Search found 49 matches

by bogglizer
Wed Jul 05, 2017 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: CA 529 or Vanguard 529?
Replies: 29
Views: 1707

Re: CA 529 or Vanguard 529?

As a resident of California, I moved my kid's 529 from Scholarshare to Vanguard to consolidate my finances a few years ago. And also because of a long-held personal dislike of TIAA-CREF.
by bogglizer
Wed Jul 05, 2017 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Grandparent Contribution to 529
Replies: 19
Views: 1605

Re: Grandparent Contribution to 529

Contributions in excess of the annual exclusion(s) are still not subject to any gift tax unless and until the lifetime exclusion is exceeded. I don't understand the lifetime exclusion. Does this mean that I needed to have kept track of all previous gifts from my parents, or only those in excess of ...
by bogglizer
Wed Jul 05, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Grandparent Contribution to 529
Replies: 19
Views: 1605

Re: Grandparent Contribution to 529

Steelersfan wrote:Check out if the state you or your child is living in make 529 contributions tax deductible. Some state so, some don't.


I am in California, a State of Suck in this regard.
by bogglizer
Wed Jul 05, 2017 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Grandparent Contribution to 529
Replies: 19
Views: 1605

Grandparent Contribution to 529

What is the maximum amount that my parents can contribute to my son's 529 (with me as the account owner) in one year, without causing a taxable event?
by bogglizer
Mon Jul 03, 2017 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance - is it worth it?
Replies: 156
Views: 9531

Re: Long term care insurance - is it worth it?

I recently went through this exercise, and decided not to buy LTCI because I was unable to decide if it was worth it. So, following the general principal that one should never invest in a security that one does not understand, I steered clear.
by bogglizer
Mon Jul 03, 2017 11:03 am
Forum: Investing - Help with Personal Investments
Topic: The conundrum I am in concerning need vs desire
Replies: 19
Views: 2199

Re: The conundrum I am in concerning need vs desire

Read up on Constant Proportion Portfolio Insurance (CPPI), a rebalancing technique. The general idea is to figure out your minimum required goals and assign a Net Present Value to them. The higher your current assets are above that number, the more risk you can take. The more risk you can take, the...
by bogglizer
Mon Jul 03, 2017 12:27 am
Forum: Investing - Help with Personal Investments
Topic: The conundrum I am in concerning need vs desire
Replies: 19
Views: 2199

Re: The conundrum I am in concerning need vs desire

Read up on Constant Proportion Portfolio Insurance (CPPI), a rebalancing technique. The general idea is to figure out your minimum required goals and assign a Net Present Value to them. The higher your current assets are above that number, the more risk you can take. The more risk you can take, the...
by bogglizer
Sun Jul 02, 2017 1:05 am
Forum: Investing - Theory, News & General
Topic: What is the “Natural Real Interest Rate”?
Replies: 28
Views: 2256

Re: What is the “Natural Real Interest Rate”?

You have a definition for a natural real interest rate, but not an existence proof. Just because it can be defined doesn't mean that it exists. There may be no such rate, because the ideal situation may not be possible under realistic conditions.
by bogglizer
Sun Jul 02, 2017 12:57 am
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 12807

Re: Bogleheads: you should be buying 10-year old cars

for the last 30 years, I've been following the headlined method of buying approximately 10 year old cars and keeping then for approximately 5 years. No complaints so far.
by bogglizer
Fri Jun 30, 2017 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move abroad to minimize health care costs?
Replies: 80
Views: 6112

Re: Should I move abroad to minimize health care costs?

I have a friend who has shared his retirement plan: work until 65, move to a cheap foreign country until 75, then move back to the USA and burn up all his saved retirement money (now compounded) on health care. Is this what you are considering?
by bogglizer
Sat Jun 24, 2017 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Two potential job offers and buying time - please help!
Replies: 13
Views: 1536

Re: Two potential job offers and buying time - please help!

It seems that every time I get an offer, I have another one pending. I have always kept all parties aware that I had alternative offers. This makes me look like a hot item that should be grabbed before it is gone. Otherwise the employers may dawdle, thinking I will wait. And I won't - I have always ...
by bogglizer
Sat Jun 24, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance?
Replies: 46
Views: 4042

Re: Long Term Care Insurance?

Some years ago I asked my insurance agent about LTCI. His take was that LTCI is for people who have otherwise saved enough money for their retirement, and are looking for something more to spend their cash on. He suggested buying the entire policy up front.
by bogglizer
Wed Jun 21, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: What do you say when you cancel an account that you only opened for bonus?
Replies: 64
Views: 4655

Re: What do you say when you cancel an account that you only opened for bonus?

Chase had a promotion that worked out to 20% interest per year for a checking account. I signed up myself and my wife, and 90 days later closed both accounts. When they asked why, I told them that it was revenge, on account of their freezing my HELOC.
by bogglizer
Tue Jun 20, 2017 9:11 am
Forum: Personal Consumer Issues
Topic: For Sale By Owner HOUSE- Advice Please
Replies: 26
Views: 3077

Re: For Sale By Owner HOUSE- Advice Please

I just did FSBO in California (closed Friday). I only used an escrow company.
by bogglizer
Fri Jun 16, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth moving for a better public high school?
Replies: 32
Views: 2282

Re: Is it worth moving for a better public high school?

We moved from a #2000 to a #500 last year. House prices were double. Prices of other things like groceries, gasoline, &c were significantly higher, like 50%. So you better really want this, whatever it is. Putting the difference away for college might be a better idea. We didn't care about that,...
by bogglizer
Thu Jun 15, 2017 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Would you take a 25% pay cut for more professional satisfaction?
Replies: 57
Views: 3682

Re: Would you take a 25% pay cut for more professional satisfaction?

I work for NASA designing missions to places like the moons of Saturn. I can't imagine a more professionally rewarding job. 25% more certainly wouldn't entice me.
by bogglizer
Tue Jun 13, 2017 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 12485

Re: Who takes financial chances and why is this forum so financially conservative?

IMHO, Bogleheads are mainly people who overvalue downside risk. "You could lose everything in a downturn, and spend the remainder of your days under a bridge eating cat food!" People who overvalue upside risk are buying lottery tickets and penny stocks as a retirement plan.
by bogglizer
Sun Jun 11, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: Best Way To Code A Text Parser
Replies: 27
Views: 1634

Re: Best Way To Code A Text Parser

I've been using lex/yacc (now flex/bison) for parsing for the last 35 years. Hasn't failed me yet. They have C++ interfaces, but I use the C interfaces from C++.

But, yeah, SNOBOL works too. Remember, it's called Unix 'cause it has no 'BOLs.
by bogglizer
Sun Jun 11, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: Does anybody else out there still pay for an email address?
Replies: 73
Views: 7094

Re: Does anybody else out there still pay for an email address?

Add me to the list of those who use Fastmail. [...snip...] The only concern is if they one day go out of business. I have my own domain which I have not yet made my primary email address. I need to finally make the switch to my domain name so that if something happens to Fastmail, I can take my ema...
by bogglizer
Sun Jun 11, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: Does anybody else out there still pay for an email address?
Replies: 73
Views: 7094

Re: Does anybody else out there still pay for an email address?

Yet another Fastmail user here. Very happy with it. I no longer use a separate calendar or address book tool, just their web interface and app.
by bogglizer
Thu Jun 08, 2017 9:07 am
Forum: Investing - Help with Personal Investments
Topic: HSA with HSA bank (my options?)
Replies: 41
Views: 2871

Re: HSA with HSA bank (my options?)

deltaneutral83 wrote:To the best of my knowledge I see no fees that HSABank hit me with for transferring from custodian # 1 into HSABank using the transfer or rollover option.


The fees are from the old HSA to transfer out.
by bogglizer
Wed Jun 07, 2017 9:27 am
Forum: Investing - Help with Personal Investments
Topic: HSA with HSA bank (my options?)
Replies: 41
Views: 2871

Re: HSA with HSA bank (my options?)

The best way to transfer money from one HSA to another without fees is to write a check. If you fill out their fancy forms, you will pay a transfer fee. Actually two checks, since there will be a slug of interest at the end, minus any monthly fee. Never used a notary for anything. I transfered my HS...
by bogglizer
Sun Jun 04, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Simple & Free Floor Plan Software
Replies: 4
Views: 379

Re: Simple & Free Floor Plan Software

I use an open source program called SweetHome3D. The actual point of this program is to let you figure out how to arrange furniture in a house, but it allows you to make a floor plan and see if furniture fits what you did. Then you can look at it in 3D and do a virtual walk through. It definitely is...
by bogglizer
Sun May 28, 2017 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Idea for Fun Money Account, Good, Bad or Ugly?
Replies: 32
Views: 1938

Re: Idea for Fun Money Account, Good, Bad or Ugly?

Over the years, my fun money account has been either small caps (silver mines, in particular) or playing in options, mostly covered calls on the small caps. I've given it up for other pursuits, though.
by bogglizer
Tue May 23, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: i am my own "guy," but not sure I should advertise that
Replies: 107
Views: 13932

Re: i am my own "guy," but not sure I should advertise that

Is it weird that I don't know anyone with a "guy?"
by bogglizer
Fri May 19, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: What are the powers of HR in a company?
Replies: 40
Views: 3300

Re: What are the powers of HR in a company?

I feel like a middle ground can be found between HR=Friends and HR=Enemy to be avoided at all costs. In almost any situation, HR is in a position to commit catastrophic damage to your career. The risk associated with not knowing the true motives of HR make for a bad addition to your portfolio, give...
by bogglizer
Sat May 06, 2017 11:57 pm
Forum: Investing - Help with Personal Investments
Topic: Life insurance as retirement policy
Replies: 22
Views: 2101

Re: Life insurance as retirement policy

Given that this is supposedly a life insurance policy, there should be a payout amount, which you didn't list. She could, in any given year, buy term insurance for some cost, depending on her age. This term cost should be built in to the life insurance scheme, and is probably that missing money you ...
by bogglizer
Fri Apr 07, 2017 12:25 am
Forum: Personal Finance (Not Investing)
Topic: HDHP's - Does your employer offer them?
Replies: 47
Views: 1986

Re: HDHP's - Does your employer offer them?

I would surmise that high deductible plans are only offered by companies that have a significant number of highly compensated ($120K+/yr) employees. Those employees are the main consumers of HSAs, for tax reasons.
by bogglizer
Fri Apr 07, 2017 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Calif Tax Refund Length of Time to Receive
Replies: 19
Views: 1248

Re: Calif Tax Refund Length of Time to Receive

I used TurboTax and requested the refund go directly into my bank account. A month later, I got a check in the mail.
by bogglizer
Tue Mar 07, 2017 8:05 pm
Forum: Investing - Theory, News & General
Topic: What degree of stock market decline would tempt you to deviate from your AA?
Replies: 87
Views: 6575

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

I rebalanced quarterly, even through 2008 and on. So I guess I am a stick-with-it sort.
by bogglizer
Tue Mar 07, 2017 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 176
Views: 16810

Re: How Much in Your Emergency Fund And Is It Used?

I keep $5K in the bank and a $100K home equity line of credit (HELOC). I never use use credit cards as a debt management tool.
by bogglizer
Sun Mar 05, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Describe your Reasonable Dream Home
Replies: 51
Views: 3730

Re: Describe your Reasonable Dream Home

Howl's Moving Castle. Has one door that opens in Banff, one door to a beach in Hawaii, one door to Paris, and one door into San Francisco. Oh, you said reasonable? Drat.
by bogglizer
Sun Feb 19, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Tax software for Mac
Replies: 3
Views: 358

Re: Tax software for Mac

You get one free state, and have to purchase the rest.
by bogglizer
Sun Feb 05, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: mattresses and alcohol (bourbon, scotch, whiskey)
Replies: 45
Views: 4592

Re: mattresses and alcohol (bourbon, scotch, whiskey)

I've heard that mattresses should be changed every N years. Our mattresses must be older than 50 years, may 60+. They work fine, but I've never spilled whiskey on them.
by bogglizer
Sun Feb 05, 2017 1:55 am
Forum: Personal Consumer Issues
Topic: Does anybody else out there still pay for an email address?
Replies: 73
Views: 7094

Re: Does anybody else out there still pay for an email address?

I pay for Fastmail (fastmail.com). Have a family plan, and my own domain. Well worth it. Fastmail doesn't scan my email like google and friends, and the prying eyes of the US gov't can't read my mail, since it is stored in Australia, which doesn't allow foreign spying on email. Not that my email is ...
by bogglizer
Sun Feb 05, 2017 1:50 am
Forum: Personal Consumer Issues
Topic: What bulk nuts do you buy and from where?
Replies: 26
Views: 2618

Re: What bulk nuts do you buy and from where?

Stay away from Sprouts cashews from the bulk bins. They are heavily soaked in peanut oil, and pretty much taste like peanuts.
by bogglizer
Thu Jan 05, 2017 9:38 pm
Forum: Investing - Theory, News & General
Topic: Skeptical of the hidden risk in Value - convince me
Replies: 37
Views: 2734

Re: Skeptical of the hidden risk in Value - convince me

I have always thought that it isn't that value stocks out-perform, but that growth stocks under-perform. The under-performance is because the evaluations are based on poorer quality estimates of future growth. In other words, growth stocks are not as close to the efficient frontier as value stocks, ...
by bogglizer
Thu Jan 05, 2017 9:13 pm
Forum: Personal Consumer Issues
Topic: Cookies that don't go away
Replies: 19
Views: 1844

Re: Cookies that don't go away

"Self-Destructing Cookies" is your friend. It is a firefox add-on that just deletes all cookies a few seconds after you navigate away from a page. So everything works while you are there, and nothing gets left behind unless you whitelist it.
by bogglizer
Thu Dec 22, 2016 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: HSA accounts
Replies: 9
Views: 1670

Re: HSA accounts

I went through researching various HSA's a few years ago and came to the conclusion that all of them are a mediocre deal, with steep fees and hidden expenses. I think this is because there are a lot of paperwork costs associated with HSA's. They are a better deal if your employer pays the fees. Even...
by bogglizer
Sun Dec 11, 2016 11:15 am
Forum: Investing - Help with Personal Investments
Topic: HSA Investment Portfolio
Replies: 5
Views: 886

Re: HSA Investment Portfolio

Fantastic. I'll start off with that.
by bogglizer
Sat Dec 10, 2016 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Investment Portfolio
Replies: 5
Views: 886

Re: HSA Investment Portfolio

I would like to consider this as separate from other investments. I do have $600K+ in a Vanguard IRA, and my employer contributes to a 401(k) without requiring a match.

My employer pays the fees. I just have to pay extra for decent funds.
by bogglizer
Sat Dec 10, 2016 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance without knowing income
Replies: 31
Views: 2891

Re: Health Insurance without knowing income

My solution for several years of self employment was to ditch Obamacare and go commando. It may sound odd that not knowing my income was a major factor in my decision, but it was. Worked out really well, though.
by bogglizer
Sat Dec 10, 2016 1:54 pm
Forum: Personal Consumer Issues
Topic: Men's Fashion - Best Bang for Buck
Replies: 79
Views: 8458

Re: Men's Fashion - Best Bang for Buck

I used to go to Nordstroms, but the quality has dropped. Now I mail order from PaulFredrick.com.
by bogglizer
Sat Dec 10, 2016 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Investment Portfolio
Replies: 5
Views: 886

HSA Investment Portfolio

I just started a new job that gives me access to an HSA at HealthEquity.com. I have transfered $3K from my previous HSA and am maxing out contributions, so am adding another $6K+ per year. I won't retire for at least another 12 years, and everyone in the family is in good health. Our pre-tax health ...
by bogglizer
Tue Sep 27, 2016 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Accounting question about equity
Replies: 10
Views: 895

Re: Accounting question about equity

Thanks, all. So the real answer is that real_equity = program_equity + assets - liabilities. (Sorry for calling it debt). I was confused by the two different equities.
by bogglizer
Mon Sep 26, 2016 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Accounting question about equity
Replies: 10
Views: 895

Accounting question about equity

I keep all my financial information in a double-entry accounting program (gnucash). There are five types of accounts: income, expense, debt, asset, and equity. I know that, when I first started accounting for everything, any assets or debts I held on day one were balanced by a matching entries in eq...
by bogglizer
Wed Aug 17, 2016 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Moving 401(k) to Vanguard IRA
Replies: 6
Views: 657

Re: Moving 401(k) to Vanguard IRA

There's the form I need. Fantastic! Whenever I called, the person said that I needed to talk to someone else, but there was a 30 minute wait.
by bogglizer
Tue Aug 16, 2016 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Moving 401(k) to Vanguard IRA
Replies: 6
Views: 657

Moving 401(k) to Vanguard IRA

I have a CREF 401(k) with a former employer that I want to roll over into my Vanguard IRA. I cannot for the life of me figure out how to do this from the Vanguard web pages, and every time I phone them, even on the Voyager Select number, I get someone clueless. Does anyone know what I do to make thi...

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