Search found 238 matches

by Goal33
Fri Mar 24, 2017 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Buy a house or wait in bay area
Replies: 24
Views: 1471

Re: Buy a house or wait in bay area

May I ask what city you work in and where are you looking to buy? Sure, San Mateo- almost foster city/Belmont area. Looking in North Fremont area. That's $200 monthly bridge toll. Wouldn't it make more sense to buy the difference in house on the other side of the bay? I know, I know, San Mateo is m...
by Goal33
Fri Mar 24, 2017 1:17 am
Forum: Personal Finance (Not Investing)
Topic: brother managing mother's investments?
Replies: 7
Views: 1006

Re: brother managing mother's investments?

He will be blamed for general market performance, good or bad.

Is he going to manage it as a DIY portfolio, or through his professional services?
by Goal33
Thu Mar 23, 2017 12:35 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard keeps saying my e-mail address doesn't work
Replies: 10
Views: 696

Re: Vanguard keeps saying my e-mail address doesn't work

My fiancé also got a letter for her vanguard account to the same effect. I haven't had a chance to deal with it yet...
by Goal33
Wed Mar 22, 2017 2:54 am
Forum: Personal Consumer Issues
Topic: Car Vandalism During Cross-Country Drive
Replies: 41
Views: 3242

Re: Car Vandalism During Cross-Country Drive

CFM300 wrote:Hauling the boxes from the car to the room (and back in the morning) might be a bit of work, but you'll need and appreciate the exercise after driving all day.


Lifting boxes after a long day of driving sounds like the straw that would break my back.
by Goal33
Tue Mar 21, 2017 10:15 pm
Forum: Personal Consumer Issues
Topic: Car Vandalism During Cross-Country Drive
Replies: 41
Views: 3242

Re: Car Vandalism During Cross-Country Drive

White Coat Investor wrote:You could also do AirBnBs. Maybe it would be safer to be in someone's driveway than at a hotel.


+1, also consider tinting your windows, limo tint in the back, and lighter in the front. Would make the drive more pleasant as well as make it slightly less obvious you have a car load of stuff.
by Goal33
Thu Mar 16, 2017 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: won a car - want to sell
Replies: 13
Views: 2826

Re: won a car - want to sell

My friend won a car. He had to pay the taxes on it though. He almost didn't get the car since he hung up because he thought it was a scam!
by Goal33
Wed Mar 15, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: CA State Tax Refund ~ 3 Month Processing Time
Replies: 10
Views: 477

Re: CA State Tax Refund ~ 3 Month Processing Time

I e-filed late at night on 2/20 and got my CA return first thing in the morning on 2/28
by Goal33
Wed Mar 15, 2017 12:26 am
Forum: Investing - Help with Personal Investments
Topic: Pay off car?
Replies: 7
Views: 732

Re: Pay off car?

So long as you have a 0% interest rate on the loan I don't think you need to rush to pay it off. I think one exception would be if you wanted to have only minimal car insurance coverage. In that case you would have to pay off the loan before you could downgrade the car's insurance. Usually this is ...
by Goal33
Tue Mar 07, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Take out loan on vehicle to invest?
Replies: 53
Views: 2436

Re: Take out loan on vehicle to invest?

My question would be why didn't you finance initially?
by Goal33
Sat Mar 04, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Where do you order checks from?
Replies: 57
Views: 3115

Re: Where do you order checks from?

Ally Bank gives me free checks. Maybe you should move over to someplace that gives free checks?
by Goal33
Wed Mar 01, 2017 6:59 pm
Forum: Investing - Theory, News & General
Topic: What degree of stock market decline would tempt you to deviate from your AA?
Replies: 87
Views: 5740

Re: What degree of stock market decline would tempt you to deviate from your AA?

The great gaping hole I see in the Boglehead Plan is what happened in Japan in 1992 and in the Great Depression. I don't want to rebalance into a black hole. As a result I would not over commit resources into a market that may not come back in my lifetime. If I was in my 20's I'd rebalance all the ...
by Goal33
Wed Mar 01, 2017 1:51 am
Forum: Personal Finance (Not Investing)
Topic: Tax Thoughts - Home Sale and Rental Sale in 2016
Replies: 5
Views: 544

Re: Tax Thoughts - Home Sale and Rental Sale in 2016

I'd say you're on the hook for taxes on both.
by Goal33
Tue Feb 28, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 4936

Re: Don't pay full price for cable TV

OTA Antenna here (only get NBC), and neighbors open wifi network... it's been a great savings since I moved here a few months ago :greedy
by Goal33
Mon Feb 27, 2017 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: 17 year old just starting/need advice
Replies: 28
Views: 2044

Re: 17 year old just starting/need advice

Reminds me of myself at age 17. My parents could cash flow my college too, and then my dad re-married and stopped talking to his "old" family. I had to use my emergency fund.
by Goal33
Mon Feb 27, 2017 8:53 pm
Forum: Personal Consumer Issues
Topic: Non disclosure disagreement
Replies: 1
Views: 320

Re: Non disclosure disagreement

Verbal doesn't matter. This will probably end up as a suit against the seller and in the end will result in a judgement in favor of the buyer given the information you just provided.
by Goal33
Sat Feb 25, 2017 2:06 am
Forum: Personal Finance (Not Investing)
Topic: Ethical dilemma involving birthdays and wine..
Replies: 35
Views: 3570

Re: Ethical dilemma involving birthdays and wine..

I'd continue to enjoy the wine... would not sent a hint to try and be removed from the fancy wine list. That sounds crazy to me.
by Goal33
Thu Feb 23, 2017 12:03 am
Forum: Personal Finance (Not Investing)
Topic: $200 Emergency Visit Copay Waiver?
Replies: 49
Views: 3434

Re: $200 Emergency Visit Copay Waiver?

I'd just pay the 200 and be done with it
by Goal33
Mon Feb 20, 2017 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Mother-in-law Financial Problems
Replies: 20
Views: 2397

Re: Mother-in-law Financial Problems

If you convinced her to sell the house and she has agreed to stop buying things, I think you solved the problem...
by Goal33
Sun Feb 19, 2017 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for my Age - 28
Replies: 21
Views: 2130

Re: Advice for my Age - 28

your cell phone bill is too high
by Goal33
Fri Feb 17, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Car windshield wipers - go cheap or better?
Replies: 42
Views: 3937

Re: Car windshield wipers - go cheap or better?

I find the Goodyear ones at Costco to be the highest quality and only slightly more expensive than the cheapest ones you'd find at an automotive store.
by Goal33
Fri Feb 17, 2017 1:58 am
Forum: Personal Finance (Not Investing)
Topic: IRA for just one year?
Replies: 16
Views: 734

Re: IRA for just one year?

So now my guess is that the best plan is: ⋅  fully fund a roth ira for me for 2016 ⋅  fully fund a TIRA for spouse for 2016 ⋅  backdoor roth in the future If he does the TIRA for spouse in 2016 he won't be able to do backdoor roth for spouse (without paying taxes on th...
by Goal33
Thu Feb 16, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: IRA for just one year?
Replies: 16
Views: 734

Re: IRA for just one year?

Actually, should have noted that your spouse could also do a deductible IRA for 2016 as an alternate. Does that mean she can continue doing that in future years as well? Reading some of the links provided, I think the answer is no. So now my guess is that the best plan is: ⋅  fully fund a...
by Goal33
Mon Feb 13, 2017 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Need quick advice: Pay full year's rent or large security deposit?
Replies: 47
Views: 2458

Re: Need quick advice: Pay full year's rent or large security deposit?

Maybe OP should cosign for daughter and keep the 5 extra months of security deposit in case daughter messes up.
by Goal33
Mon Feb 13, 2017 10:12 am
Forum: Investing - Help with Personal Investments
Topic: What to do with daughter's $100
Replies: 73
Views: 4248

Re: What to do with daughter's $100

She should use it as a security deposit on her own apartment.
by Goal33
Sun Feb 12, 2017 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Is 130k a good salary in IT?.
Replies: 40
Views: 5543

Re: Is 130k a good salary in IT?.

I make more than that in IT and I'm 25 with 2 years of experience in the Bay Area. So, the answer is that it depends.
by Goal33
Fri Feb 10, 2017 12:29 am
Forum: Investing - Theory, News & General
Topic: What to do with $12000?
Replies: 15
Views: 2204

Re: What to do with $12000?

It's not too late to put it into the Roth for 2016. Better to let it sit in a roth than to let it sit not in a roth
by Goal33
Mon Feb 06, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Employer requesting signing NDA
Replies: 21
Views: 1576

Re: Employer requesting signing NDA

whodidntante wrote:Tell them you're quitting over the NDA. Be inconsolable.


Haha
by Goal33
Thu Feb 02, 2017 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Holding a Relative's Mortgage
Replies: 20
Views: 1422

Re: Holding a Relative's Mortage

The most simple thing she could do is not do this. I don't see the benefit?
by Goal33
Sun Jan 29, 2017 12:42 am
Forum: Personal Finance (Not Investing)
Topic: Received 1099-G?
Replies: 29
Views: 2238

Re: Received 1099-G?

My mother received a 1099-G from the State, reporting the total overpayment for state income tax in the 2015 return. I've never seen this before. On the back of the form it states that the IRS notifies the state who should be issued a 1099-G. The 2015 return was the final joint return for my parent...
by Goal33
Sat Jan 28, 2017 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Determining max amount to spend on a house?
Replies: 27
Views: 3356

Re: Determining max amount to spend on a house?

Very familiar with the areas you're considering. 2.5 will buy you something nice. I don't think you can even get into Piedmont for less than 2 now.
by Goal33
Sat Jan 28, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Audit Question
Replies: 3
Views: 695

Re: IRS Audit Question

Thanks, you're right.
by Goal33
Sat Jan 28, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Investment property to help my family?
Replies: 23
Views: 1711

Re: Investment property to help my family?

My BIL is having kid number 5, and needs to move for work and space. He can't qualify for a mortgage because of his credit, but renting a home where he is moving to costs significantly more than a mortgage on the same home (Very LCOL area). He found a home that is bank owned and needs a little work...
by Goal33
Fri Jan 27, 2017 12:16 am
Forum: Personal Finance (Not Investing)
Topic: IRS Audit Question
Replies: 3
Views: 695

IRS Audit Question

First time I filed my tax return I didn't have a clue... I didn't include my stock transactions b/c ultimately I had lost like $50 for the year and I assumed it didn't matter. It did matter because back then the brokerage would only report stock sales and not basis like now. I ended up getting a let...
by Goal33
Wed Jan 25, 2017 1:11 am
Forum: Personal Consumer Issues
Topic: Full time to part time.
Replies: 41
Views: 3112

Re: Full time to part time.

Is he just lazy? I can't imagine willingly going from 85k to 43k income if I wasn't closer to financial independence.
by Goal33
Wed Jan 25, 2017 1:06 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford to stop working overtime?
Replies: 56
Views: 4525

Re: Can I afford to stop working overtime?

jjface wrote:Someone spending $9k a month is not thrifty. But whatever works for you.


+1
by Goal33
Wed Jan 25, 2017 1:04 am
Forum: Personal Consumer Issues
Topic: Biting the bullet and getting off the roof.
Replies: 41
Views: 5692

Re: Biting the bullet and getting off the roof.

Unless you've made a profession of it you probably shouldn't be on your roof. When I worked in the ER it was full of folks like you taking on projects like this. I'd rather pay a few hundred than fall from a ladder or roof.
by Goal33
Tue Jan 24, 2017 1:19 am
Forum: Personal Finance (Not Investing)
Topic: Someone wants to pay me with a credit card.
Replies: 10
Views: 1345

Re: Someone wants to pay me with a credit card.

Square doesn't have an upfront cost. They just charge a fee around 3% of the transaction. I'd say that would be your easiest bet if they are willing to pay 3% more because of the ease of processing.
by Goal33
Mon Jan 23, 2017 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: minimum necessary to retire at defined expense level
Replies: 37
Views: 3470

Re: minimum necessary to retire at defined expense level

See my username for appropriate goal times spending
by Goal33
Sun Jan 22, 2017 5:08 pm
Forum: Investing - Theory, News & General
Topic: Reasons against margin aside from risk of margin call?
Replies: 23
Views: 1643

Re: Reasons against margin aside from risk of margin call?

This one is a biggie for me. If you use margin, your broker can lend out your shares for short-sellers. You gave your permission when you signed the margin agreement. I have nothing against short-sellers, but they pay you cash-in-lieu of a dividend. This is taxed as ordinary income instead of the l...
by Goal33
Sun Jan 22, 2017 1:00 pm
Forum: Personal Consumer Issues
Topic: Selling diamond engagement ring
Replies: 40
Views: 4781

Re: Selling diamond engagement ring

Maybe you can keep the stone for the next one. Sell the setting for 1k or something.
by Goal33
Sat Jan 14, 2017 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX or 457 -- Which choice is better and why?
Replies: 9
Views: 919

Re: What to do with $85k in 'new' money? Need advice.

I like option 3 but you may want to consider doing it over longer than 2 years depending on your marginal tax brackets. I.e if you are usually in the 25%, maybe only put enough money to defer at that level and don't just blindly contribute and end up deferring a bunch that would have been taxed at 1...
by Goal33
Fri Jan 13, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Stay in paid-off starter house vs. dream house+work a few more years
Replies: 51
Views: 3256

Re: Stay in paid-off starter house vs. dream house+work a few more years

Just have to send a little "lol" here as I bought a home for the around same price with 20% down on a single income of approx 130k income in CA (high state tax). I still max out my Roth, and 401k and don't even feel strapped. So at 600k income I'd say yes, you can go for it.
by Goal33
Sun Jan 08, 2017 7:39 pm
Forum: Personal Consumer Issues
Topic: Which car paint option Maaco
Replies: 40
Views: 3587

Re: Which car paint option Maaco

Your car is a beater. You need to embrace it's character or move on to a new vehicle.
by Goal33
Fri Jan 06, 2017 2:30 am
Forum: Personal Finance (Not Investing)
Topic: Is driving for uber worth it for side money?
Replies: 67
Views: 10855

Re: Is driving for uber worth it for side money?

Depends on how much you make at your full time job...
by Goal33
Mon Jan 02, 2017 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Help evaluate new job offer with no 401k match
Replies: 14
Views: 883

Re: Help evaluate new job offer with no 401k match

The compensation difference between the two jobs are not significant enough to make a decision based on compensation difference.
by Goal33
Mon Jan 02, 2017 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Buy or keep renting in Manhattan?
Replies: 25
Views: 3138

Re: Buy or keep renting in Manhattan?

Well it's hard for me to say this, because I bought a house at approx 5x my income (financed 80% of it), but I think you should wait until you you are ready to buy a house of this value in cash. My thinking and the difference between our situations: My house is a pretty standard townhouse in a very ...
by Goal33
Sat Dec 31, 2016 1:43 am
Forum: Personal Finance (Not Investing)
Topic: Helping a married child with first home
Replies: 56
Views: 4076

Re: Helping a married child with first home

I think what would be needed would be some sort of post-nuptial agreement between your daughter and her husband. Let's say house is $1 million. You give $300,000 to the daughter for downpayment, etc. The post-nuptial agreement would say something along the lines of, upon divorce, the family home's ...

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