Search found 387 matches

by chabil
Sat Oct 07, 2017 10:02 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7445

Re: Do you want your receipt?

I always demand a receipt and check them against the monthly statement. How else can you check for fraud accurately? Exactly! I'm shocked anyone would say no. I guess they just pay whatever the cc statement says or the minimum. I say no for small purchases, under 10 bucks, particularly groceries, c...
by chabil
Sat Sep 30, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Luggage locks
Replies: 15
Views: 1060

Re: Luggage locks

harrychan wrote:
Sat Sep 30, 2017 12:07 pm
I use zip ties and I tie them tight. If they want to cut them off, be my guest.
do you carry scissors to cut them with you in your carry on? are they allowed?
by chabil
Sat Sep 30, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Boglehead Investing Simplicity Leading to Simplifying Life?
Replies: 21
Views: 2032

Re: Boglehead Investing Simplicity Leading to Simplifying Life?

On the same note of keeping it simple we decided to do our own will as our Vanguard investments and our current house are our only assets and no complicated family relationships, two kids and everything will be divided evenly. We have no trusts, and established POD wherever possible. Now my son is g...
by chabil
Sat Sep 30, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Luggage locks
Replies: 15
Views: 1060

Re: Luggage locks

OK, good to know pretty much everyone is doing what I am doing. Good to know also that I am not the only one who gets a love note in my suitcase from security every single time. My husband who travels with me never does.But for some reason he gets searched at security more often than I do. Lately ho...
by chabil
Fri Sep 29, 2017 4:46 pm
Forum: Personal Consumer Issues
Topic: Boglehead Investing Simplicity Leading to Simplifying Life?
Replies: 21
Views: 2032

Re: Boglehead Investing Simplicity Leading to Simplifying Life?

I've even condensed my home workout to four bodyweight exercises (pushups, pull-ups, squats, & planks). Yes, me too! In good weather I simply put on a pod cast and walk 3-4 miles, come home and do some weights, stretches, a few Yoga poses. At the gym I do the bike for 20mts, weights for upper body,...
by chabil
Fri Sep 29, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Luggage locks
Replies: 15
Views: 1060

Luggage locks

I usually never lock my suitcase when we travel by air. I had one CD stolen so far and that was in a foreign country. We will be travelling to Africa soon and I want to get a lock. The reason I don't lock is that one time I got one it was broken by security anyway. The other time when I got security...
by chabil
Fri Sep 29, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Boglehead Investing Simplicity Leading to Simplifying Life?
Replies: 21
Views: 2032

Re: Boglehead Investing Simplicity Leading to Simplifying Life?

I cleaned up and solidified all our investments (except for one bond fund) into vanguard. Within Vanguard again weeded out unnecessary funds, wrong funds for the asset class, and reduced the number of funds we hold, selling them and setting off cap gains with TLH. I feel very good about this and now...
by chabil
Thu Sep 28, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Impact of Tax Reform plan on Retirees
Replies: 3
Views: 515

Impact of Tax Reform plan on Retirees

How would retirees who have hefty RMD fare in the new tax plan? That and investment income, SS and Pension, all of which are ordinary income, puts us at a pretty high, not the highest, tax bracket. Often we pay AMT. We live in MA and our major deduction is property and state tax, charity. All this w...
by chabil
Fri Sep 15, 2017 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47156

Re: Equifax customer information leak

I am so confused I am doing nothing. Yesterday I did the creditIDsecurity something yesterday on my account and got confirmation. I logged on and checked my credit report. Not affected. This morning i read it was those customers who had the service that get hacked.
by chabil
Thu Sep 14, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: Do you pay for yardwork?
Replies: 71
Views: 8042

Re: Do you pay for yardwork?

Bumping this up. We pay for yard work. My husband does the weed and feed because this year our yard service dropped that part and only cut, trim, and blow. I trim bushes, branches that I can reach (5/2, my husband not much taller) and he cleans up. He is also lax now about edging and trimming around...
by chabil
Mon Aug 28, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Birding trip to Mexico
Replies: 1
Views: 341

Birding trip to Mexico

Has anyone use a travel group to Mexico for birding? I am looking at a tour by Road Scholars to Yucatan that looks interesting. https://www.roadscholar.org/find-an-adventure/3713/birding-the-mayan-ruins-of-the-yucatan-from-the-caribbean-to-palenque Any information, experience in the areas described?...
by chabil
Thu Aug 24, 2017 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Financial Plan Puzzle
Replies: 8
Views: 1289

Re: Vanguard Financial Plan Puzzle

Here are the recommended stock funds. This is in the context of a 50-50 portfolio. I understand that the VTSAX by its very nature contains the various cap level companies. If we neglect VEXAX for the moment, it must be correct that this is a simple "buy the market" strategy, and that we are not mes...
by chabil
Thu Aug 24, 2017 10:04 am
Forum: Investing - Help with Personal Investments
Topic: What do you do with RMD money you don't need?
Replies: 51
Views: 4245

Re: What do you do with RMD money you don't need?

What does that have to do with RMD's? Any money you don't need can be spent. The question is how do you know you don't need that money. It certainly isn't because it is an RMD. The hidden error that seems to be in the OP is that an RMD is somehow "free money" and can be spent whether it is needed o...
by chabil
Wed Aug 23, 2017 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: What do you do with RMD money you don't need?
Replies: 51
Views: 4245

Re: What do you do with RMD money you don't need?

After the initial shock at the amount of taxes we were paying due to the RMD we have now become accustomed to viewing the RMD net of taxes and deal with it. After living a careful life all these years it takes some doing to spend for joy.This year we are taking the family with grand kids for an Afri...
by chabil
Tue Aug 22, 2017 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiaries/TOD for Vanguard Joint Account
Replies: 29
Views: 2754

Re: Beneficiaries/TOD for Vanguard Joint Account

I just checked our joint taxable account, and I have "primary" beneficiary (wife), and "secondary" beneficiaies ( our daughters). Not sure why you can't set it up. Vanguard does state you don't need beneficiaries for joint account, but I have them. Very odd. Broken Man 1999 After posting here I wen...
by chabil
Tue Aug 22, 2017 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiaries/TOD for Vanguard Joint Account
Replies: 29
Views: 2754

Re: Beneficiaries/TOD for Vanguard Joint Account

All our accounts are with Vanguard and all our Vanguard taxable accounts are in my name.We did this when we realized you cannot do TOD and it seemed simpler than doing a trust. We are also 12 years apart, he is older. If he survives me he will inherit outside of probate. If we both die it will be pa...
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: 52
Views: 4078

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: 6405

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: 2260

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: 2571

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: 2571

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 - for me...
by chabil
Mon Jul 31, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Buying a 2017 Lexus ES 350
Replies: 26
Views: 2571

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? :shock: We have a ...
by chabil
Mon Jul 31, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: Buying a 2017 Lexus ES 350
Replies: 26
Views: 2571

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: 1673

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: 2260

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: 26576

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: 515

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: 2140

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: 515

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: 2140

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: 2780

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: 2598

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: 2598

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: 2598

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: 11821

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: 8635

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: 9987

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: 22129

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: 26576

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: 429

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: 429

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: 86
Views: 7900

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: 1102

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: 1102

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: 1102

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: 1102

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: 1185

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: 1185

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: 4332

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: 583

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...