Search found 371 matches

by chabil
Wed Aug 09, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Do you plan to ditch your laptop in travel soon?
Replies: 54
Views: 3658

Re: Do you plan to ditch your laptop in travel soon?

I take my ipad and phone. Ipad is easier to read a an and iphone is small, a 6. I use the hotel to print boarding pass. sometimes it is a pain because Yahoo will not let you access if it does not recognize your location. then i ask the hotel to print it for me. I have a question about downloading yo...
by chabil
Wed Aug 09, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Time to leave our dentist??
Replies: 54
Views: 6034

Re: Time to leave our dentist??

My husband and I went to a dentist for several years until he retired. At one point he took on a partner, a younger guy. A few years later they moved into a swank office, with sculptures in the waiting room. My son who was in college was visiting us and when my husband took him in the younger dentis...
by chabil
Tue Aug 01, 2017 6:53 pm
Forum: Personal Consumer Issues
Topic: Sunroom Worth It?
Replies: 15
Views: 2169

Re: Sunroom Worth It?

Sunrooms are great. We converted a screened porch into one with vaulted ceiling and therma pane windows. It is great 9 months out of year and with auxiliary heat, 12 months out of year. You can install a heating and air conditioning unit so that it is heated/cooled space fairly inexpensively. Once ...
by chabil
Mon Jul 31, 2017 7:47 pm
Forum: Personal Consumer Issues
Topic: Buying a 2017 Lexus ES 350
Replies: 26
Views: 2436

Re: Buying a 2017 Lexus ES 350

sambb wrote:I love modern cars with all of the gadgets. i cant imagine driving a 1998 lexus. I would modernize if you can afford it.

Which aspects do you like?
by chabil
Mon Jul 31, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: Buying a 2017 Lexus ES 350
Replies: 26
Views: 2436

Re: Buying a 2017 Lexus ES 350

I have a 2013 ES 300H (hybrid version of the 350). I am a long way from needing a replacement, but I also have a 2015 Honda Accord. I am tall (6' 4") and find the Honda every bit as roomy as the ES. I also think the Honda has every gadget/feature the Lexus ES does, and drives just a nicely - f...
by chabil
Mon Jul 31, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Buying a 2017 Lexus ES 350
Replies: 26
Views: 2436

Re: Buying a 2017 Lexus ES 350

Why not move up to a 2012 or 13 ES with 25 or 30k miles? Or consider an LS that is older over a new ES. Avoid that huge depreciation hit from buying brand new. I have not sat in a 2017 ES. I have read that belt tightening is occurring in the ES model. No leather seats in a Lexus? We have a 2001 LS ...
by chabil
Mon Jul 31, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: Buying a 2017 Lexus ES 350
Replies: 26
Views: 2436

Buying a 2017 Lexus ES 350

We own 2 Lexus ES 350. Mine is a 2005 and the other is 1998. Yes, old. My husband's has about 150k miles, mine is 98999. The older one is beautiful inside and out, sleek and stylish inside, the pearl white finish is still blemish free, and drives like a dream. Mine is fine, has a more sluggish drive...
by chabil
Sun Jul 30, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: What kind of cleaning service do you use?
Replies: 15
Views: 1576

Re: What kind of cleaning service do you use?

My experience with cleaning service has not been good. I prefer individuals. Our house is 3000 SF including a large sunroom which gets cleaned only 7 or 8 months. We are 2 people and get cleaned every other week. She spends 2.5 hours, brings her own supplies. I pay her 70 and an extra 70 for the hol...
by chabil
Sun Jul 30, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: Sunroom Worth It?
Replies: 15
Views: 2169

Re: Sunroom Worth It?

We love it. We expanded an existing porch to twice the size with cathedral ceiling and all around Windows. So worth it. We use from April to sometimes even to Dec on warm days with a space heater.
by chabil
Sun Jul 30, 2017 8:49 pm
Forum: Investing - Theory, News & General
Topic: Illusion of poverty/wealth
Replies: 166
Views: 25917

Re: Illusion of poverty/wealth

I believed the myth that ones taxation would be lower in retirement. Can you elaborate on this statement more? Are you being taxed more in retirement than while you were working? Do you have large amounts of passive income? Do you wish you had placed more of your retirement savings into a ROTH 401k...
by chabil
Thu Jul 27, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Home Maintenance - windows
Replies: 4
Views: 500

Re: Home Maintenance - windows

Hi Rupert, The one carpenter we hired for another work looked at the window and came up with a makeshift fix and did not know how to actually repair the problem, the interior mechanics. Googling double-hung window repair mostly returns tons of replacement installations. How would you go about gettin...
by chabil
Thu Jul 27, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Routine maintenance recommendations to prevent future costly repairs
Replies: 21
Views: 2011

Re: Routine maintenance recommendations to prevent future costly repairs

Thank you, np81. Do I look for concrete sealant? Like Valspar?
by chabil
Thu Jul 27, 2017 8:40 am
Forum: Personal Consumer Issues
Topic: Home Maintenance - windows
Replies: 4
Views: 500

Home Maintenance - windows

Our house was built in 1980 and we have double hung wood windows. Stained. My husband thinks they are fine we need no replacement. We have had a house audit done which checks for leaks and our windows passed. There is a draft in the winter and we make some amendments, draw the drapes, and keep temp ...
by chabil
Thu Jul 27, 2017 8:21 am
Forum: Personal Consumer Issues
Topic: Routine maintenance recommendations to prevent future costly repairs
Replies: 21
Views: 2011

Re: Routine maintenance recommendations to prevent future costly repairs

Here's one that most people I know don't follow: re-seal your concrete (patio, especially) every 2-4 years. That'll go a long way towards keeping the concrete free of stains, mold, etc. It'll also help reduce flaking and minor cracks. How do you re-seal? Product, method, cost, time and labor please...
by chabil
Mon Jul 17, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: How Much Would You Spend on a Blender?
Replies: 43
Views: 2509

Re: How Much Would You Spend on a Blender?

I use my Osterizer almost everyday. It is indispensable for many kinds of Indian food. So I use it for grinding soaked grains and rice into a smooth batter. This takes some doing but the results are great. I use the mini blender that comes with it to grind coconut (scraped from a fresh coconut) to m...
by chabil
Sun Jun 25, 2017 3:00 pm
Forum: Investing - Theory, News & General
Topic: Avoid taking Dividends?
Replies: 21
Views: 2378

Re: Avoid taking Dividends?

Also, I can't imagine having 200k in losses. Easy for investors for taxable accounts in 2008-2009. One doesn't need to be in a high tax bracket either. The same people who contemplate tax-gain harvesting in a low tax bracket can benefit by not buying the dividend if they have carryover losses and w...
by chabil
Mon Jun 19, 2017 12:37 pm
Forum: Investing - Theory, News & General
Topic: Avoid taking Dividends?
Replies: 21
Views: 2378

Re: Avoid taking Dividends?

Thank you, Livesoft. We are in the exact tax situation you describe. I need to look into this and understand the whole link of TLH to avoiding dividend strategy. And then explain to my husband so he doesn't go into shock when I tell him we are going to avoid taking dividends, and that is a GOOD thing.
by chabil
Mon Jun 19, 2017 12:15 pm
Forum: Investing - Theory, News & General
Topic: Avoid taking Dividends?
Replies: 21
Views: 2378

Avoid taking Dividends?

Livesoft: A consequence is that the mutual fund shareholder received the information too late to make an informed decision about avoiding the dividend. The ETF shareholder can sell the ETF shares and buy the mutual fund shares on Monday 6/13 and avoid the dividend. ... Bonus comment: Folks who tax-l...
by chabil
Sun May 21, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Question for you high net worth individuals... [real estate investments]
Replies: 82
Views: 11246

Re: Question for you high net worth individuals...

zero, not counting the value of our house.
wish there was a poll to know what percentage hold real estate as income.
by chabil
Mon May 08, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy cars?
Replies: 71
Views: 8219

Re: How do Bogleheads buy cars?

We avoid sedans as their styling tends to age more quickly than, say, an SUV. My wife is looking to replace her car. I commented on one of the models she is considering - "the grill looks a little weird, don't you think?" Reply: "What do I care? I'm going to be on the inside." I...
by chabil
Sun Apr 30, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with regret
Replies: 102
Views: 9609

Re: Dealing with regret

Plan to work a few more years than you did before retiring. Invest time and energy in your career and make it rewarding and satisfying for the long run. Be frugal but don't punish yourself. Develop interests outside of work and get yours self into it deeply. Let go of the illusion that everything is...
by chabil
Wed Apr 26, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 170
Views: 21448

Re: Any regrets living a frugal life for high income/high networth individuals?

My husband retired at 74. He retired when he no longer enjoyed his work and until then he was the happiest man I knew who got up early and took the commute to work everyday. He was always afraid of lay-offs having worked a for a company that was famous for that. Consequently we invested to max on 40...
by chabil
Mon Mar 27, 2017 4:30 pm
Forum: Investing - Theory, News & General
Topic: Illusion of poverty/wealth
Replies: 166
Views: 25917

Illusion of poverty/wealth

https://www.wsj.com/articles/would-you- ... 1490582208

An easy formula for projecting monthly income from net worth.
by chabil
Sun Mar 19, 2017 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: TLH and effect on MAGI
Replies: 4
Views: 417

Re: TLH and effect on MAGI

Let me restate my question. After setting the Cap Loss against all Cap gains I end up with net loss (carried over) and reduced AGI What I am wondering is what effect this has on the Medicare insurance we pay via Social Security. Do they (whoever calculates these things) ADD BACK the cap gains as inc...
by chabil
Sun Mar 19, 2017 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: TLH and effect on MAGI
Replies: 4
Views: 417

TLH and effect on MAGI

We are retired and in the 25% tax bracket. I have also been doing some TLH and using it to weed out the taxable account of some tax-inefficient funds, such as REITs and other Bond funds that should not have been there in the first place (pre-Boglehead days ) and incur capital gains.In addition we al...
by chabil
Wed Mar 01, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Lousy Customer Service
Replies: 84
Views: 7108

Re: Vanguard Lousy Customer Service

Has anyone contacted Vanguard execs about this before? We do the MRW (minimum required withdrawal) from my husband's IRA every year in December. Our instruction to our rep. this year was to withdraw the RMW, withhold 30% in Federal and 10% in state tax, do one conversion to Roth and invest the bala...
by chabil
Wed Feb 22, 2017 7:06 pm
Forum: Investing - Theory, News & General
Topic: How efficiently are my investments working?
Replies: 15
Views: 1065

Re: How efficiently are my investments working?

livesoft wrote:I don't even know what "efficiently working" means in this situation.


Are they yielding a decent return for 60:40 portfolio of equity:bonds? how do i draw a number that I can use to compare?
What other information do I need?
by chabil
Wed Feb 22, 2017 7:04 pm
Forum: Investing - Theory, News & General
Topic: How efficiently are my investments working?
Replies: 15
Views: 1065

Re: How efficiently are my investments working?

You say all earnings are reinvested, but then say income is $25,000. Are you referring to $25,000 in dividends that were reinvested? yes What are you invested in? All vanguard funds, 60 equity, 40 bond funds $5,000 would have little impact on the time weighted return. Read up on money weighted vs. ...
by chabil
Wed Feb 22, 2017 7:03 pm
Forum: Investing - Theory, News & General
Topic: How efficiently are my investments working?
Replies: 15
Views: 1065

Re: How efficiently are my investments working?

invst65 wrote:The only information I can draw is that you had one hell of a ROI for one year if I'm reading your numbers correctly.

Do tell us what you were invested in.

:mrgreen: this is an imaginary scenario. i am not putting my real numbers.
by chabil
Wed Feb 22, 2017 6:35 pm
Forum: Investing - Theory, News & General
Topic: How efficiently are my investments working?
Replies: 15
Views: 1065

How efficiently are my investments working?

I have some numbers but not sure how they fit in to answer my question. So here is a scenario. On Jan 1, 2016 I start out with portfolio value of 1 million On Dec 31 2016 it is at 1.6 million All earning are reinvested into the same funds. No other fresh money goes into the portfolio. Total income f...
by chabil
Mon Feb 20, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting dividends and cap gains in taxable account
Replies: 10
Views: 1148

Re: Reinvesting dividends and cap gains in taxable account

The tax lots are not a problem. if you click on the cost basis tab it lists all your shares and each purchase and you can choose to sell the lots you want.
by chabil
Mon Feb 20, 2017 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting dividends and cap gains in taxable account
Replies: 10
Views: 1148

Re: Reinvesting dividends and cap gains in taxable account

I have a taxable account, but I am not contributing to it. I have FTSE All World ex-US index fund and Intermediate Term Tax Exempt. The former is intended to only be used for retirement and thus no shares to be sold for decades, barring a very large emergency. The latter is a second tier to my emer...
by chabil
Mon Feb 20, 2017 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Faith in Vanguard shaken after seeing wrong name on my 1099 & Statements
Replies: 28
Views: 4202

Re: Faith in Vanguard shaken after seeing wrong name on my 1099 & Statements

Just another customer experience, but not to minimize Jane's problem which is pretty scary. I once had a customer rep. who was truly awful, in the sense of incompetent. After a few attempts to rectify the situation I wrote to the director of customer service. I was immediately assigned a new rep. wh...
by chabil
Fri Feb 17, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax 2016 DELUXE with Schedule D - changes?
Replies: 4
Views: 560

Re: TurboTax 2016 DELUXE with Schedule D - changes?

Thank you for the responses. It is reassuring to know that others have found nothing wrong. We had over withheld for taxes last year and decided to withhold less this year. but right now the way the counter is going is alarming me but i will wait until i finish entering all the data. When I download...
by chabil
Fri Feb 17, 2017 8:49 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax 2016 DELUXE with Schedule D - changes?
Replies: 4
Views: 560

TurboTax 2016 DELUXE with Schedule D - changes?

We are both retired. Our income from all the usual sources are about the same as last year. I have the downloaded version and just started working on it. The taxes we owe I see in the counter is stressing me out. Our income from assets as well as the RMW have all been about the same as last year. We...
by chabil
Wed Feb 15, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Options to a Bose Wave Radio
Replies: 21
Views: 4822

Re: Options to a Bose Wave Radio

Bumping it up. I love my Bose Wave radio and I want another radio upstairs. I mostly listen to NPR and sometimes I like to listen to music, mostly FM but also want AM. But i would like something less pricey - around $100, that i can connect and play my songs and podcasts from my iphone, good sound q...
by chabil
Tue Feb 14, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: How & when to sell lots of a single stock with huge capital gains
Replies: 40
Views: 3266

Re: How & when to sell lots of a single stock with huge capital gains

whatever they do, best to sell BEFORE they retire. it get a lot more tricky then because of Medicare, RMW, etc
by chabil
Tue Feb 14, 2017 5:39 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 18344

Re: Why do you go to restaurants?

Pick better restaurants. If you eat in the right restaurants the food will be better than you can make and the service is icing on the cake. This. However more and more restaurant food is becoming a disappointment. They lack flavor and taste. Choosing a good place to eat is time consuming and it is...
by chabil
Wed Feb 01, 2017 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Portfolio With Tax Loss
Replies: 0
Views: 223

Rebalancing Portfolio With Tax Loss

We have a few tax-inefficient funds in our Taxable assets. Since becoming a Bogleheads I have been eliminating them gradually with the help of tax loss harvesting and exchanging them for Total Stk Mkt IX in the tax deferred assets. I will have cap.gains in each of these: Wellington 40,000 Wellesley ...
by chabil
Fri Jan 20, 2017 1:33 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 331
Views: 60435

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

We saved as much as we could. Spouse retired at 74. Always did our own finances and taxes. Moved everything into Vanguard indexex. One kid though public school, the other to Prep school to which he very much wanted to go and applied.. Paid for both their college education with no debts. We contribut...
by chabil
Wed Jan 11, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Keeping kitchen knives sharp
Replies: 54
Views: 4995

Re: Keeping kitchen knives sharp

Anyone have any tips for tools to easily keep kitchen knives sharp? Do those dinky little sharpeners that you just slide the knife through really work? Or do you need like a stone type tool that you slide the blade up and across? I'm not really up to snuff on my knife sharpening skills...but need t...
by chabil
Wed Jan 11, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: Anyone else having trouble with unrequested CVS auto-refills?
Replies: 55
Views: 3736

Re: Anyone else having trouble with unrequested CVS auto-refills?

I've never knowingly asked for auto-refill. They always ask me, I always say "no." Two days ago I got a robocall saying my prescription was due for refill, did I want to refill it? After doing a reality check and counting over thirty pills left of my ninety-day supply, I pressed "two...
by chabil
Wed Jan 11, 2017 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Selling Dividend Paying stocks
Replies: 1
Views: 359

Selling Dividend Paying stocks

I am transferring some stocks to my son (gift) which will be sold and put into his Roth.
I am bit confused as to what happens to the dividends in this case. Is there an optimum time to sell these stocks so those dividends pertaining to these shares are not lost?
Thank you.
by chabil
Thu Dec 29, 2016 1:16 pm
Forum: Investing - Theory, News & General
Topic: How many of you invest 100% at Vanguard?
Replies: 118
Views: 9130

Re: How many of you invest 100% at Vanguard?

All in Vanguard other than a Bond Fund in taxable account from my husband's employer savings plan since before he retired. We cannot move it without liquidating it but it is doing well so we have left it there. We are happy with this arrangement. One benefit is as a Flagship account we get a persona...
by chabil
Thu Dec 15, 2016 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on liquidating stock portfolio
Replies: 9
Views: 1010

Re: Advice on liquidating stock portfolio

chabil, I don't know exactly what my portfolio is at the moment, and won't until the post-divorce dust settles. I don't have any Medicare insurance because I have group insurance through my employer. I am not sure about the interplay between total income and taxes on the SS. My situation now is com...
by chabil
Thu Dec 15, 2016 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on liquidating stock portfolio
Replies: 9
Views: 1010

Re: Advice on liquidating stock portfolio

I don't know if you mentioned what percentage of your total portfolio are the stocks. Even if Cap gains are taxed at 15% the gains will count towards your total income which affects SS taxes and also Medicare insurance. We also have a bunch of stocks with very low cost basis. I have given them as gi...
by chabil
Thu Dec 08, 2016 6:25 pm
Forum: Personal Consumer Issues
Topic: Smartphone for a low techie
Replies: 18
Views: 1948

Re: Smartphone for a low techie

thank you everyone. i think i am going to get him an iphone 6S same as mine. i think he will love it.
by chabil
Sun Dec 04, 2016 5:03 pm
Forum: Personal Consumer Issues
Topic: Smartphone for a low techie
Replies: 18
Views: 1948

Smartphone for a low techie

I am looking for suggestions for a smart phone for my husband. We both always had flip phones on a legacy T-Mobile. we use it only when we travel, when out, and only to communicate with family and close friends. Our use is minimal, we are still land liners, and the land line number is the only one w...
by chabil
Fri Nov 18, 2016 5:54 pm
Forum: Personal Consumer Issues
Topic: Hardwood Floor - purchasing options
Replies: 25
Views: 3235

Re: Hardwood Floor - purchasing options

Thank you for all the responses. This will be in the family room and there is only 2 of use except when children and grandchildren visit. No pets. The garage opens into this room and so that area, which is not carpeted, gets stained summer and winter. This is the main reason I am getting hardwood fl...
by chabil
Mon Nov 14, 2016 3:25 pm
Forum: Personal Consumer Issues
Topic: Hardwood Floor - purchasing options
Replies: 25
Views: 3235

Hardwood Floor - purchasing options

I am considering replacing the carpet with wood for our family room and have it installed. I am a bit confused about where to start. I can go to Home Dept, pick what I like ( real wood, Oak, nailed down) and have them install it. Lumber Liquidators - wasn't there a problem with them a while ago? Do ...