Search found 216 matches

by dianna
Fri May 27, 2016 8:20 pm
Forum: Personal Consumer Issues
Topic: Car Seat for vacation car rental
Replies: 24
Views: 1321

Re: Car Seat for vacation car rental

Our child logs about 5-10,000 flight miles per year. Once we hit the right height/weight requirement, we opted for the Bubble Bum inflatable car seat which meets required standards in the US and Europe; can't beat the convenience and the price. While it may look a little bit wimpy on the website, it...
by dianna
Sun Apr 10, 2016 9:38 pm
Forum: Personal Consumer Issues
Topic: Need Super Epoxy / Glue / Adhesive for external stone to metal connection
Replies: 21
Views: 1525

Re: Need Super Epoxy / Glue / Adhesive for external stone to metal connection

So many good comments, thank you. We agree that having this be part of routine regular maintenance is a reasonable expectation given stone/metal discrepancies. We have had many contractors and masons come out to bid/advise and they haven't offered a heap of knowledge that has been significant, inclu...
by dianna
Fri Apr 08, 2016 8:36 am
Forum: Personal Consumer Issues
Topic: Need Super Epoxy / Glue / Adhesive for external stone to metal connection
Replies: 21
Views: 1525

Re: Need Super Epoxy / Glue / Adhesive for external stone to metal connection

I am so grateful for all of these thoughts and great suggestions. The capstone is fairly soft, so drilling into it causes us some concern that the stone would break. But we will check into the adhesive and engineering suggestions provided. Many thanks, and if you have more ideas, keep them coming! ~...
by dianna
Thu Apr 07, 2016 9:36 pm
Forum: Personal Consumer Issues
Topic: Need Super Epoxy / Glue / Adhesive for external stone to metal connection
Replies: 21
Views: 1525

Re: Need Super Epoxy / Glue / Adhesive for external stone to metal connection

Hi DTSC, Thank you for your response. You raise a very interesting solution, in which the toggle/screw itself is secured to the stone, with an aluminum channel to allow for expansion and contraction. While at first blush we'd be hesitant to drill into the stone overhang (for fear that it might crack...
by dianna
Thu Apr 07, 2016 8:51 pm
Forum: Personal Consumer Issues
Topic: Need Super Epoxy / Glue / Adhesive for external stone to metal connection
Replies: 21
Views: 1525

Need Super Epoxy / Glue / Adhesive for external stone to metal connection

Hi - We are DIYers with home repairs. We have a thin metal (aluminum) channel that runs beneath the slight shadow overhang on exterior stone walls. The channel holds lighting which is both aesthetically pleasing but also for security. For the past 5-7 years, we have tried many adhesives (caulk, epox...
by dianna
Wed Apr 06, 2016 11:21 pm
Forum: Investing - Theory, News & General
Topic: Are you planning to leave an "estate"?
Replies: 74
Views: 7820

Re: Are you planning to leave an "estate"?

It may not be popular here on BH, but we *have* been starting to "indulge" ourselves, and we are thoroughly enjoying it. For us, that means some luxury travel to those long dreamed of locations, and other experiences, not more "stuff". RM Oh, I am so relieved to hear this. Good ...
by dianna
Tue Mar 01, 2016 10:29 pm
Forum: Personal Consumer Issues
Topic: rowing boats
Replies: 46
Views: 4518

Re: rowing boats

I'd like to get a rowing boat myself but can't really justify the cost of $3-5k. There's a bunch of other things I enjoy on the water -- SUP, wind surfing, kayaking, wake boarding, wake surfing, water skiing, jet skiing, boating, swimming so don't think I'd use the rowing boat enough. But for the r...
by dianna
Sun Feb 28, 2016 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: A real doozy - The folks at Vanguard couldn't answer...
Replies: 9
Views: 2951

Re: A real doozy - The folks at Vanguard couldn't answer...

Excellent advice from many including sdcarrington. A few additions to sdcarrington's post below: I was in the exact same situation late last year, so I understand the struggle to make a sound decision. Here are my thoughts: 3. Max out your Traditional IRA contribution at the beginning of the tax yea...
by dianna
Thu Feb 25, 2016 10:26 pm
Forum: Personal Consumer Issues
Topic: Gardening 2016
Replies: 73
Views: 7397

Re: Gardening 2016

Q1. What are you doing to prepare or plan for your vegetable garden? Starting research for larger raised planter beds. Don't know whether to purchase or DIY. Beautiful area for a row of several of them with great sunlight. If anyone has suggestions on the raised planter beds they have purchased or m...
by dianna
Fri Feb 19, 2016 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Any Advantage to Exercising NQ Stock Options at a Loss?
Replies: 3
Views: 358

Any Advantage to Exercising NQ Stock Options at a Loss?

Background: Spouse has a set of Non-Qualified Stock Options (sometimes referred to as NQ or NSO) in a publicly traded company for which the final exercise date is September this year; holding period has been met and all shares are fully vested. Options priced at $32/share; stock currently trading in...
by dianna
Thu Feb 18, 2016 11:18 pm
Forum: Personal Consumer Issues
Topic: I do not know how to back up my computer
Replies: 72
Views: 5260

Re: I do not know how to back up my computer

Another option is to use a cloud-based solution, which is usually set to back up files automatically in the background. I have used CrashPlan for the last 3-4 years and have been very happy with the service. I pay a yearly fee to backup my entire family's computers (mix of PCs and Macs), and the se...
by dianna
Tue Dec 29, 2015 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: [What will you do differently in] 2016
Replies: 62
Views: 7285

Re: [What will you do differently in] 2016

not so much "differently" but "better": We already maximize tax-advantaged accounts (401k, self-employed 401k, backdoor Roth IRAs, 529s, HSAs, etc) but hope to improve upon topics like: • take greater advantage of the Mega Back-Door Roth (After-Tax contributions); we have done no...
by dianna
Sat Dec 12, 2015 12:14 am
Forum: Personal Consumer Issues
Topic: BMW current and past owners -- how was the reliability and would you buy another?
Replies: 89
Views: 8479

Re: BMW current and past owners -- how was the reliability and would you buy another?

Oh my, what to reply.... I own (first/only owner) a 2001 E46 325i, 95,000 miles, in very good condition. Although other posters are correct in that this car has high maintenance costs, it has been AWESOME to drive and own. Handling is bar-none. fit and finish has been great except for a few issues t...
by dianna
Wed Dec 09, 2015 2:34 pm
Forum: Forum Issues and Administration
Topic: Supporting the Operating Costs of the Forum
Replies: 42
Views: 7140

Re: Supporting the Operating Costs of the Forum

Bumping this thread for 2015 support.... For those of you making charitable contributions before the end of the year, please consider supporting this amazing and helpful Bogleheads Forum! https://www.bogleheads.org/support.php Wishing everyone a fabulous end of the year. May your dividends be foreve...
by dianna
Mon Nov 30, 2015 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 344
Views: 103376

Re: The Mega Backdoor Roth IRA

Providing of course that you have enough after tax money to do so - does everyone who does the megabackdoor Roth front load it when the new year starts? Seems like it would be less hassle to just divert all income (outside of the match) into after-tax right away. Less transfers, won't lose out if j...
by dianna
Fri Nov 06, 2015 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Question about HSA reimbursements
Replies: 13
Views: 1004

Re: Question about HSA reimbursements

Hi Morik, We have an H S A through HealthEquity and essentially have the same plan with scanned receipts; I also keep an Xcel file log of all eligible medical expenses so that I have a running calculation of how much I could withdraw (without penalty) in the event of a need. I did submit some of our...
by dianna
Wed Sep 16, 2015 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Life lessons: Making loans to friends. Insights? Revelations?
Replies: 191
Views: 20731

Re: Life lessons: Making loans to friends. Insights? Revelations?

We very very very rarely loan out money, and in all but one case if we do it's because we've made the decision that we probably will never see it again, and those are very small values, once in a blue moon, for what appears to be a decent reason, and then not again. However, we did do a loan one tim...
by dianna
Wed Sep 16, 2015 12:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 355
Views: 52399

Re: Roll Call for the Retirement Class of 2014!

Congratulations, indeed! I look forward to joining the ranks some year. I read the posts with a great smile on my face, looking forward to my own observations and adventures hopefully within the decade. Perhaps no sturgeon fishing for me, but alas, life is beautiful when you are doing what you want....
by dianna
Wed Jul 08, 2015 1:30 am
Forum: Investing - Help with Personal Investments
Topic: Thanks to Forum Administrators
Replies: 16
Views: 1903

Re: Thanks to Forum Administrators

simply the best and the greatest. thank you to all of the administrators and contributors. you have made millions for the rest of us (and hopefully yourself as well).

with immense gratitude,
dianna
by dianna
Sun May 03, 2015 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Calculators: Data input choices
Replies: 10
Views: 1179

Re: Retirement Calculators: Data input choices

First, a question for you (and others who respond): How old are you (at least approximately)? This affects the reasonability of assumptions about Social Security, and how seriously you should take projections from e.g. Firecalc. It's one thing to try to project 30 years into the future if you're ne...
by dianna
Fri May 01, 2015 6:29 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Calculators: Data input choices
Replies: 10
Views: 1179

Retirement Calculators: Data input choices

Hi - For those who have used retirement calculators, I'd appreciate some opinions on your data input selections. I've reviewed our portfolio on a number of calculators (for BH list, see http://www.bogleheads.org/wiki/Retirement_calculators_and_spending ). The one I've used most frequently is FireCal...
by dianna
Tue Apr 14, 2015 10:24 pm
Forum: Personal Consumer Issues
Topic: Input wanted from BMW owners
Replies: 44
Views: 5598

Re: Input wanted from BMW owners

Its a solid car and if it checked out before you bought it, it should be good for you. I would highly recommend seeking out an INDEPENDENT mechanic who specializes in BMWs. I went to the the BMW Club site for Hawaii, and they list several shops: http://bmwccahawaii.net/sponsors/ . Also, ask around ...
by dianna
Tue Apr 14, 2015 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Tax bill > anticipated; best strategies to fund?
Replies: 11
Views: 1330

Re: Tax bill > anticipated; best strategies to fund?

Update: Paying slightly more than amount that we anticipate owing to Fed+State 2014 final and 2015 estimates tomorrow, by check, by mail to buy a little bit of time. Filing an extension due to late incoming information needed to know exact values; thus i-401k can be fully funded over next 6 months. ...
by dianna
Mon Apr 13, 2015 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Tax bill > anticipated; best strategies to fund?
Replies: 11
Views: 1330

Re: Tax bill > anticipated; best strategies to fund?

Is the checking account the emergency fund or did you not list the emergency fund? If not listed and could be used, I would use that first assuming you can replete it expeditiously. If not, I think I lean toward the HELOC assuming you can pay it off quickly. Also, I assume you absolutely must fund ...
by dianna
Mon Apr 13, 2015 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Tax bill > anticipated; best strategies to fund?
Replies: 11
Views: 1330

Re: Tax bill > anticipated; best strategies to fund?

[quote="grabiner"]If you need money for a very short time (for example, waiting for transactions to settle), you can draw on the HELOC; the interest cost will be trivial if you pay back the amount drawn next month. Do you have bonds in your 401(k) or Roth IRA? If you do, then you could sel...
by dianna
Sun Apr 12, 2015 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Tax bill > anticipated; best strategies to fund?
Replies: 11
Views: 1330

Re: Tax bill > anticipated; best strategies to fund?

If you sell in taxable and then sell company stock to replenish it, you'll be realizing a lot more gains (assuming every position has gains). Why not just sell the company stock directly? To answer your question, I'd do f, c, a, in that order. Good point. All of what is in taxable is in index funds...
by dianna
Sun Apr 12, 2015 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Tax bill > anticipated; best strategies to fund?
Replies: 11
Views: 1330

Tax bill > anticipated; best strategies to fund?

Hi everyone, We are interested in opinions and the discussion on how best to fund a substantially large financial outflow in the next 3 days while preserving long-term goals. Background: Between fully funding a self-employed Individual-401k for 2014, paying the balance due for 2014 Fed and State Tax...
by dianna
Mon Mar 02, 2015 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: SEP-IRA vs Solo 401(k)
Replies: 16
Views: 1339

Re: SEP-IRA vs Solo 401(k)

I have my Solo 401(k) at VG and deliberated about where to host it for many of the same reasons that have been mentioned above. Although it still irks me a little that I can't access Admiral shares within the Solo-k, at the end of the day the generally low costs, option for Backdoor Roth, and one ot...
by dianna
Wed Feb 25, 2015 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Priority when planning for Early Retirement
Replies: 6
Views: 774

Re: Investment Priority when planning for Early Retirement

One might wish to research how to avoid penalties when withdrawing early from qualified plans. Some hints have already been given. Look up 72(t), SEPP, substantially equal periodic payments. Also look up the rules about withdrawing from a 401(k) after separation from your employer in years you will...
by dianna
Wed Feb 25, 2015 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Priority when planning for Early Retirement
Replies: 6
Views: 774

Re: Investment Priority when planning for Early Retirement

This comes up a lot but in general it is very hard to end up with too much in tax deferred. In the worst case paying OI (call it 15%) and penalty (10%) is probably still a win over paying 28%+ in taxes today. Throw in things like ROTH principal withdrawals, ROTH pipelines and 72(t)s to get access t...
by dianna
Wed Feb 25, 2015 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Priority when planning for Early Retirement
Replies: 6
Views: 774

Investment Priority when planning for Early Retirement

Q regarding our Investment Priority when planning for early retirement and thus need funds outside of Defined Contribution Plans. Generally, we have been following this investment priority: 1. His T-401k to get match and then up to annual maximum ($18,000 for 2015) 2. Her (self-employed) T-401k up t...
by dianna
Mon Dec 15, 2014 1:40 am
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 93
Views: 11025

Re: Most/Least Boglehead 2014 Activity?

Most: Stayed the course; maxed out tax-advantaged accounts for 2014; set up to do the same for 2015; Lived Below Means; DIY home repairs and upkeep; monthly review with spouse on AA and 1pg (double-sided) "snapshot" of overall financial picture. Least: Upcoming trip with 80+ yo parents, li...
by dianna
Thu Nov 06, 2014 10:47 pm
Forum: Personal Consumer Issues
Topic: All inclusive resort in Puerto Vallarta
Replies: 11
Views: 2241

Re: All inclusive resort in Puerto Vallarta

Marival Residences and World Spa +1 It's outstanding. However, with the kids, consider the Dreams in Puerto/Nuevo Vallarta. Several kid and adult-friendly pools, craft and entertainment activities, multiple restaurants, watercraft activities, etc. It's not Marival, but it's a good resort. We rented...
by dianna
Wed Oct 29, 2014 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: maximize investment priority - 401k, ira, hsa, lpfsa
Replies: 23
Views: 2826

Re: maximize investment priority - 401k, ira, hsa, lpfsa

The new prioritization would look like this: 1. Max out Roth 401k fully (per fed limits) + company match 2. Max out Backdoor Roth IRA 3. Max out MEGA Backdoor Roth IRA (assuming plan permits appropriately) 4. Max out HSA (spaced out across the year; you control the allocation) 5. Taxable as monies ...
by dianna
Tue Oct 28, 2014 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: maximize investment priority - 401k, ira, hsa, lpfsa
Replies: 23
Views: 2826

Re: maximize investment priority - 401k, ira, hsa, lpfsa

it sounds like the priority in my case should be: 1. Max out Roth 401k at $17,500 (+employer match) 2. Max out HSA at $4650 (+employer match) 3. Max out the after-tax 401k (and convert this later to a roth IRA) at $25,750 4. Save to taxable investment accounts whatever I can Am I understanding this...
by dianna
Tue Oct 07, 2014 12:40 pm
Forum: Personal Consumer Issues
Topic: Radiant Heating and Hardwood Floors
Replies: 6
Views: 1155

Re: Radiant Heating and Hardwood Floors

We also have engineered wood floors over top of radiant floors in our home, similar to what greenfire posted. Our radiant floors were retrofitted to a midcentury modern home, so some are within poured concrete slab, while others were installed in ply, then covered with hardboard before the finished ...
by dianna
Sun Sep 07, 2014 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Needed $1M age 40
Replies: 18
Views: 2344

Re: Portfolio Advice Needed $1M age 40

I'll edit my original post, but the people recommending Coverdell IRAs, the AGI limits are $220K which with my salary of $365K makes us not eligible, unless I'm misreading. You are but my guess is that your kids are not. Open up a UGMA/UTMA in each child's name. Put $2,000 in each account. Then hav...
by dianna
Tue Jul 15, 2014 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Using Emergency Fund to Pay off Auto Loan
Replies: 20
Views: 1928

Re: Using Emergency Fund to Pay off Auto Loan

Dadoftwo, I'm very sorry to hear about this difficult pregnancy. I agree with other posters who have wisely said not to pay off the auto loan but to keep the funds in the emergency fund and accessible. I wish your wife and the newest little one great health in these last weeks, and may the entire fa...
by dianna
Fri May 23, 2014 10:42 pm
Forum: Personal Consumer Issues
Topic: Control4 system user experiences?
Replies: 6
Views: 1083

Re: Control4 system user experiences?

Hi. About to undertake a renovation. There is an outdated and only marginally functional sound system in the house. Apparently, the speakers used are top-notch, as is the wiring, but the "brains" and keypads need to be replaced. The Control4 system uses iPads & iPhones to control hous...
by dianna
Mon May 19, 2014 10:43 pm
Forum: Personal Consumer Issues
Topic: Recommended Parenting Books
Replies: 30
Views: 2781

Re: Recommended Parenting Books

As many others have wisely intimated, I agree that fewer books are better than being inundated with books during the infancy stages. While it may be difficult to trust intuition, every baby is different and each parent is different, so trusting intuition is highly valuable, in my opinion. Perhaps a ...
by dianna
Mon May 19, 2014 9:03 pm
Forum: Personal Consumer Issues
Topic: First Ironman Triathlon Next Year -Any Good Books
Replies: 16
Views: 1297

Re: First Ironman Triathlon Next Year -Any Good Books

First, congratulations on taking on this venture and good luck with it! As swimming was, by far, my weakest link in a tri event, I found that doing Total Immersion swimming lessons were really key. TI swimming is like freestyle but allows you to be more efficient in your stroke. Thus, you get out of...
by dianna
Tue Apr 29, 2014 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Switching to Consulting; Retirement Account Options?
Replies: 7
Views: 707

Re: Switching to Consulting; Retirement Account Options?

+1 for Solo 401k (also referred to as Individual 401k, or I-K). Consider setting it up through Vanguard; very easy to administrate and manage. Only downside is not being eligible for Admiral shares with lower ER compared to Investor Shares ER, but that's a very minor complaint given the much higher ...
by dianna
Fri Jan 10, 2014 7:07 am
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 11535

Re: [Poll] What was your 2013 return?

This was a great learning exercise for me. Thank you for the link to MoneyBlog.com's easy rate of return calculator, repeated here http://www.mymoneyblog.com/estimate-your-portfolios-rate-of-return-calculator.html . XIRR = 16.7% across retirement accounts (401ks, IRAs), accounting for contributions;...
by dianna
Mon Jan 06, 2014 8:31 am
Forum: Personal Finance (Not Investing)
Topic: [Tax Advantaged] Private School Funding [Options]
Replies: 26
Views: 5262

Re: Private School Funding

The topic has been discussed previously, and a link to a discussion on how having a child with little/no income make the contribution can bypass the income limits for parents is in this thread: http://www.bogleheads.org/forum/viewtopic.php?f=10&t=108183 What we have been coached to do is the fol...
by dianna
Sun Jan 05, 2014 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: [Tax Advantaged] Private School Funding [Options]
Replies: 26
Views: 5262

Re: Private School Funding

If a married couple falls below the income limits for a Coverdell, can the parents then contribute $2,000 per year, plus an additional $2,000 gifted to the child, in the child's name? No, the limit is $2000 per year per kid from any source. To the OP, you personally may be above Tax thresholds to c...
by dianna
Sun Jan 05, 2014 7:12 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1381574

Re: What Book Are You Currently Reading? Part V

I just finished reading Malcolm Gladwell's David and Goliath on vacation and then turned to the Big Disconnect by Steiner-Adair about technology and social connection. Overall, I thought that David and Goliath was a nice thought-provoking read and I generally enjoy Gladwell's writing. The Big Discon...
by dianna
Fri Oct 11, 2013 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Rollover T-IRA to 401k to make space for backdoor Roth?
Replies: 2
Views: 346

Rollover T-IRA to 401k to make space for backdoor Roth?

Hi everyone, Thank you for all of the great advice and wisdom on this forum. We are contemplating a transaction to gain more Roth space that I want to run by the forum. Both of us are employed and still in the accumulation phase; only eligible for Roth IRA contributions via backdoor. Wife has no TIR...
by dianna
Thu Aug 22, 2013 12:18 am
Forum: Personal Finance (Not Investing)
Topic: solo 401(K) questions
Replies: 20
Views: 1586

Re: solo 401(K) questions

2) I understand that there are no Admiral shares, so I will have to pay higher expense ratios. Do I also have to contribute to a certain fund, especially at the beginning, to make it legally correct? For example, can I just continue with Total Bond Market and Total Stock Market or do I have to choo...
by dianna
Thu Aug 08, 2013 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Coverdell Education Savings Accounts
Replies: 7
Views: 793

Re: Coverdell Education Savings Accounts

We also have ours at Schwab. Easy to set up and fund, good choice of funds. No adverse experiences thus far, however we are only in accumulation and haven't needed to use those funds (yet, thankfully).

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