Search found 295 matches

by leftcoaster
Wed Apr 18, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Inherited foreign rental
Replies: 1
Views: 194

Inherited foreign rental

My wife inherited a rental in her country of origin. It is occupied, making sale difficult. Still gathering details about insurance, value, condition. It is not located in a part of the country where she has surviving relatives. I would prefer to unload it - see above about challenge selling an occu...
by leftcoaster
Sat Apr 14, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 124
Views: 6836

Re: BH travel tips?

Some airlines still pass out US customs paperwork on reentry. You don’t need to fill those out anymore. The kiosks do it for you.
by leftcoaster
Sat Apr 14, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 124
Views: 6836

Re: BH travel tips?

Refillable travel size containers are nice - sunblock, shaving cream.
by leftcoaster
Sat Apr 14, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 124
Views: 6836

Re: BH travel tips?

+1 for the sapphire. I was in Portland’s airport and my card got me $28 free food/drink at a market. Could also have had a $28 free flight of whiskey.
by leftcoaster
Sat Apr 14, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 124
Views: 6836

BH travel tips?

Let’s share some BHish approaches to travel. Here are a couple to start... pack to purge old shirts, socks, pants, underclothes? Travel with them and discard after use. Yes, you can drop them at goodwill on the road if you insist. packing cubes available on amazon, these are thin canvas pouches (not...
by leftcoaster
Wed Apr 11, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: Uber vs Lyft
Replies: 15
Views: 2577

Re: Uber vs Lyft

Try wings for airport rides
by leftcoaster
Wed Apr 11, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: What to do about Wife's Term Life Insurance Policy Nearing End?
Replies: 21
Views: 1589

Re: What to do about Wife's Term Life Insurance Policy Nearing End?

I have never insured my wife's life. I have a policy that I bought shortly before we had kids -- 20y -- and I will let it expire after that. Scenarios: wife dies: don't need the income replaced; expenses go down. I die: she pays off debt based on my income + kid's education. Neither dies: debt is go...
by leftcoaster
Sun Apr 08, 2018 7:44 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 39963

Re: Name something you had to have and now you regret purchasing it?

jerryk68 wrote:
Sat Sep 09, 2017 2:36 pm
Learned a lot and was very selective in my second and current marriage.
“Current marriage” - lol

Do you really introduce your wife as “your current wife”? Seems like one of those quips you can pull off... once.
by leftcoaster
Fri Apr 06, 2018 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Undecided students and STEM majors
Replies: 51
Views: 3879

Re: Undecided students and STEM majors

I am an engineer and it seems unusual to me that a current student must declare a major immediately upon entering (or before). As was described, students entering the engineering curriculum may not have a perfect handle on the field they wish to go into. Both UCSD and UCSB admissions departments to...
by leftcoaster
Fri Apr 06, 2018 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Undecided students and STEM majors
Replies: 51
Views: 3879

Undecided students and STEM majors

Visiting colleges with my high school junior, who is interested in STEM but unsure as to which specific field. Some schools (private, $$$$) admit students and put them through a rigorous core, with exposure to several engineering disciplines, CS, and math. Only after that do they choose a major. Thi...
by leftcoaster
Sun Mar 25, 2018 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Wash sale TLH question
Replies: 1
Views: 143

Wash sale TLH question

I’ve got several SpecID purchases in 2018 of a. Amguard fund that have a negative cost basis. I’d like to TLH. However, some of the purchases are recent and I expect to see a wash sale if I do. How does that get handled across the multiple lots exactly and where is the cost basis adjustment from the...
by leftcoaster
Sat Mar 24, 2018 10:09 am
Forum: Investing - Theory, News & General
Topic: Pls Help me understand 2018 SALT deductions.
Replies: 17
Views: 1895

Re: Pls Help me understand 2018 SALT deductions.

I believe any charitable deductions over 2k would start to make itemizing worth more than the 24k SD. 12k + 10k + 2k = SD Medical deductions over 7 1/2% (this year) might also apply. Can't remember what else. In which case the OP should bunch them, perhaps with help of a DAF to smooth disbursements.
by leftcoaster
Sat Mar 24, 2018 10:04 am
Forum: Investing - Theory, News & General
Topic: I’m looking for a word...
Replies: 114
Views: 9216

Re: I’m looking for a word...

Rick Ferri wrote:
Thu Mar 22, 2018 11:12 am
I’m looking for the word or phrase that describes how a complex system changes either predictably or unpredictability when a pasive observer becomes an active market participate. Any ideas?
This thread is an illustration of that phenomenon!
by leftcoaster
Tue Mar 20, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: Anything I should know about new windows?
Replies: 9
Views: 1076

Re: Anything I should know about new windows?

In California consider Sierra Pacific, which is comparable to Marvin without showroom overhead. Also consider casement windows. Love them!

Make sure they come with screens. Check warranty. You may get an energy deduction if you itemize.
by leftcoaster
Mon Mar 19, 2018 9:51 am
Forum: Investing - Theory, News & General
Topic: Federal court tosses out fiduciary rule
Replies: 60
Views: 6301

Re: Federal court tosses out fiduciary rule

If they don't have to act in their client's best interest, then they should not be allowed call themselves financial advisors. They should be required to call themselves financial sales specialists, and they should be required to disclose which of their recommended products result in their receivin...
by leftcoaster
Sun Mar 18, 2018 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Bought house six months ago - now feeling like we're treading water and can't save money
Replies: 189
Views: 16425

Re: Bought house six months ago - now feeling like we're treading water and can't save money

dumo the trainer and the yard service. The yard work is free personal training! Get a reel mower instead of a power one - boom! Cardio! Volunteer instead of $$ tithing. Also, the scriptural basis for tithing comes from a time when social safety nets from taxation weren’t there. You are paying double.
by leftcoaster
Thu Mar 15, 2018 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 187
Views: 18703

Re: Those with high savings rate: why?

To pay for the luggage rack on the hearse at my funeral.
by leftcoaster
Wed Mar 07, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: 30-Day Minimalist Challenge
Replies: 79
Views: 8071

Re: 30-Day Minimalist Challenge

50 pairs of shoes One comment about this. I own 4 pair of shoes, and one of them is a super old pair that I use strictly for mowing the lawn. If you're trying to hit your number at the end of day 30, this is a good place to start. I'd count each shoe as one item :beer If you only have 4 pairs of sh...
by leftcoaster
Tue Mar 06, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Foreign property inheritance, what to do?
Replies: 1
Views: 270

Re: Foreign property inheritance, what to do?

My questions: What are the tax implications of this inheritance? (Assume I know nothing here and you'd be close to the truth.) What are the important considerations for the accepting payments from the inlaws? Should I open a PEA to invest the money in France? We don't need the cash to meet our fina...
by leftcoaster
Sun Mar 04, 2018 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Rule 10B-51 plans
Replies: 0
Views: 133

Rule 10B-51 plans

Any BHs ever set up a Rule 10B-51 plan for selling company stock during an insider blackout period? What sort of instructions did you give, particularly for RSUs vesting during the period?
by leftcoaster
Wed Feb 21, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 13908

Re: Can We Retire in Hawaii? Please Critique

I always find it semi-amusing when people recommend moving to a low-cost area instead of answering the questions being asked about a high-cost area but you have to admit that suggesting Tennessee or Texas instead of Hawaii as has been done in this thread is absolutely hilarious as there is really n...
by leftcoaster
Mon Feb 19, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Kreg jig
Replies: 24
Views: 2231

Re: Kreg jig

Hey, it's Christmas. Get yourself a Festool Domino - https://www.festoolproducts.com/power-tools/festool-domino-joiners.html?gclid=Cj0KCQiAjO_QBRC4ARIsAD2FsXPpJW-jkZ4xRga7e3UfpoiYpz8sTX4-cXxCLKBc55h4RpLMeHk6DIgaApmcEALw_wcB Since I bought one, I hardly ever use my Krueger jig and I sold my biscuit ...
by leftcoaster
Mon Feb 19, 2018 8:27 pm
Forum: Investing - Theory, News & General
Topic: Savings Bond Wizard to be eliminated 5/18
Replies: 45
Views: 5351

Re: Savings Bond Wizard to be eliminated 5/18

Third party desktop software is available, at least for MacOS. I am not sure what software leftcoaster is using however I found the macOS software below via online search. I have not tried it. http://spottedsnake.net/SavingsBondTracker/index.html I'm the author, so yes, that's what I use.
by leftcoaster
Mon Feb 19, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 9844

Re: Do you wear a wedding band? [at a job interview]

The wife of a friend had his engraved on the inside before they married. The inscription: "put it back on."
by leftcoaster
Tue Feb 13, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Anyone have a Walabot (imaging sensor for wires, pipes, studs in walls)?
Replies: 17
Views: 1859

Re: Anyone have a Walabot (imaging sensor for wires, pipes, studs in walls)?

I agree about rapping with a knuckle. Also, if you ever open a wall, take pictures! Studs are spaced 16" on center. If you see an electric outlet, it's nailed to the side of a stud. rap into until you figure out which side it's on, then measure 16" and rap again. I'm not a pro and it works every tim...
by leftcoaster
Tue Feb 13, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Paper I-Bonds Purchases With Tax Return
Replies: 32
Views: 3515

Re: Paper I-Bonds Purchases With Tax Return

Yes, you can convert the new bonds. Note that you can buy an extra $10K in a revocable living trust. So: his $10K, her $10K, their trust' $10K, tax refund $5K (modify if same gender couple of course). You can ALSO buy 10+10+10 in EE bonds, which I am using for the "doubles at 20" to have a 'sure thi...
by leftcoaster
Tue Feb 13, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: TV assisted listening
Replies: 4
Views: 510

Re: TV assisted listening

Ah, I have one of those dongles and headphones lying around. Will try it!
by leftcoaster
Tue Feb 13, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: TV assisted listening
Replies: 4
Views: 510

TV assisted listening

Is there a system that will enable one hard of hearing person to use headphones while the others use a sound bar at a normal volume?

TV is a somewhat recent Vizio set with their sound bar, which is connected to the optical port.
by leftcoaster
Tue Feb 06, 2018 12:50 am
Forum: Investing - Help with Personal Investments
Topic: Calif UTMA @ Vanguard
Replies: 11
Views: 593

Re: Calif UTMA @ Vanguard

I was finally able to get through to the brokerage. They said that it is the responsibility of the custodian to remove their name from the UTMA account, any time after the minor reaches the age of maturity, which is 18 in California. They are sending me a form to take care of that. I saw several re...
by leftcoaster
Mon Feb 05, 2018 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Calif UTMA @ Vanguard
Replies: 11
Views: 593

Re: Calif UTMA @ Vanguard

What about the mechanism for extending custodianship beyond age 18? I have related questions. I have a UTMA account (not in Vanguard) that I opened for my son in 2001. I'm in California. From reading the CA UTMA rules, it sounds like the investment can be kept in a UTMA account until he turns 25 be...
by leftcoaster
Mon Feb 05, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Calif UTMA @ Vanguard
Replies: 11
Views: 593

Re: Calif UTMA @ Vanguard

Yes, I understand the ability to move taxable gains into a UTMA. I also understand the impact to financial aid.

What about the mechanism for extending custodianship beyond age 18?
by leftcoaster
Mon Feb 05, 2018 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Calif UTMA @ Vanguard
Replies: 11
Views: 593

Re: Calif UTMA @ Vanguard

@dbr, thank you. I agree.
by leftcoaster
Mon Feb 05, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Calif UTMA @ Vanguard
Replies: 11
Views: 593

Calif UTMA @ Vanguard

Has anyone here opened a UTMA at Vanguard that extends the custodial period beyond age 18, as some states permit? What steps were involved? California let’s you go to 21; 25 in some cases. And - when opening a UTMA online, the option only appears if you say you are investing “for college.” That seem...
by leftcoaster
Sun Jan 28, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: dual income california withholding calculator
Replies: 1
Views: 232

dual income california withholding calculator

Is there a calculator somewhere that will help me dial in the withholding for a two income couple on California income taxes? Or is there no need for such calculations as in the federal case?
by leftcoaster
Sat Jan 20, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Can Roth conversions count as RMDs?
Replies: 27
Views: 1878

Re: Can Roth conversions count as RMDs?

Odd constraint. The conversion is taxable just as the distribution. Oh well
by leftcoaster
Sat Jan 20, 2018 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Can Roth conversions count as RMDs?
Replies: 27
Views: 1878

Can Roth conversions count as RMDs?

Can someone taking RMDs satisfy the requirement with a Roth conversion if the RMD is not needed for current living expenses?
by leftcoaster
Sat Jan 20, 2018 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Partial RMD for QCD?
Replies: 7
Views: 342

Re: Partial RMD for QCD?

thanks all!
by leftcoaster
Sat Jan 20, 2018 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Partial RMD for QCD?
Replies: 7
Views: 342

Partial RMD for QCD?

Can a senior eligible to turn an RMD into a Qualified Charitable Donation do that for a fraction of the monthly RMD check? Example - gift is $2500. RMD is $5000. Can s/he do the 2500 as a QCD and the balance as A distribution?

Or must one donate the whole RMD check? That would seem crazy but....
by leftcoaster
Sat Jan 20, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Should I stop 529 Contributions
Replies: 14
Views: 1718

Re: Should I stop 529 Contributions

Grad school likely?
by leftcoaster
Sat Jan 20, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Next Phase - Move to Taxable?
Replies: 5
Views: 758

Re: Next Phase - Move to Taxable?

With a 5y timeline tax deferral and a state tax exemption for I bonds may make sense.
by leftcoaster
Fri Jan 19, 2018 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Job terminated. Convert small pension to lump sum or annuity?
Replies: 18
Views: 1618

Re: Job terminated. Convert small pension to lump sum or annuity?

I have a pension of similar size but I get a return based on the constant maturity of 30y treasuries at no risk to me. So I am keeping it as a small part of my bond allocation.
by leftcoaster
Thu Jan 18, 2018 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 13908

Re: Can We Retire in Hawaii? Please Critique

retire in Dallas (really??? I live just south of Dallas now; it's awful), what will I do all day I always find it semi-amusing when people recommend moving to a low-cost area instead of answering the questions being asked about a high-cost area but you have to admit that suggesting Tennessee or Tex...
by leftcoaster
Wed Jan 17, 2018 9:31 am
Forum: Investing - Theory, News & General
Topic: ETF Bond Fund ladder
Replies: 1
Views: 249

ETF Bond Fund ladder

Under what circumstances does it make sense to use fixed duration ETF bond funds (iShares has them with maturities out for the next 10 years) ? These are corporates or there is a muni option. There seems to be no point for treasuries as there is no default risk to diversify away. For corporates and ...
by leftcoaster
Wed Jan 17, 2018 7:27 am
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 92
Views: 10439

Re: Besides Bogleheads, What Are Your Favorite Forums?

Hacker news

Sailing Anarchy

Lumberjocks

Sawmill creek

Kiteforum

Local politics
by leftcoaster
Mon Jan 15, 2018 10:16 pm
Forum: Personal Consumer Issues
Topic: best flooring for a basement wood shop?
Replies: 27
Views: 1587

Re: best flooring for a basement wood shop?

Ask this question in the about the workshop forum on Lumberjocks.com. Sawmill creek is another option.

Short answer - plywood on sleepers over concrete. Your legs will get sore on a hard surface and your tools will be damaged when dropped.
by leftcoaster
Sun Jan 14, 2018 6:02 am
Forum: Investing - Help with Personal Investments
Topic: Adding 200k to Portfolio, don't want boring old VTSAX again -your criticism, suggestion for a little extra risk?
Replies: 46
Views: 5785

Re: Adding 200k to Portfolio, don't want boring old VTSAX again -your criticism, suggestion for a little extra risk?

Stick to your plan and find another outlet for stimulation. Boglehead investing is supposed to be boring.

If you feel you must gamble, take not more than 5% of your portfolio and go nuts.
by leftcoaster
Sat Jan 13, 2018 7:10 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Withholding Tables
Replies: 88
Views: 11831

Re: IRS announces new withholding tables for 2018

At the time of this post, the IRS has taken down the withholding tables from their site. https://www.irs.gov/pub/irs-pdf/n1036.pdf Not sure what you mean--they're still on the IRS site as of when I'm typing this post, as is the press release announcing them: https://www.irs.gov/newsroom/news-releas...
by leftcoaster
Fri Jan 12, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 8615

Re: Credit card keeps getting hacked, even when unused! (4x now!)

Always insist on a plain old ATM card, not one that has the Visa "feature."
by leftcoaster
Fri Jan 12, 2018 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 8615

Re: Credit card keeps getting hacked, even when unused! (4x now!)

And some online stores accept payment cryptograms, like Apple Pay, which are single use and bound to a precise amount. Lyft and Uber accept this as do an increasing number of etailers.
by leftcoaster
Fri Jan 12, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 8615

Re: Credit card keeps getting hacked, even when unused! (4x now!)

Have you looked to see if your computer is infected with key logger malware that transmits your card info to an adversary as you type it?