Search found 109 matches

by bogglizer
Wed Feb 21, 2018 12:48 am
Forum: Investing - Help with Personal Investments
Topic: Priority of Investments in California?
Replies: 5
Views: 547

Re: Priority of Investments in California?

I don't know the right thing to do, but I am in exactly your position. I've been maxing out my HSA.
by bogglizer
Tue Feb 20, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Multiple Offer situation/should we pull our offer?
Replies: 28
Views: 1691

Re: Multiple Offer situation/should we pull our offer?

I do have one concern, we offered a fast 45 day close time period based on today’s date since the sellers are relocating for work. If we let this sit until Friday I would need to readjust the offer as there is a limit to how close in we can be and still get everything done. I've made an offer with ...
by bogglizer
Tue Feb 20, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Safe to file taxes now?
Replies: 17
Views: 1314

Re: Safe to file taxes now?

I did my taxes two weekends ago, but waited a week to see if any more forms wandered in. Filed last weekend. The Obamacare form showed up today, which I didn't need, but I guess some stuff is still showing up.
by bogglizer
Mon Feb 19, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: Is window replacement this expensive?
Replies: 27
Views: 2279

Re: Is window replacement this expensive?

As a price comparison, I am now having 8 windows replaced for $2,850. Some guy named Oscar is making them custom.
by bogglizer
Mon Feb 19, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: $12,000 Refrigerator? [Looking in $7k price range]
Replies: 46
Views: 5019

Re: $12,000 Refrigerator? [Looking in $7k price range]

I have found that a $100 fridge from Craigslist works fine. Plus $20 for the Uhaul pickup. House is valued at $1.4M. We can't all be rational all the time.
by bogglizer
Sat Feb 17, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Is there a way to send text messages on my computer?
Replies: 24
Views: 2492

Re: Is there a way to send text messages on my computer?

Every cell company has an email interface for sending test messages. See http://www.emailtextmessages.com/ for how. Once you send someone a text, I think they can reply.
by bogglizer
Sun Feb 04, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Cheapest funeral options
Replies: 40
Views: 3019

Re: Cheapest funeral options

Green burials can be very inexpensive, if cremation is not your thing. One example is Eloise Woods in Austin, TX.
by bogglizer
Mon Jan 22, 2018 9:56 am
Forum: Investing - Theory, News & General
Topic: "Why Simple Beats Complex"
Replies: 14
Views: 2511

Re: "Why Simple Beats Complex"

I recently switched from something very like the above to the standard BH three-fund portfolio. Just to simplify.
by bogglizer
Fri Jan 19, 2018 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing 403(b) TIAA Investments
Replies: 22
Views: 1150

Re: Choosing 403(b) TIAA Investments

I went for the LifeCycle fund to start off with. My logic was that during the early accumulation phase (first few years), the amount of money is too small to make much difference. Once I accumulate enough that the difference in fees are more than a few dollars a year, then I will re-think my allocat...
by bogglizer
Fri Jan 19, 2018 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: What will happen if everyone indexed?
Replies: 23
Views: 2351

Re: What will happen if everyone indexed?

... Ha! Except for market structure. I wrote about it in the middle of this post . PJW The market timing argument may not work as well as you think it does, since indexers are not required to actually buy and trade all stocks. They only are required to emulate their chosen index as close as possibl...
by bogglizer
Thu Jan 18, 2018 9:50 am
Forum: Investing - Help with Personal Investments
Topic: What will happen if everyone indexed?
Replies: 23
Views: 2351

Re: What will happen if everyone indexed?

Use some math. If no one indexes, then each dollar in the market as $1 of choice available in how it is to be invested. If 50% of the market is indexed, then the remaining 50% of the market has $1 shares that have $2's of choice available. If I, as a non-indexed investor, make a decision, it has twi...
by bogglizer
Sun Jan 14, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: where does one buy "health insurance" in the USA?
Replies: 17
Views: 1168

Re: where does one buy "health insurance" in the USA?

When ACA started, my whole family just went commando. Nothing bad happened. Now that there are no fines, that's a doubly-advantaged approach.
by bogglizer
Sun Dec 31, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Putting in a Word About Tea - brands, types, etc.
Replies: 85
Views: 8692

Re: Putting in a Word About Tea - brands, types, etc.

Kirkland Green Tea - Costco, have been happy with it, steep 30 seconds, shake matcha in it, drink up. :beer Grt2bOutdoors, http://www.thekitchn.com/how-to-brew-green-tea-cooking-lessons-from-the-kitchn-203091 Are you sure that you are brewing the green tea correctly? Typically, green and white tea ...
by bogglizer
Sat Dec 23, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone here purchased a home for cash (no mortgages)?
Replies: 39
Views: 3942

Re: Has anyone here purchased a home for cash (no mortgages)?

Where we live (near LA), it is almost impossible to purchase a home using a mortgage. Cash is king. Regardless, you should consider buying the house with cash, and if you want to invest the equity, get a mortgage after. Why link two events that don't require it? "almost impossible" is hyperbole: ab...
by bogglizer
Fri Dec 22, 2017 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone here purchased a home for cash (no mortgages)?
Replies: 39
Views: 3942

Re: Has anyone here purchased a home for cash (no mortgages)?

Where we live (near LA), it is almost impossible to purchase a home using a mortgage. Cash is king.

Regardless, you should consider buying the house with cash, and if you want to invest the equity, get a mortgage after. Why link two events that don't require it?
by bogglizer
Fri Dec 08, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 3953

Re: Please suggest a dry hands product

I use the hand creme from l'occitane. Comes is a big metal tube for just short of $30.
by bogglizer
Wed Nov 22, 2017 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Disadvantages of Grandparents Owning 529 Accounts
Replies: 5
Views: 990

Re: Disadvantages of Grandparents Owning 529 Accounts

Why would you want to 'fix' something to your advantage?
by bogglizer
Sat Nov 18, 2017 12:18 pm
Forum: Investing - Theory, News & General
Topic: Any of you trade just a little as a hobby?
Replies: 64
Views: 6239

Re: Any of you trade just a little as a hobby?

I used to play with options, because the lottery was too risky.
by bogglizer
Sun Nov 05, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: How do I select a good employment law attorney?
Replies: 46
Views: 2617

Re: How do I select a good labor-law attorney?

First contact the EEOC. They will tell you if you have a claim under the laws that they enforce. Then you can see an employment (note, not labor) lawyer to see if you might have complaints under other laws/regulations. What is the difference between a labor lawyer and an employment lawyer? BTW, I k...
by bogglizer
Sat Nov 04, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: GoDaddy - Any better options for website hosting?
Replies: 69
Views: 7132

Re: GoDaddy - Any better options for website hosting?

I am at HawkHost, and am quite happy with it. But I am willing to give an extremely negative review to Bluehost, which was a nightmare.
by bogglizer
Sat Nov 04, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Trade QUICKEN for Spreadsheet
Replies: 28
Views: 2189

Re: Trade QUICKEN for Spreadsheet

Try Gnucash. Does 95% of the same stuff, and it's free.
by bogglizer
Sat Oct 21, 2017 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with TIAA CREF funds?
Replies: 28
Views: 2050

Re: What to do with TIAA CREF funds?

I've been here. I rolled over to a Vanguard IRA.
by bogglizer
Tue Oct 17, 2017 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Help picking apart whole life insurance cash value
Replies: 39
Views: 2040

Re: Help picking apart whole life insurance cash value

The real reason to not take out a WL policy is that you should never invest in a financial product that you do not understand. If you have to come to the Bogleheads forum to ask people how WL policies work... I get where you're coming from, but please be careful: that sentiment is a double-edged sw...
by bogglizer
Tue Oct 17, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Help picking apart whole life insurance cash value
Replies: 39
Views: 2040

Re: Help picking apart whole life insurance cash value

My experience is that the only WL policies worth keeping are those that were taken out for children who have since grown up. These policies may not originally have been a good investment, but any money spent back when is now water under the bridge. The real reason to not take out a WL policy is that...
by bogglizer
Sun Oct 15, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life Cash Out question
Replies: 3
Views: 521

Re: Whole Life Cash Out question

Rarely, whole life policies are worth keeping, but if you can pay off student loans (in the USA, work of the devil), then that is a vastly better choice.
by bogglizer
Sun Oct 15, 2017 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Annuities - how does insurance company know you died?
Replies: 58
Views: 4462

Re: Annuities - how does insurance company know you died?

I'm sure there are many deaths where funeral directors do not get involved (drowning with no recovery, body donated to medical school, etc). Someone still has to report the death (including to SS) and its usually next of kin. My sister owns a green burial cemetery. Many of the burials have no funer...
by bogglizer
Sun Oct 15, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: [HSA vs. PPO (Preferred Provider Organization) - which to select?]
Replies: 3
Views: 332

Re: [HSA vs. PPO (Preferred Provider Organization) - which to select?]

The HSA route is wonderful if you are healthy. Triple tax advantaged. Pick that one. If you have a seriously sick family, other choices are usually better. I am lucky - my company's PPO has an HSA. I only like the PPO in that I don't have to bother with checking if a doctor is in-network. I am lazy ...
by bogglizer
Sun Oct 15, 2017 12:33 pm
Forum: Investing - Theory, News & General
Topic: Understanding What Makes Vanguard So Successful
Replies: 12
Views: 2158

Re: Understanding What Makes Vanguard So Successful

Northwestern Mutual is a investor-owned company like Vanguard, and so its whole life policies must be the lowest in the industry, and therefore a good deal. Am I missing something here by paralleling the argument for Vanguard? (Yes, this post is somewhat tongue in cheek.) I don't think that is an a...
by bogglizer
Sun Oct 15, 2017 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: So I did this...Capital One Money Market $200 bonus
Replies: 21
Views: 2876

Re: So I did this...Capital One Money Market $200 bonus

... Unfortunately right now I don't have the cash, and would have to borrow off of a HELOC. Does 100% certainty of return not justify the small short-term use of borrowed funds? Borrow enough extra that you have cash on hand to pay the minimum required HELOC payments, until you can take the money o...
by bogglizer
Sun Oct 15, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: So I did this...Capital One Money Market $200 bonus
Replies: 21
Views: 2876

Re: So I did this...Capital One Money Market $200 bonus

This one is, what, 12%/year? I have another offer on my desk that works out to 14%. I am considering doing that one and the Cap 1 as well. I did this before with Chase, and raked in $1200 (four family members), but don't recall the interest rate any longer. Unfortunately right now I don't have the c...
by bogglizer
Fri Oct 13, 2017 1:26 am
Forum: Investing - Theory, News & General
Topic: Understanding What Makes Vanguard So Successful
Replies: 12
Views: 2158

Re: Understanding What Makes Vanguard So Successful

Northwestern Mutual is a investor-owned company like Vanguard, and so its whole life policies must be the lowest in the industry, and therefore a good deal. Am I missing something here by paralleling the argument for Vanguard? (Yes, this post is somewhat tongue in cheek.)
by bogglizer
Sun Oct 08, 2017 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Tax basis after death of spouse
Replies: 7
Views: 1052

Re: Tax basis after death of spouse

Properties are in New Mexico, and held in a trust under NM law. One of those joint trusts people put all their stuff in to avoid probate. However, parents moved to Texas some years ago, and that is where the accountant lives as well.
by bogglizer
Sun Oct 08, 2017 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Tax basis after death of spouse
Replies: 7
Views: 1052

Tax basis after death of spouse

My parents own three condos as investments, products of a long series of 1031 exchanges. My mother recently died. My father used to be an estate lawyer, and has stated in the past that her death gives a stepped-up tax basis for the condos, and so he can sell them with small capital gains. His accoun...
by bogglizer
Fri Sep 29, 2017 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Health savings account
Replies: 7
Views: 919

Re: Health savings account

About five years ago I did an in-depth search for decent HSA company. I finally picked one and transfered my old HSA from a former employer. Turns out they sucked also. I ended up transferring back to the old HSA. I am sure that the HSA landscape is much different now, but my suggestion would be to ...
by bogglizer
Fri Sep 29, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: Boglehead Investing Simplicity Leading to Simplifying Life?
Replies: 21
Views: 2380

Re: Boglehead Investing Simplicity Leading to Simplifying Life?

I have converted all my 401(k)'s, 403(b)'s, and pensions into a single three-fund Vanguard IRA. Sold off the rentals. Donating non-liquid investments when the taxes make sense. Now working on junk around the house. Once the kid goes off to college, we will probably either radically downsize to a con...
by bogglizer
Wed Sep 27, 2017 10:55 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2069
Views: 1259352

Re: The Three-Fund Portfolio

May I ask what would be the suggested allocation of these three funds for a person who retires at age 63? Would you just do 33% each or go heavier on one fund? I balance to 33% each. Not because that ratio is better than any other, but because it is easy to rebalance. Every quarter I average the hi...
by bogglizer
Wed Sep 27, 2017 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: I inherited a life insurance policy that is upside down?
Replies: 21
Views: 2342

Re: I inherited a life insurance policy that is upside down?

Some policies have the option that the dividend can be used to pay premiums. For any policy that you had as a child, the dividends would far exceed premiums. Since this was not engaged or not available, the dividends were used to increase the value of the policy, while the premium was taken out as a...
by bogglizer
Mon Sep 25, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: Little "sawdust" piles on Hardwood Floors
Replies: 8
Views: 2190

Re: Little "sawdust" piles on Hardwood Floors

It might be cheaper to tent the house than replace the hardwood floor. Added benefit of killing any termites you may have.
by bogglizer
Sun Sep 24, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 9704

Re: Where do you get your news?

NPR on my drive to work. Apple News app during spare moments at work. Slashdot, Drudge Report, and Reuters online at home.
by bogglizer
Sat Sep 23, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Should I create LLC for new business?
Replies: 18
Views: 1592

Re: Should I create LLC for new business?

An LLC only protects your personal assets if the LLC is truly not run as a sole proprietorship. In other words, someone else has to hold stock. Not sure if it can be a spouse to get the protection. (warning: this may be state dependent.) This is based on a false premise. A Limited Liability Company...
by bogglizer
Sat Sep 23, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Should I create LLC for new business?
Replies: 18
Views: 1592

Re: Should I create LLC for new business?

An LLC only protects your personal assets if the LLC is truly not run as a sole proprietorship. In other words, someone else has to hold stock. Not sure if it can be a spouse to get the protection. (warning: this may be state dependent.)
by bogglizer
Wed Sep 20, 2017 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Help me calculate returns on Whole Life Policy - Keep it or cancel it?
Replies: 19
Views: 1754

Re: Help me calculate returns on Whole Life Policy - Keep it or cancel it?

If

( [cost of term insurance for 1 year] + [annual cash value increase] - premium ) / [cash value] > 3%

then it might be worth keeping. The 3% is a judgment call. You could pick a higher or lower number, depending on your take on what makes a worthwhile investment.
by bogglizer
Sun Sep 17, 2017 8:34 pm
Forum: Investing - Theory, News & General
Topic: The Difference Between Risk and Uncertainty
Replies: 41
Views: 3232

Re: The Difference Between Risk and Uncertainty

From a mathematical perspective, risk almost always includes the upside as well as the downside. This is because when only considering the downside, it is almost impossible to compute anything. Even unknown unknowns have probability distributions. These are, for example, the long tails of stock vola...
by bogglizer
Fri Sep 15, 2017 10:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 119
Views: 29518

Re: Vanguard's new security key option

Can't I fix the SMS back door by removing any cell numbers from my account?
by bogglizer
Fri Sep 15, 2017 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Should I dump (W)Hole Life Insurance and Variable Insurance
Replies: 14
Views: 1287

Re: Should I dump (W)Hole Life Insurance and Variable Insurance

WLI is an investment like any other, and its current return can be computed. If ( [cost of term insurance for 1 year] + [annual cash value increase] - premium ) / [cash value] > 3% then it might be worth keeping. The 3% is a judgment call. You could pick a higher or lower number, depending on your t...
by bogglizer
Tue Sep 12, 2017 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Potential downsides of placing a credit freeze?
Replies: 25
Views: 2634

Re: Potential downsides of placing a credit freeze?

We froze our credit back in around 2003 for around five years or so. I lost some of the paperwork, and it was a PITA to unfreeze when we decided to move. I bet the entire process is different now.
by bogglizer
Sat Sep 09, 2017 1:35 am
Forum: Investing - Help with Personal Investments
Topic: Help me evaluate my Whole Life Policy....
Replies: 8
Views: 1383

Re: Help me evaluate my Whole Life Policy....

Don't forget to add the value of the life insurance. The increase in value of the policy is the increase in cash value plus the equivalent insurance cost of term insurance.
by bogglizer
Wed Sep 06, 2017 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: What is the main purpose of holding your current job?
Replies: 66
Views: 6389

Re: What is the main purpose of holding your current job?

1. I design probes to places like Venus and the moons of Saturn. Telescopes that look deep into the universe. Why would I be doing anything else?
by bogglizer
Tue Sep 05, 2017 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: How do you track expenses ?
Replies: 58
Views: 4328

Re: How do you track expenses ?

Gnucash - it's free!
by bogglizer
Sat Sep 02, 2017 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Cash out whole life
Replies: 13
Views: 1784

Re: Cash out whole life

Despite the fact that Boglites here tend to bag on whole life policies, policies that my grandparents purchased for me as a young child are doing very well as investments. I also purchased one for my son when he was just born, and his policy is already doing well as an investment, now that he is 14....