Search found 285 matches

by renter
Thu Aug 25, 2016 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: has any business owners set up 401k at fidelity? min for employees
Replies: 5
Views: 496

Re: has any business owners set up 401k at fidelity? min for employees

My company used to use them and i give them low marks in terms of customer service (my company being the customer) and employee account holders. They were not very responsive to questions, in some cases entirely non responsive. This was in stark contrast to fidelity customer service for non 401k aco...
by renter
Mon Aug 22, 2016 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone bought a home with Redfin?
Replies: 21
Views: 3358

Re: Has anyone bought a home with Redfin?

We used them for our first home purchase and worked out great. There's no science to this. Search online, go to open houses, put in an offer, get an inspection, then decide.
by renter
Mon Aug 22, 2016 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to apply Redfin buyer credit in CA
Replies: 3
Views: 401

Re: Best way to apply Redfin buyer credit in CA

It shouldn't be taxable income. When we got our check a few days after closing it was accompanied by a note that said thanks to an IRS ruling the payment was not taxable income. Used the money to buy brand new appliances. Worked out great. Since we knew the area we wanted and was easy enough to pick...
by renter
Fri Aug 19, 2016 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Self-drafting prenuptial agreement in CA
Replies: 17
Views: 1168

Re: Self-drafting prenuptial agreement in CA

This is definitely not a DIY project. A friend of mine is family law attorney with 3 decades of experience and even she didn't write her own marital agreement when she remarried recently. When I asked her if she had someone else draft the agreement for her, she said, "of course. what do you thi...
by renter
Sun Aug 07, 2016 9:33 pm
Forum: Personal Consumer Issues
Topic: Experience Living in an Old House?
Replies: 42
Views: 3441

Re: Experience Living in an Old House?

It might be hard to get insurance at all for it, or you might suddenly get dropped from coverage with 60 days notice and can't get new insurance quickly. I know someone this happened to.
by renter
Thu Apr 21, 2016 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA and record keeping
Replies: 4
Views: 642

Re: Roth IRA and record keeping

Thanks very much for the replies. Assuming I don't have any 5498's, and I want to migrate all existing Roths at various brokerages to a new custodian for centralization and convenience; I continue to make back door Roth contributions for the next decade keeping all records and do proper tax reportin...
by renter
Thu Apr 21, 2016 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA and record keeping
Replies: 4
Views: 642

Roth IRA and record keeping

I've done a good job keeping track of back door Roth IRA contributions. However I have some legacy Roth IRAs at different places from when I satisfied income requirement and made regular contributions. Some of those accounts migrated to different institutions or were combined over the years. I have ...
by renter
Mon Apr 11, 2016 11:12 am
Forum: Personal Consumer Issues
Topic: Japanese language training - HELP -
Replies: 10
Views: 884

Re: Japanese language training - HELP -

Take a summer off and study beginners Japanese in the most rigorous study environment you can find with other ambitious people. Need not be in Japan. Look into Stanfords summer program. Right after that, go to Japan, use as much as possible and slowly expand. You will pick it up fast that way.
by renter
Fri Apr 01, 2016 1:45 am
Forum: Investing - Help with Personal Investments
Topic: Thank You Bogleheads - FA Response
Replies: 7
Views: 1167

Re: Thank You Bogleheads - FA Response

Gee thanks for only picking 3 of my 4 pockets
by renter
Mon Mar 07, 2016 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: How to untangle from my financial advisor
Replies: 10
Views: 1507

Re: How to untangle from my financial advisor

Tell him how appreciative you are for his guidance and you've learned a lot from him but that you've always been intrigued by personal finance and have been reading up on it and now you wish to empower yourself to take on the responsibility of managing your assets and it's a challenge your going to ...
by renter
Fri Mar 04, 2016 2:09 am
Forum: Personal Finance (Not Investing)
Topic: I know it's nuts! Buying stake in LLC at bankruptcy auction?
Replies: 12
Views: 1667

Re: I know it's nuts! Buying stake in LLC at bankruptcy auction?

If the interests have any real value you can be fairly sure that other owners of the LLC will bid at the auction and if they don't show up that should tell you something. Too many unknowns here. I'd just go to Vegas for the weekend instead.
by renter
Sat Feb 27, 2016 12:41 am
Forum: Personal Consumer Issues
Topic: Meineke ok for oil changes?
Replies: 36
Views: 3441

Re: Meineke ok for oil changes?

The only times I've been to these places is to drop off my used oil for recycling. I can't imagine them giving a crap what oil they add to the vehicle or properly measuring the amount of oil or changing the filter, especially when they're charging so little. Only do it myself.
by renter
Fri Feb 19, 2016 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Applied for 100 jobs, no callbacks. What's up?
Replies: 103
Views: 9555

Re: Applied for 100 jobs, no callbacks. What's up?

During a prior economic downturn while jobless, I emailed resumes all over unsuccessfully. Then when I got really desperate, I identified the businesses I could accept working at and literally went door to door until someone hired me. The person that wound up hiring me told me "wow, you're doin...
by renter
Sun Feb 14, 2016 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Should I be reimbursed for cost incurred running errands for someone else?
Replies: 27
Views: 1707

Re: Should I be reimbursed for cost incurred running errands for someone else?

if uber is available near her, email her a link to how to get started and other links about how easy and convenient. "I came across this article saying how amazing it is and easy and inexpensive for folks to zip around town without hassles, and thought of you. Probably easier and more convenien...
by renter
Tue Feb 09, 2016 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Displeased with Fidelity Cash / BNY Mellon- debit card theft
Replies: 53
Views: 6345

Re: Displeased with Fidelity Cash / BNY Mellon- debit card t

I too want nothing to do with debit cards. Fortunately my credit union still offers ATM cards without having to arm twist. There is no good reason to use a debit card because you can face problems like this. I have had banks try to give me a debit card instead of an ATM card but I have refused only ...
by renter
Fri Jan 29, 2016 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: EJones Advisor wants to talk!
Replies: 84
Views: 7335

Re: EJones Advisor wants to talk!

LOL. Have someone call as your secretary and cancel. You're too busy.
by renter
Fri Jan 15, 2016 8:06 pm
Forum: Personal Consumer Issues
Topic: [Vanguard Online Access Problems]
Replies: 113
Views: 2874

Re: Vanguard.com

ditto
by renter
Mon Jan 11, 2016 11:36 pm
Forum: Investing - Theory, News & General
Topic: 2016 Boglehead Contest Analysis
Replies: 9
Views: 1247

Re: 2016 Boglehead Contest Analysis

It's only been what, a week? And I can't even remember if I was bullish or bearish when I entered the contest.
by renter
Mon Jan 11, 2016 11:34 pm
Forum: Personal Consumer Issues
Topic: Oil Changes turns into a disaster. What to do?
Replies: 62
Views: 7626

Re: Oil Changes turns into a disaster. What to do?

Wow. I always change my own oil and filter and this is the reason why. It's such a simple and inexpensive thing to do yourself, and if not done properly the results can be a catastrophy. I'm really sorry this has happened to you. I would raise hell at Jiffy Lube.
by renter
Sun Jan 03, 2016 5:01 pm
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 175
Views: 12340

Re: 2016 hedge fund contest

Cavein Holdings XIV Select-Gold LP
Long JCP jc penny (now everyone pls go buy those shirts and get the word out)
Short PZZA papa johns
by renter
Fri Jan 01, 2016 5:32 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 657
Views: 24319

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

1250.50

knife-catchers beware!
by renter
Thu Dec 31, 2015 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Roll Call for Tax-Loss Harvesting Class of 2015
Replies: 62
Views: 3095

Re: Roll Call for Tax-Loss Harvesting Class of 2015

A little over $6k in two TLH moves this year thanks to the TLH mentorship of Livesoft.
by renter
Wed Dec 30, 2015 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: 529 and Frothy market
Replies: 4
Views: 533

Re: 529 and Frothy market

Why not CA's 529? I think they offer the least expensive stock index option of any 529 plan.
by renter
Thu Dec 24, 2015 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Selling house - am I legally or ethically obligated to disclose this?
Replies: 50
Views: 6000

Re: Selling house - am I legally or ethically obligated to disclose this?

When in doubt it's usually better to disclose. I would disclose this and not even sweat it.
by renter
Tue Nov 24, 2015 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO Umbrella- Almost Too Good to be True
Replies: 36
Views: 4842

Re: GEICO Umbrella- Almost Too Good to be True

My State Farm for $2 million umbrella is $422 per year.
by renter
Wed Nov 18, 2015 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Profit Sharing Plans and Cash Balance Plans
Replies: 4
Views: 460

Profit Sharing Plans and Cash Balance Plans

I belong to a partnership and a partner proposed that we implement something called a Profit Sharing Plan and Cash Balance Plan, and says that I could, in addition to 401k contributions, sock away something like (I'm rounding) $40k in the Profit Sharing Plan and $100k in the Cash Balance Plan each y...
by renter
Tue Nov 10, 2015 2:13 am
Forum: Personal Consumer Issues
Topic: Medical invoice for services 10 months ago
Replies: 21
Views: 2322

Re: Medical invoice for services 10 months ago

State is CA. It just says CAST ROOM, $360, then an adjustment $180, then amount I owe is $180. So what it seems to say is, I'm now being charged rent for the use of a room, then giving me a 50% discount for an unspecified reason. We were actually moved around to several rooms, so I guess they could ...
by renter
Tue Nov 10, 2015 1:28 am
Forum: Personal Consumer Issues
Topic: Medical invoice for services 10 months ago
Replies: 21
Views: 2322

Re: Medical invoice for services 10 months ago

This was in network. In theory, they could continue sending us a new invoice every month for a separate item for months and years. My point is, there needs to be a limit where you can refuse to pay any further unless presented with a final invoice (and which is agreed to be legitimate).
by renter
Tue Nov 10, 2015 12:38 am
Forum: Personal Consumer Issues
Topic: Medical invoice for services 10 months ago
Replies: 21
Views: 2322

Medical invoice for services 10 months ago

My kid went to the hospital with a broken arm 10 months ago, got a cast, then got another cast, then got the cast removed, and, admittedly, got great service. Our insurance covered most of the cost, but we were sent a few invoices soon after the the services were rendered and happily paid those and ...
by renter
Sat Oct 31, 2015 7:02 pm
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Best decisions, biggest busts for appliances
Replies: 46
Views: 5313

Re: Kitchen Remodel - Best decisions, biggest busts for appliances

For cabinets we used cliqstudios online. Solid all wood construction, inexpensive, free shipping. And paid no sales tax. Then bought fancy handles and countertop. Had a good handyman install. Turned out great.
by renter
Sun Oct 18, 2015 3:20 pm
Forum: Personal Consumer Issues
Topic: 2 days in Shanghai - what's worth seeing?
Replies: 11
Views: 1510

Re: 2 days in Shanghai - what's worth seeing?

If you visit the bund or ride subway be sure to keep phone and wallet in front pocket or wherever super secure, I know from personal experience. I would eat a nice meal in Jin Mao tower in the hotel way up high rather than go pearl tower around the block. Maybe even stay at the hotel in the Jin Mao ...
by renter
Fri Oct 09, 2015 5:38 pm
Forum: Personal Consumer Issues
Topic: Selling MIL's creampuff 2013 5k mi Corolla LE, Florida
Replies: 17
Views: 1207

Re: Selling MIL's creampuff 2013 5k mi Corolla LE, Florida

Such a desirable car. Last year I sold my Corolla from the 90s to the very first guy that responded. I was inundated with calls. It sold for $500 above KBB, yes above, that's how desirable corollas are. Mine had a ton of miles. So I sound expect yours to sell within 1 day max if you price it reasona...
by renter
Wed Sep 09, 2015 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Co-owners: "AND" vs. "OR" [Car title]
Replies: 8
Views: 1573

Re: Co-owners: "AND" vs. "OR"

Main practical difference is OR means either of you acting alone can sell the car, while AND means both of you acting together can sell the car. I always use OR.
by renter
Tue Sep 08, 2015 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: tax loss harvesting question
Replies: 8
Views: 542

Re: tax loss harvesting question

Ok, I've got it now, thanks. Unfortunately I see the market is up today so I'll have to wait for the next TLH, assuming I notice the next loss in time (as I gotten into the habit of not following daily). But I now more fully appreciate the value TLH offers.
by renter
Mon Sep 07, 2015 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: tax loss harvesting question
Replies: 8
Views: 542

Re: tax loss harvesting question

Does the second sale in your suggestion also result in a wash sale, since the same securities were in fact purchased within 30 days prior?
by renter
Mon Sep 07, 2015 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: tax loss harvesting question
Replies: 8
Views: 542

Re: tax loss harvesting question

Thanks, but I'd like to completely avoid a wash sale if I can to keep my accounting simple. If Ved is correct then I'd rather do it that way, it just wasn't clear to me why selling all on the same day would somehow eliminate the wash sale. I guess I could just do it and see how Vanguard treats it.
by renter
Mon Sep 07, 2015 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: tax loss harvesting question
Replies: 8
Views: 542

Re: tax loss harvesting question

Thanks for the feedback. Why does the wash sale go away if I sell ALL of the shares? (assume that #2 and #3 aren't issues).
by renter
Mon Sep 07, 2015 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: tax loss harvesting question
Replies: 8
Views: 542

tax loss harvesting question

I’m a novice TLH’er and recently “harvested” losses for the first time. Here’s my question: On Day 1, I sold shares of total stock market index (realizing nice short term loss), and purchased SP500 index fund. On Day 3, I sold shares of intl stock index (realizing nice short term loss), and purchase...
by renter
Fri Sep 04, 2015 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: tax loss harvesting question
Replies: 1
Views: 182

tax loss harvesting question

I recently harvested losses in my total stock market fund, and when I sold moved the proceeds to an S&P500 fund. However, within just a few days, I have amassed losses in the S&P 500 fund due to today's drop in price. I'd like to harvest these new losses, and perhaps move the funds to a smal...
by renter
Fri Sep 04, 2015 10:40 am
Forum: Investing - Theory, News & General
Topic: Got a Question for the Jack Bogle Q&A @ Bogleheads Conference?
Replies: 66
Views: 12926

Re: Got a Question for the Jack Bogle Q&A @ Bogleheads Conference?

What is your experience with tax loss harvesting? and is a practice you recommend? Why or why not?
by renter
Mon Aug 31, 2015 8:41 pm
Forum: Investing - Theory, News & General
Topic: Dogs of the Dow? - woof woof
Replies: 21
Views: 3490

Re: Dogs of the Dow? - woof woof

I remember the dogs of the Dow of the late 90s. What a frothy and exciting time it was. I remember in one year I was unemployed, I made fun of my wife to be fully employed because I earned more in my IRA then she earned in her salary for an entire year (1999) only to see it all crash 75% over the ne...
by renter
Thu Aug 27, 2015 8:37 pm
Forum: Personal Consumer Issues
Topic: I need a classic men's black dress belt
Replies: 53
Views: 7331

Re: I need a classic men's black dress belt

A few years back I bought a new Ralph Lauren black belt on ebay. I vaguely recall it bring very inexpensive, maybe $20. It has held up great and I wear it virtually every day. The silver chrome is breaking down but gives it a cool patina.
by renter
Fri Jun 12, 2015 9:17 pm
Forum: Personal Consumer Issues
Topic: House addition software
Replies: 9
Views: 1271

Re: House addition software

Thanks, that looks pretty slick! I'll explore it more.
by renter
Fri Jun 12, 2015 7:44 pm
Forum: Personal Consumer Issues
Topic: House addition software
Replies: 9
Views: 1271

House addition software

The misses and I are looking to do an addition on our house, possibly adding 2 master bedrooms to the existing structure. We want to play around with design ideas ourselves before we hire a professional, either an architect or designer, to go forward officially with the design. Can anyone recommend ...
by renter
Tue May 26, 2015 12:32 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity 529 and Arizona and Deleware
Replies: 11
Views: 1228

Re: Fidelity 529 and Arizona and Deleware

Last time I checked CA's 529 had rock bottom fees for stock index, probably about half of the ER in your post. You should check it out. That ER will make a difference over the long term, depending on amount invested and market performance. Even if just talking a few thousand bucks savings over long ...
by renter
Tue May 26, 2015 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Displeased with Fidelity Cash / BNY Mellon- debit card theft
Replies: 53
Views: 6345

Re: Displeased with Fidelity Cash / BNY Mellon- debit card theft

I've had my own issues with using Fidelity account as a "bank account" and now use my plain and boring credit union exclusively for all "banking". I would also never carry a debit card, just credit card and ATM only ATM card.
by renter
Fri May 08, 2015 9:53 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Mr. Bogle
Replies: 40
Views: 3585

Re: Happy Birthday Mr. Bogle

Happy birthday!
by renter
Mon Apr 27, 2015 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: lost a bid for questionable practice of seller's agent
Replies: 28
Views: 4110

Re: lost a bid for questionable practice of seller's agent

What are your indications that your bid was better, or is it just a guess? I hate realtors as much as the next guy but if your guessing I don't see the basis for filing a complaint until you know for sure.
by renter
Fri Apr 24, 2015 2:30 pm
Forum: Investing - Theory, News & General
Topic: A Great List of Useless Financial Porn Phrases
Replies: 30
Views: 4959

Re: A Great List of Useless Financial Porn Phrases

"If you don't listen to me, you deserve to be broke." - Tom Vu

by renter
Fri Apr 24, 2015 12:04 am
Forum: Investing - Theory, News & General
Topic: A Great List of Useless Financial Porn Phrases
Replies: 30
Views: 4959

Re: A Great List of Useless Financial Porn Phrases

From a cold call I got at work (my bad for accepting a call from an anonymous number): "Hi, this is [so and so] from [such and such long and ambiguous company name]. How are things going?" "Are you calling to sell me something?" "No, no. Nothing like that... So are you in th...

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