage
Replies: 43
Views: 5716

Re: paydown strategy for mortgage

Go for it. I am 35 now and paid off my mortgage several years ago, very aggressively, like you are doing. I have no regrets. Having no debt is priceless.
by BerkeleyChris
Sat Apr 19, 2014 7:42 am
Forum: Personal Consumer Issues
Topic: Hyundai Equus vs Lexus LS460
Replies: 2
Views: 935

Hyundai Equus vs Lexus LS460

Do any Bogleheads have hands-on experience in comparing the Hyundai Equus vs Lexus LS460? I would be especially interested to hear from those who have tried both, and picked one of these cars in the past couple of years. Thanks.
by BerkeleyChris
Sun Mar 09, 2014 7:45 pm
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 8216

Re: How did you get through the market crash in 08-09

i viewed it as a buying opportunity. everything was on sale and I bought as much as i could. and, when thinking about what i had that I "lost" in the crash, i thought about having another ~40 years to bounce back...
by BerkeleyChris
Sun Dec 29, 2013 1:13 pm
Forum: Investing - Theory, News & General
Topic: how to lower cost of automatic investment
Replies: 11
Views: 1012

Re: how to lower cost of automatic investment

a few years ago, i stopped new purchases of funds through my discount broker and opened an account directly at vanguard. A direct deposit (this a variable amount from my paycheck, everything after a fixed amount that goes to my checking for a monthly household budget) goes to mutual funds at vanguar...
by BerkeleyChris
Sun Dec 22, 2013 11:22 am
Forum: Personal Consumer Issues
Topic: Tips for a One-Way U-Haul Move
Replies: 39
Views: 5333

Re: Tips for a One-Way U-Haul Move

an alternative would be to get a quote from a company like this http://www.upack.com/ the way it works is they drop off an empty semi trailer in front of location A, and you pack it and they come back the next day. You only pay for the linear feet from the back of the trailer to where your stuff sto...
by BerkeleyChris
Sun Dec 22, 2013 10:43 am
Forum: Personal Consumer Issues
Topic: New car every 5 years vs 10
Replies: 81
Views: 9121

Re: New car every 5 years vs 10

I am fighting new car fever as well and am thinking about how much it would really save me to delay replacing my car. I came across this paper, Automotive Life Cycle Economics and Replacement Intervals , a few days ago: http://www.sae.org/events/green/reference/2010/Center%20for%20Sustainable%20Auto...
by BerkeleyChris
Sat Dec 14, 2013 11:07 am
Forum: Personal Consumer Issues
Topic: Poll: How much will you spend on Christmas gifts?
Replies: 34
Views: 2285

Re: Poll: How much will you spend on Christmas gifts?

gifts to people, probably zero.

lunches, and dinners, and happy hours with family and friends from high school when i go home, probably upwards of $1500.

holiday lunch with my assistant, $107

holiday cards and postage, about $300

charitable giving, $500
by BerkeleyChris
Tue Oct 29, 2013 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: 23 year old maxing out tax advantaged accounts...now what?
Replies: 61
Views: 7799

Re: 23 year old maxing out tax advantaged accounts...now wha

I think you are doing really great. In my opinion, the best thing you can do right now is make financial choices that increase your comfort/ability to take smart, calculated career risks. That might mean building up some more savings so you can move out and take a job in a different geographical loc...
by BerkeleyChris
Sat Aug 17, 2013 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: My brokerage house switched me to a different adviser
Replies: 18
Views: 1876

Re: My brokerage house switched me to a different adviser

this sounds like a really great opportunity to move your money to vanguard and dump your current company without remorse...
by BerkeleyChris
Wed Aug 14, 2013 9:14 am
Forum: Personal Consumer Issues
Topic: objective data on quietest cars?
Replies: 13
Views: 3096

Re: objective data on quietest cars?

letsgobobby wrote:I found an online database once by googling. If I find it I'll link to it.

You should have no problem finding a quiet car. Quiet and good value/affordable is a different story.

Edit: here's the link.

http://www.auto-decibel-db.com/

wow! thank you very much!

-Chris
by BerkeleyChris
Tue Aug 13, 2013 8:12 pm
Forum: Personal Consumer Issues
Topic: objective data on quietest cars?
Replies: 13
Views: 3096

objective data on quietest cars?

Hi, I am looking for an objective source that has current data on road noise for cars, probably as measured by the decibel level at a certain speed. After much googling, I can find anecdotal information and a few readings for older model years, but nothing comprehensive and current. Does anybody hav...
by BerkeleyChris
Fri Aug 09, 2013 9:43 am
Forum: Personal Finance (Not Investing)
Topic: House paid in full - tax implications
Replies: 19
Views: 2812

Re: House paid in full - tax implications

you pay the same amount of property taxes. although you might lose your mortgage interest deduction, you get a tax benefit of not being taxed on the imputed income you receive from living rent and payment free. here is a short article: http://www.ftpress.com/articles/article.aspx?p=761750&seqNum=7
by BerkeleyChris
Sun Jul 28, 2013 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: lost job - can I retire now
Replies: 39
Views: 7194

Re: lost job - can I retire now

Hi, XSAS, Sorry about losing your job. For what it's worth, I agree with folks about filing for unemployment, but I don't think you should decide right now about retiring or not retiring. You have about enough, and that alone should make you comfortable. Based on personal experience, I think you sho...
by BerkeleyChris
Sat Jul 20, 2013 9:28 am
Forum: Personal Finance (Not Investing)
Topic: What's your budget look like?
Replies: 45
Views: 5431

Re: What's your budget look like?

22% - 403b/457b/401a/Backdoor Roth
03% - Other retirement saving
15% - After-Tax Investing
06% - House upkeep
05% - Groceries/Restaurants/Entertaining
03% - Transportation
19% - General Living Expenses, Giving, and Fun
27% - Federal/State/Property Taxes
by BerkeleyChris
Thu Jul 11, 2013 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Why not pay credit card bill as soon as it arrives?
Replies: 69
Views: 7007

Re: Why not pay credit card bill as soon as it arrives?

i like the idea of not owing any money to anybody. I pay off my balance the day the billing period closes and if I put business expenses on the card, I put in several payments per month as the reimbursement checks arrive. having a balance due really annoys me...having it be zero is of greater worth ...
by BerkeleyChris
Sun Jun 30, 2013 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: How should i start to save?
Replies: 14
Views: 2199

Re: How should i start to save?

welcome to the forum and congratulations on landing a job that you love. that is great. If I were you I would make a budget and focus on paying off that debt as fast as possible. And while you are doing that maybe do some reading and think about your long term goals so you have a saving and investme...
by BerkeleyChris
Sat Jun 22, 2013 8:35 am
Forum: Personal Consumer Issues
Topic: Good email program suggestions
Replies: 41
Views: 3164

Re: Good email program suggestions

Thanks for all the input, very helpful. I'll dig up information on GMaill and Thunderbird, look at the layouts, and choose one of them. You're still thinking apples and oranges. It's not a matter of choosing one of them. Gmail is the web based Email system. Thunderbird is a pc based client that lin...
by BerkeleyChris
Thu Jun 20, 2013 8:28 pm
Forum: Investing - Theory, News & General
Topic: Investing in the stock market for the SHORT term
Replies: 37
Views: 2693

Re: Investing in the stock market for the SHORT term

some folks might say that by definition, money put in the stock market in the short term is not investing at all, it is speculation. From wikipedia: "Speculation is the practice of engaging in risky financial transactions in an attempt to profit from short or medium term fluctuations in the market v...
by BerkeleyChris
Sun Jun 16, 2013 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: FHA Condo Mortgage Question
Replies: 8
Views: 791

Re: FHA Condo Mortgage Question

Hi, welcome to Bogleheads! I am not an expert in this, but wanted to help try to respond to your post. I think you have a two-part question: 1) would it be better for you to take an FHA or conventional loan? I believe if you qualify for both, it is generally better to take the conventional. 2) do FH...
by BerkeleyChris
Thu Jun 13, 2013 8:19 pm
Forum: Personal Consumer Issues
Topic: What % of Gross Income Should You Spend on a New Car?
Replies: 70
Views: 5664

Re: What % of Gross Income Should You Spend on a New Car?

instead of asking the question this way, how about "what is the annual percentage of household income i/we should be spending on auto transportation" for me it looks like this: Category %[ Gas & Fuel 1.63% Auto Insurance 0.76% Service & Parts 0.49% Car Wash 0.15% Other 0.1% Parking 0.01% Depreciatio...
by BerkeleyChris
Sun Apr 14, 2013 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: 34 and just starting!!!!! HELP!!!
Replies: 10
Views: 2336

Re: 34 and just starting!!!!! HELP!!!

Welcome to the forum, and congratulations on the progress you have made on tackling debt so far. It must have taken some determination. You may already be familiar with Dave Ramsey. If not, I think he has some great overall advice on how to prioritize things in a household budget, the Cliff's Notes ...
by BerkeleyChris
Sat Apr 13, 2013 11:49 am
Forum: Personal Consumer Issues
Topic: Relocating advice
Replies: 17
Views: 1625

Re: Relocating advice

I moved from the east coast to the west coast recently, on my own dime, and had a great experience with a company called ABF http://www.upack.com/. How it works: they drop off an empty semi trailer at your house and you load the trailer at your own pace. You pay only for the space you use, as measur...
by BerkeleyChris
Thu Apr 11, 2013 10:05 am
Forum: Personal Consumer Issues
Topic: Ideas for Charleston, SC in June
Replies: 19
Views: 1411

Re: Ideas for Charleston, SC in June

I recommend the Hominy Grill--it's fantastic! http://hominygrill.com/
by BerkeleyChris
Tue Apr 09, 2013 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Which Index Fund to choose?
Replies: 19
Views: 1282

Re: Which Index Fund to choose?

BrianJone, I checked out some of your previous posts/threads... it seems you are REALLY OVERTHINKING this starting a Roth IRA deal!! You are just getting started in this whole investing deal, right? The important thing for you now is to start and contribute. You're splitting hairs over which total ...
by BerkeleyChris
Sat Apr 06, 2013 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review / Assistance
Replies: 6
Views: 567

Re: Portfolio Review / Assistance

the split between domestic / international looks great
by BerkeleyChris
Sat Apr 06, 2013 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review / Assistance
Replies: 6
Views: 567

Re: Portfolio Review / Assistance

i think you pretty much nailed your 70/30 desired allocation and have the proposed funds placed optimally in the most tax-efficient accounts Bond 29.1% International Stock 21.4% US Stock 49.6% was that the balance between domestic/international stocks you had in mind? not sure i added anything here,...
by BerkeleyChris
Sat Apr 06, 2013 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Deleted
Replies: 5
Views: 962

Re: 32 Year Old Needs Some Advice

Hi, Olerong. Nice job saving up and staying out of debt. 1. I'm not sure what I should do with the $125K; currently getting 0.85% interest. I have no immediate plans to touch most of that money and would like some advice on where to put it to get a higher rate of return, but still relatively little ...
by BerkeleyChris
Sat Apr 06, 2013 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: What level of detail do you budget to?
Replies: 66
Views: 6405

Re: What level of detail do you budget to?

i budget in about 10 broad categories that i monitor in mint, but i subcategorize individual transactions so that i can see within an individual category what is driving that area's expense. I started tracking everything about 7 years ago with quicken and then moved to mint.com...i used the budget i...
by BerkeleyChris
Sat Apr 06, 2013 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Novice with 403b and TSP questions
Replies: 8
Views: 694

Re: Novice with 403b and TSP questions

Hi, Jetpack, Yes, I would personally contribute up to the maximum match and then temporarily use anything extra to try to get yourself out of the car and/or get yourself in a position to refinance since you anticipate keeping the house a long time. ...if you can get just one of those two things done...
by BerkeleyChris
Sat Apr 06, 2013 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Novice with 403b and TSP questions
Replies: 8
Views: 694

Re: Novice with 403b and TSP questions

Hi, congratulations on getting started on taking control of your finances. for her 403b, most of the options are too expensive...but she does have a few good funds available. I agree with Default User BR that the 4 vanguard funds named could be used to get to her desired asset allocation. I have a d...
by BerkeleyChris
Sat Mar 30, 2013 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Large monetary gift from parents - do I have to pay taxes?
Replies: 10
Views: 1631

Re: Large monetary gift from parents - do I have to pay taxe

setting up the solo 401k and maxing it out sounds like a very smart move, would keep going with your 3-fund portfolio
by BerkeleyChris
Sat Mar 30, 2013 1:22 pm
Forum: Personal Consumer Issues
Topic: Best/Favorite ipad Apps
Replies: 34
Views: 5047

Re: Best/Favorite ipad Apps

asana
dropbox
mint
pandora
siriusxm
by BerkeleyChris
Sat Mar 30, 2013 11:40 am
Forum: Investing - Help with Personal Investments
Topic: backdoor roth IRA
Replies: 14
Views: 2872

Re: backdoor roth IRA

this will show up on form 8606 when you file taxes. you want to file this form every single year now to keep track of your "basis", the amount of aftertax IRA you are backdooring into a roth. If you have enough cash to make both your 2012 and 2013 contributions now, it will be easier to make the bac...
by BerkeleyChris
Sat Mar 30, 2013 1:09 am
Forum: Investing - Help with Personal Investments
Topic: Beginer Portfolio, High Tax Bracket
Replies: 10
Views: 1814

Re: Beginer Portfolio, High Tax Bracket

you're off to a great start. I have to ask, what is your plan for the mortgage? after maxing out the tax advantaged accounts, as a personal preference I'd focus on paying off the mortgage before you turn 40 instead of adding so much to the taxable account. If you haven't already read it, I would re...
by BerkeleyChris
Mon Mar 25, 2013 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: DCP, 457 pre-tax, after tax, for a resident physician
Replies: 4
Views: 778

Re: DCP, 457 pre-tax, after tax, for a resident physician

DCP after tax (which allows in service rollover/conversions to Roth IRA) Hi, Kidshrink, are you a university of california employee? If so, I have a question for you. I work for UC and am trying to find the documentation that says I can do in service rollover of DCP aftertax to Roth IRA with no pen...