Search found 389 matches

by FoolStreet
Wed Jun 21, 2017 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Did I just get seriously ripped off?? (Car lease)
Replies: 54
Views: 4485

Re: Did I just get seriously ripped off?? (Car lease)

I admit I should have taken more time with this... My 9 year old bimmer was starting to bite the dust, so I took it in to the dealership where I originally bought it, hoping for some loyalty. They offered eventually $5k for the car. Check. Then they knocked that amount off the price of a new 230i P...
by FoolStreet
Sat Jun 17, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: Best Cheap Champagne
Replies: 60
Views: 3693

Re: Best Cheap Champagne

Costco has a Kirkland prosecco for $6.99 that's very drinkable. We prefer it over Freixenet. +1 on Costco. Pick your price range. Costco's selections will generally be among the best for whatever price they are charging. And yes, Costco's selections under their own Kirkland brand are very good when...
by FoolStreet
Sat Jun 17, 2017 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Voyager Select vs Flagship
Replies: 32
Views: 4775

Re: Voyager Select vs Flagship

The advantage of Flagship to me is a more personal relationship. I can say Hello Savannah, and she says Hello Wes. I value that. For example, we discussed at length the issues relating to a transfer of funds from a Calif STRS 403b account, and got the right paperwork to/from individuals in the two ...
by FoolStreet
Tue Jun 06, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Please talk me out of a turnkey rental property
Replies: 72
Views: 4647

Re: Please talk me out of a turnkey rental property

First find a property manager. Work backwards from there. Thanks for your reply. As I said in my last response, after a few more days of studying I came to realize that's exactly accurate, you need to assemble your own team by finding a trusted property manager who will heavily screen tenants and t...
by FoolStreet
Mon Jun 05, 2017 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Please talk me out of a turnkey rental property
Replies: 72
Views: 4647

Re: Please talk me out of a turnkey rental property

Research it thoroughly. Do so with the intent to learn everything you can, not the intent to show it is a good idea. Acquire hard, real numbers. Enter investment property with knowledge and the right mindset and expectations. All that is more difficult to do from afar. Thank you for these final rec...
by FoolStreet
Sun May 14, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: Tipping at All Inclusive Resort?
Replies: 67
Views: 5103

Re: Tipping at All Inclusive Resort?

I tip. What is an extra 50 bucks over a 3-4 days to me? I will typically give a 10 to the bartender at the pool at the beginning and coast for several hours. I especially tip the servers that do the beach service. It looks extremely challenging to be trekking through the sand in pants and a long sl...
by FoolStreet
Mon May 01, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Kamado grill
Replies: 30
Views: 3196

Re: Kamado grill

I am fearing this. i suspect it will sit and collect dust. i enjoy grilling (only on weekends). weekdays I am away from home (6a to 7p) and i doubt i will have time. I only like grilling chicken, fish (salmon) and some cuts of lamb. 100% agree, I have one that I enjoy owning, but it just doesn't ge...
by FoolStreet
Sun Apr 30, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Kamado grill
Replies: 30
Views: 3196

Re: Kamado grill

Definitely check this link: https://www.costco.com/kamado-joe-schedule.html Yes but that one is different from the "Pit Boss" also sold by Costco. The Kamado Joe is probably 3x as much, it's one of the 'name' brands (like Big Green Egg.) For my use the Pit Boss is perfect, I got 90% of th...
by FoolStreet
Sat Apr 29, 2017 8:26 pm
Forum: Personal Consumer Issues
Topic: Kamado grill
Replies: 30
Views: 3196

Re: Kamado grill

I have the Costco 'Pit Boss' version, it was $399 on sale last summer (goes on sale annually) https://www.costco.com/Pit-Boss-Ceramic-BBQ-Grill-.product.100295951.html Pros: - When on sale, it's a very good deal for a large Kamado. (Even the regular in-store price of $650 is decent, but I'd wait fo...
by FoolStreet
Sat Apr 29, 2017 8:25 pm
Forum: Personal Consumer Issues
Topic: Kamado grill
Replies: 30
Views: 3196

Re: Kamado grill

I have the Costco 'Pit Boss' version, it was $399 on sale last summer (goes on sale annually) https://www.costco.com/Pit-Boss-Ceramic-BBQ-Grill-.product.100295951.html Pros: - When on sale, it's a very good deal for a large Kamado. (Even the regular in-store price of $650 is decent, but I'd wait fo...
by FoolStreet
Sat Apr 29, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: Kamado grill
Replies: 30
Views: 3196

Re: Kamado grill

Was browsing thru the forums and came across this topic. I enjoy grilling on my Weber Charcoal grill. Was thinking if this sort of grill is worth it? Any good recommendations for a portable Kamado grill? Portable meaning I would like to move it around in my backyard. I see Lowes has a chargriller f...
by FoolStreet
Sat Apr 29, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Helping adult children
Replies: 81
Views: 8432

Re: Helping adult children

Ok, I read Beyond the Grave and am feeling a bit guilty. Here's our situation...we have two sons. Both are engineers and doing well in their careers. Son 1 has 3 active children and a stay-at-home wife who is a wonderful mom. Son 2 is married and his wife has an excellent career. They have no child...
by FoolStreet
Tue Apr 25, 2017 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Reached 50% of my "number" today
Replies: 20
Views: 4347

Re: Reached 50% of my "number" today

Congratulations to you! Its a little over a year ago we started our journey on Bogleheads. I can never thank Lifehacker enough for the article I read that sent me searching for a better way to manage our retirement funds. Every year I did the taxes since we had hired our FA it was killing me to see...
by FoolStreet
Sun Apr 23, 2017 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Truly appreciate your suggestions on my investments
Replies: 20
Views: 696

Re: Truly appreciate your suggestions on my investments

Foolstreet, My total 401K amount is the combination of the small and medium funds Touché. I think the advise still stands. Perhaps more so. Nice work there. Actually, as I recommmend it above, this only gives you a ratio of 90%us to 10% international. You probably want a little more international, ...
by FoolStreet
Sun Apr 23, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Truly appreciate your suggestions on my investments
Replies: 20
Views: 696

Re: Truly appreciate your suggestions on my investments

Oracles4444 wrote:Foolstreet,

My total 401K amount is the combination of the small and medium funds



Touché. I think the advise still stands. Perhaps more so. Nice work there.
by FoolStreet
Sun Apr 23, 2017 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Truly appreciate your suggestions on my investments
Replies: 20
Views: 696

Re: Truly appreciate your suggestions on my investments

FoolStreet, Yes i am getting it and excited i am getting it LOL thank you I guess i can keep my Roth in Fidelity and make it an international index - have to look for one Then move money from fidelity to Vanguard and make that my taxable account and make it all VTSAX We all love Vanguard, so happy ...
by FoolStreet
Sun Apr 23, 2017 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Truly appreciate your suggestions on my investments
Replies: 20
Views: 696

Re: Truly appreciate your suggestions on my investments

dbr is one of our best and brings up some great points. I want to mention my thought process. First, you don't tell us your 401k amount, so kind of going blind. Second, your bond allocation is pretty small, so it can probably fit all in one account, rather than spread out. Which account? We like to ...
by FoolStreet
Sun Apr 23, 2017 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Truly appreciate your suggestions on my investments
Replies: 20
Views: 696

Re: Truly appreciate your suggestions on my investments

Step 2: look at your 401k. Scan through the investment options and find the one with the lowest expense ratio. Not a coincidence, that is an S&P index fund. Put 100% of your 401k into that. That basically meets the US Equities checkbox. It's good enough for Buffett, it's good enough for us. Edi...
by FoolStreet
Sun Apr 23, 2017 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Truly appreciate your suggestions on my investments
Replies: 20
Views: 696

Re: Truly appreciate your suggestions on my investments

Step 3:make your Roth 100% of a total international index. Pick whichever one you want, presumably the one from Fidelity since it is a fidelity account. Step 4: Make the taxable be a total stock market index, again presumably fidelity. Do you think you will have uncomfortable cap gains? If so, you c...
by FoolStreet
Sun Apr 23, 2017 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Truly appreciate your suggestions on my investments
Replies: 20
Views: 696

Re: Truly appreciate your suggestions on my investments

Step 2: look at your 401k. Scan through the investment options and find the one with the lowest expense ratio. Not a coincidence, that is an S&P index fund. Put 100% of your 401k into that. That basically meets the US Equities checkbox. It's good enough for Buffett, it's good enough for us. Edit...
by FoolStreet
Sun Apr 23, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Truly appreciate your suggestions on my investments
Replies: 20
Views: 696

Re: Truly appreciate your suggestions on my investments

Before we start, do you know what the 3-fund portfolio concept is? All we are going to do is to massage your investments into those 3 funds: us equities, international and total bond. Some people like to slice and dice to create subcategories within each of those main categories, but simplifying to ...
by FoolStreet
Sun Apr 23, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: End of car lease calculation
Replies: 7
Views: 676

Re: End of car lease calculation

goru1 wrote:
buy from the financial firm holding the title, not from the dealer.

It is leased by Honda finance.

My lease term is 12,000 miles per year. Does it mean if I return and not use 36000, I loose money for every unused mile?


Yes, you paid for what you didn't use.
by FoolStreet
Sun Apr 23, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: End of car lease calculation
Replies: 7
Views: 676

Re: End of car lease calculation

Is my calculation correct? Which option make sense? Purchase leased vehicle: 2015 pilot lx borrow 18,400 ( residual value of leased vehicle ) 60 months used 3.49% monthly 335 Return leased vehicle and buy new: 2017 pilot lx borrow 31000 ( estimated out the door price ) 60 months new 2.49% monthly 5...
by FoolStreet
Sat Apr 22, 2017 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Reached 50% of my "number" today
Replies: 20
Views: 4347

Re: Reached 50% of my "number" today

Congratulations to you! Its a little over a year ago we started our journey on Bogleheads. I can never thank Lifehacker enough for the article I read that sent me searching for a better way to manage our retirement funds. Every year I did the taxes since we had hired our FA it was killing me to see...
by FoolStreet
Fri Apr 21, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Services
Replies: 62
Views: 4863

Re: Trust Services

...I agree with all of this, which is why I feel that a trust that restricts a trustee to index investing should also have a means to modify that requirement in the event the future is radically different. The Trust Protector approach is one way to do this. There is already appropriate boilerplate ...
by FoolStreet
Thu Apr 20, 2017 7:27 am
Forum: Investing - Help with Personal Investments
Topic: Wife's Money - 50K - Her Advisor vs My DIY - Help
Replies: 67
Views: 5873

Re: Wife's Money - 50K - Her Advisor vs My DIY - Help

Yes, we have a appointment with Vanguard end of this month. They are backed up. Most of the reviews we saw on VPS is Vanguard advisor will be very cookie-cutter (which may satisfy us anyway) but will not be a CFP and will not review our insurances etc - not comprehensive planning, will not review o...
by FoolStreet
Wed Apr 19, 2017 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's Money - 50K - Her Advisor vs My DIY - Help
Replies: 67
Views: 5873

Re: Wife's Money - 50K - Her Advisor vs My DIY - Help

Advisor told us we have less Term Life Insurnace we should. I've 1.2 M and wife has 750K Term - 20 year, we are 6 yrs into term. I guess that was his reasoning into IUL to supplement our term-life - not sure. we will find out on our next (and last meeting) Question is How do BH decides how much ins...
by FoolStreet
Mon Apr 17, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Hiking the Tahoe Rim Trail
Replies: 21
Views: 1825

Re: Hiking the Tahoe Rim Trail

Sounds like a great time! My wife and I used to do a lot of backpacking and miss it. Posts like this inspire me to go again soon. Thanks for posting!
by FoolStreet
Mon Apr 17, 2017 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Services
Replies: 62
Views: 4863

Re: Trust Services

I remember a thread on this and paraphrasing bsteiner, he said, do you want the low cost investing approach? Or do you want the arms-length benefit of trust asset protection from creditors and spouses? If the former then select an individual trustee. If the latter, pick a firm. He also seems to be r...
by FoolStreet
Thu Apr 06, 2017 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Secretly entered two comma club
Replies: 44
Views: 7078

Re: Secretly entered two comma club

Yep, cash flow versus balance sheet-- (and I don't include home equity in two comma) you can't use home equity for paying bills nor can you access certain retirement accounts without significant penalties. Stealth millionaire is better-- no expectation of keeping up with the Jones, needing the late...
by FoolStreet
Thu Apr 06, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Secretly entered two comma club
Replies: 44
Views: 7078

Re: Secretly entered two comma club

Well, you should at least give into your wife on the kindergarten issue. Well, there is a difference between balance sheet and statement of cash flows for a reason. Just because your house has equity and your retirement accounts are funded does not mean you have the cash flow to pay for private. Bu...
by FoolStreet
Thu Apr 06, 2017 1:47 am
Forum: Investing - Help with Personal Investments
Topic: How to manage lump sum from real estate sale
Replies: 12
Views: 1700

Re: How to manage lump sum from real estate sale

ORIF: I am in a similar situation. Expect the sale of business with real estate to consummate next month. In order to save money on capital gains tax I was referred by my CPA to a financial advisor who tried to sell me DST's (Delaware Statutory trusts) via 1031 exchange --very high fee products , O...
by FoolStreet
Mon Apr 03, 2017 12:32 am
Forum: Investing - Theory, News & General
Topic: Helping explain low cost indexing to friends
Replies: 19
Views: 1516

Re: Helping explain low cost indexing to friends

Hi, Recently a close friend of mine asked for help with how to invest her ROTH IRA money. I explained that I used Vanguard index funds in my own ROTH. I will formally sit down with her in the coming weeks to show her exactly what it is I invest in. That being said, I have already read other threads...
by FoolStreet
Tue Mar 28, 2017 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Non-traded REIT - Analyzing how horrible, and trying to get out
Replies: 30
Views: 2547

Re: Non-traded REIT - Analyzing how horrible, and trying to get out

jbinker -- I'm in a similar situation, though somewhat of our own making, in that we trusted him, where our CFP (FA) put us in a 3 different non-traded REIT's in 2014. I've been trying to learn as much as I can, and it's very difficult trying to decide whether to keep them and wait them out or sell...
by FoolStreet
Sat Mar 25, 2017 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Planning for home purchase and simplifying investments
Replies: 4
Views: 574

Re: Planning for home purchase and simplifying investments

Thanks for the detailed reply. Let's start with the 401k / IRA Why don't you post what you are currently invested in with their expense ratios, and your desired risk level (to come up with your overall stock v bond mix), and make sure you tell us what funds and expense ratios are available in your ...
by FoolStreet
Fri Mar 24, 2017 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Buy a house or wait in bay area
Replies: 34
Views: 3315

Re: Buy a house or wait in bay area

Hello bogleheads, We see numerous threads on this topic and would welcome advice from folks who have been down the path. Our stats in Brief: Bay area double income couple. Newborn at home.(going to day care in 3 months) Have 20% downpayment for 750-850k range house. (plus 3 months EFund only after ...
by FoolStreet
Sun Mar 12, 2017 12:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: San Jose, CA Area Bogleheads Chapter
Replies: 70
Views: 15278

Re: San Jose, CA Area Bogleheads Chapter

I think that we can cover these topics on this board if you repost the questions and background to the main page. a. Pick vanguard (board approved!) or fidelity or Schwab 1. Keep it in a short term bond fund or high yield savings account. Depending on your income tax rate, consider 50/50 short term...
by FoolStreet
Thu Mar 09, 2017 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Planning for home purchase and simplifying investments
Replies: 4
Views: 574

Re: Planning for home purchase and simplifying investments

Pulling my comments from the local sub chapter thread..... I think that we can cover these topics on this board if you repost the questions and background to the main page. a. Pick vanguard (board approved!) or fidelity or Schwab 1. Keep it in a short term bond fund or high yield savings account. De...
by FoolStreet
Tue Mar 07, 2017 2:19 am
Forum: Personal Finance (Not Investing)
Topic: Steps to take now before family member's imminent death
Replies: 24
Views: 3327

Re: Steps to take now before family member's imminent death

Post by SimonJester » Mon Mar 06, 2017 6:02 pm The only thing that comes to mind is perhaps as a family start thinking about final arrangements (as in funeral arrangements) ahead of time. Perhaps write down things you want to happen, what sort of expenses the family would want for the funeral. Havi...
by FoolStreet
Sun Mar 05, 2017 12:47 am
Forum: Local Chapters and Bogleheads Community
Topic: San Jose, CA Area Bogleheads Chapter
Replies: 70
Views: 15278

Re: Leaving Wells Fargo - Recommendations for fee-only financial advisor

Hello San Jose Bogleheads. I am looking for recommendations on a fee-only advisor in the Bay Area. Preferably in SF or reachable by phone. I wish I could make it to the next San Jose chapter Bogleheads meeting but it's difficult to get out in the evenings due to the kids, and I live way up in SF. B...
by FoolStreet
Sun Mar 05, 2017 12:26 am
Forum: Personal Finance (Not Investing)
Topic: 4runner vs. Highlander?
Replies: 41
Views: 4904

Re: 4runner vs. Highlander?

I have both though they are not close to the same model years. The 4runner is a 2000 with 235k on it and the highlander is a 2015 with 20k on it. Like others have mentioned the highlander drives like a car and is great on road trips. The 4runner drives like a truck and will punish you all the way t...
by FoolStreet
Wed Mar 01, 2017 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance laddering and inflation
Replies: 6
Views: 677

Re: Life insurance laddering

I'm 35, looking to buy a 30 year term policy, and am trying to figure out if I should ladder some policies to save a bit of money in later years. I saw that banner offers rider products that make it easy to ladder by avoiding duplicate policy fees, which is nice. What I'm not sure of, though, is ho...
by FoolStreet
Tue Feb 28, 2017 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: saving for european vacay in 2055
Replies: 31
Views: 2950

Re: saving for european vacay in 2055

Lake Living wrote:
Hogan773 wrote:I am looking to set aside some money today as I have my eye on the 2052 model Honda Accord Self-Piloting AutoDrone.


The Accord will have a total redesign for 2053, so it may be worth waiting a year.



You two!
by FoolStreet
Sat Feb 25, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Invest or pay down rental property mortgage
Replies: 16
Views: 1072

Re: Invest or pay down rental property mortgage

I get that this has been rehashed to death but let me just ask for confirmation of my math. Because of the deduction for home interest, I don't pay down my home loan. But given the choice between paying down rental property mortgages and investing in a dviersified fund (*after* already maxing out 4...
by FoolStreet
Sun Feb 19, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Mother's finances... lots of stuff spread all over
Replies: 10
Views: 1296

Re: Mother's finances... lots of stuff spread all over

Thank you for the advice all. I think that yes, the biggest thing is figuring out what the capital gains would be and any taxes associated with that. This is what I was thinking to start: 1. Transfer ALL the IRAs to Vanguard and close the two tIRAs with $6,500 sitting in them and make contributions...
by FoolStreet
Tue Feb 07, 2017 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Breaking up with our Financial Planner - Now where to put Retirement Accounts
Replies: 24
Views: 1929

Re: Breaking up with our Financial Planner - Now where to put Retirement Accounts

Two years ago, we moved all of our retirement accounts to a financial planner. We thought it would be great to consolidate our (husband and I) hodge podge of Roth IRA's, Rollover IRA's, and 401k's. It was a hot mess having those accounts all over the place and at first, I felt great consolidating t...
by FoolStreet
Sun Feb 05, 2017 4:18 pm
Forum: Local Chapters and Bogleheads Community
Topic: San Jose, CA Area Bogleheads Chapter
Replies: 70
Views: 15278

Re: San Jose, CA Area Bogleheads Chapter

Wow, if you're serious I think that would be amazing! I see light at the end if a long, long tunnel of trying to get my wife even faintly interested in our portfolio! That sounds like fun!! Unfortunately, I don't think I am serious. SJ is too far for me. But these are conversations you could have w...
by FoolStreet
Sun Feb 05, 2017 4:16 pm
Forum: Local Chapters and Bogleheads Community
Topic: San Jose, CA Area Bogleheads Chapter
Replies: 70
Views: 15278

Re: San Jose, CA Area Bogleheads Chapter

Wow, if you're serious I think that would be amazing! I see light at the end if a long, long tunnel of trying to get my wife even faintly interested in our portfolio! That sounds like fun!! Unfortunately, I don't think I am serious. SJ is too far for me. But these are conversations you could have w...
by FoolStreet
Sat Feb 04, 2017 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 84
Views: 14735

Re: Two Comma Club

Wonder how long it takes to get to 2M from 1M from here. Too bad, no one posts about 2M. Everyones about hitting the first 1M IMHO after 1 M, the steps are deeper and slower, sand rises higher, and feeling of slogging into the rising wind takes tremendous fortitude. After 2 Mil, Losses are larger, ...

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