Search found 263 matches

by Goal33
Fri Apr 28, 2017 12:51 am
Forum: Investing - Theory, News & General
Topic: Is not Tax Harvesting usually a wasted opportunity?
Replies: 17
Views: 1622

Re: Is not Tax Harvesting usually a wasted opportunity?

AgentHoopla wrote:Here is the million dollar question.

When do you tax loss harvest?


I invest in chunks of 10k, I TLH when the 10k becomes 9500.
by Goal33
Thu Apr 27, 2017 11:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard adviser - advice when not carrying a mortgage into retirement
Replies: 26
Views: 1613

Re: Vanguard adviser - advice when not carrying a mortgage into retirement

I max out my 401k but still get these great emails from my 401k provider that I should contribute even more :)
by Goal33
Thu Apr 27, 2017 10:34 pm
Forum: Personal Consumer Issues
Topic: Home Warranty
Replies: 10
Views: 551

Home Warranty

I have a home warranty through Fidelity National Home Warranty. It was provided by the seller last year when I bought my townhouse. I am definitely not interested in renewing it. I hate working with these types of companies and would rather pay full price for a repair myself than work with one of th...
by Goal33
Wed Apr 26, 2017 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance student loan to Earnest?
Replies: 20
Views: 826

Re: Refinance student loan to Earnest?

I'd just put that amount on 0% interest credit cards. Barclay just offered me one at 1% transfer fee. Chase has offered me a bunch at 2%.
by Goal33
Tue Apr 25, 2017 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: $1m capital gains, worth it to simplify and index?
Replies: 46
Views: 3660

Re: $1m capital gains, worth it to simplify and index?

If optimal situation is a three fund portfolio, why not make the first step a transfer of these assets to a non advisor account. That will automatically save you the 0.60%. You already know where you would like to end up, I don't know how paying an advisor fee would continue to be beneficial. After...
by Goal33
Sun Apr 23, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Laundry closet: Can we convert to stackable washer/dryer?
Replies: 6
Views: 619

Re: Laundry closet: Can we convert to stackable washer/dryer?

Maybe you could fit a stack-able in your guest bathroom, if you have one.
by Goal33
Sat Apr 22, 2017 11:28 pm
Forum: Investing - Theory, News & General
Topic: Crazy - but can a CFP get paid on their own assets?
Replies: 6
Views: 974

Re: Crazy - but can a CFP get paid on their own assets?

No because they are using Vanguard index funds for their own investments.
by Goal33
Fri Apr 21, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: Comcast negotiations
Replies: 58
Views: 5965

Re: Comcast negotiations

I don't waste my time trying to negotiating or threatening to cancel. I just cancel and then re-subscribe under my fiancé's name. Then I cancel and re-subscribe under my name... Doesn't this require you to return all equipment and then receive and re-initialize all equipment again? Then you have to...
by Goal33
Fri Apr 21, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Comcast negotiations
Replies: 58
Views: 5965

Re: Comcast negotiations

I don't waste my time trying to negotiating or threatening to cancel. I just cancel and then re-subscribe under my fiancé's name. Then I cancel and re-subscribe under my name...
by Goal33
Thu Apr 20, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Max out 401K OR Pay off Federal Student Loan
Replies: 11
Views: 1098

Re: Max out 401K OR Pay off Federal Student Loan

If you're living rent free you should be able to do both, but I'd go for the 401k and roth personally.
by Goal33
Wed Apr 19, 2017 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Refinance to 15 Yr Mortgage
Replies: 12
Views: 1456

Re: Refinance to 15 Yr Mortgage

Take a slightly higher rate and don't do the closing costs.
by Goal33
Tue Apr 18, 2017 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Real estate dilemma -- sell it or fix and rent?
Replies: 9
Views: 1057

Re: Real estate dilemma -- sell it or fix and rent?

Not worth the risk to take on the repairs. Sell
by Goal33
Sun Apr 16, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: 'True' Cost Of A More Expensive House
Replies: 22
Views: 3743

Re: 'True' Cost Of A More Expensive House

How much more valuable will the more valuable house be in 30 years? How much more in deductions will you get on the more valuable house (which reduces the cost difference)?
by Goal33
Sun Apr 16, 2017 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Why would anyone want to buy bond funds?
Replies: 92
Views: 9126

Re: Why would anyone want to buy bond funds?

Why did Wells Fargo loan me 500k at 3.5%?
by Goal33
Sun Apr 16, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Is spending 15K to furnish home too much?
Replies: 39
Views: 4431

Re: Is spending 15K to furnish home too much?

I got a table that was thousands of dollars originally for $100 bucks. Guy was selling his 2 million dollar house for a 3 million dollar house and liquidating his "old" furniture. Got all my furniture like this. Only thing I paid retail price was for a mattress and bedframe. I wanted the b...
by Goal33
Wed Apr 12, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Keep old yet reliable used car or buy new
Replies: 28
Views: 1761

Re: Keep old yet reliable used car or buy new

My dad had the same decision to make and he loves his BMW. Against everybody's advise to just buy a new car instead of fixing his old BMW, he decided to just fix it. Turns out he made a good choice because he's super happy and only spent a few hundred instead of buying a new car he wouldn't enjoy as...
by Goal33
Mon Apr 10, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Question (buying a new home before selling current one)
Replies: 21
Views: 1674

Re: Mortgage Question (buying a new home before selling current one)

What is unclear to me from your post is whether you ultimately want a 400k loan (20% down), or whether you want a 100k loan (20% down, and then 300k from the sale of your current home).
by Goal33
Fri Apr 07, 2017 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Telling Family About Daughters 529 For Gifts
Replies: 52
Views: 3488

Re: Telling Family About Daughters 529 For Gifts

When I was a little kid, about 3 or 4, I was always upset with bonds given to me by family because of the tax inefficiency. I preferred non-dividend paying growth stocks.
by Goal33
Thu Apr 06, 2017 10:38 am
Forum: Investing - Help with Personal Investments
Topic: best place to keep $20k for 2 years
Replies: 20
Views: 2222

Re: best place to keep $20k for 2 years

Just keep it as an extra car for yourself for 2 years. Too much trouble otherwise.
by Goal33
Sun Apr 02, 2017 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Young-ish bogleheads: How much (if any) social security do you expect in retirement?
Replies: 88
Views: 4261

Re: Young-ish bogleheads: How much (if any) social security do you expect in retirement?

I'm 25. I plan for 79% per the expected payout once SS trust fund runs out of money.

Well, I take that back. At my age I am actually not making any plans. Just saving as much as I can. Will plan more when the picture is clearer.
by Goal33
Tue Mar 28, 2017 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter maxed out credit cards, needs help from me
Replies: 92
Views: 4696

Re: Daughter maxed out credit cards, needs help from me

I wouldn't help and call the cost of interest tuition. Maybe she can take a loan from a bank or p2p website at 10%. You should help her see if she's eligible for a loan.
by Goal33
Mon Mar 27, 2017 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Another house buying decision thread
Replies: 4
Views: 472

Re: Another house buying decision thread

As soon as I saw your bullet point #1 about noise, nothing else matters. I bought in a really quiet town-home community, but hearing the doors close from the guest parking is enough to seriously disrupt my comfort. I'm sad because I love everything else about the community. I will be moving as soon ...
by Goal33
Sun Mar 26, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Girlfriend
Replies: 86
Views: 7229

Re: Massive Student Loan Debt - Girlfriend

It's a valid problem. I don't know details but make sure if you get married it's not based on your income... and if it is, maybe wait to get married?
by Goal33
Sun Mar 26, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Ever apply a competitor and have word get back to your employer?
Replies: 29
Views: 3048

Re: Ever apply a competitor and have word get back to your employer?

I told my boss I was unhappy with the pay increase associated with my promotion. He said that's all they have budget for. I told him I would be interviewing elsewhere. I got 10k more within 24 hours :P
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: 34
Views: 2975

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: 1182

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: 775

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: 3391

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: 3391

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: 2930

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: 19
Views: 1514

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: 775

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: 2628

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: 3576

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: 5961

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: 571

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: 5299

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: 2187

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: 335

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: 3690

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: 3577

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: 2471

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: 2195

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: 4085

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: 758

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: 758

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: 2543

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: 4361

Re: What to do with daughter's $100

She should use it as a security deposit on her own apartment.

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