Search found 311 matches

by renter
Tue Aug 08, 2017 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: Cheapest 529 Plan - Not worried about State tax deduction
Replies: 6
Views: 665

Re: Cheapest 529 Plan - Not worried about State tax deduction

Check CA's 529. When I checked a year ago I couldn't find a state with a less expensive all stock index fund.
by renter
Thu Aug 03, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: Real Estate agent fees for purchaser
Replies: 9
Views: 752

Re: Real Estate agent fees for purchaser

Check out Redfin if they are in your area. We used them as our buyer agent and got around $12k back shortly after closing as a non taxable discount / rebate of their share of commissions. It paid for all brand new appliances in our case. And there were no bs fees like what you mentioned.
by renter
Sat Jun 17, 2017 10:48 am
Forum: Investing - Help with Personal Investments
Topic: 401k loan and contributions
Replies: 6
Views: 473

Re: 401k loan and contributions

It's a company 401k. I am a partial owner of the company. I am looking at borrowing $35k from the plan then immediately contribute it back as my year 2017 employer side profit sharing contribution. Then pay the loan back over 5 years. End result will be money out of the market a few days, and effect...
by renter
Fri Jun 16, 2017 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: 401k loan and contributions
Replies: 6
Views: 473

401k loan and contributions

I am considering taking out a loan from my Vanguard 401k (lets say $50k) and repay it over 5 years. During that 5 year period while repaying the loan on schedule, I want to be able to continue making regular 401k contributions up to the max each year. Anyone know if this is possible? I read through ...
by renter
Mon May 22, 2017 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard 401k loan
Replies: 0
Views: 396

Vanguard 401k loan

I have a 401k at Vanguard through my employer. I am planning to take out a loan from the 401k and pay it back over 2 years. I am wondering if I do, would I still be eligible to make regular employee contributions (and can my employer continue profit sharing contributions) to my 401k or any I blocked...
by renter
Tue Apr 25, 2017 11:22 pm
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 131
Views: 54753

Re: Banned from Home Depot Returns

Update: When I wasn't able to initially make the return I did ask to speak to a manager who wasn't helpful at all. They basically deferred to the system, even though I had the receipt. I didn't push too hard since I didn't want to become a nuisance because I do shop there very frequently. I called ...
by renter
Fri Feb 17, 2017 11:06 pm
Forum: Personal Consumer Issues
Topic: Windshield repair gone wrong....
Replies: 19
Views: 2509

Re: Windshield repair gone wrong....

I would replace the windshield without giving it a second thought.
by renter
Sat Jan 28, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: Nissan? (Cars.)
Replies: 52
Views: 3879

Re: Nissan? (Cars.)

Had a nissan. Bought it vs a honda because it was a lot cheaper. I didnt fully appreciate the honda until driving the nissan. Nissan engine frumpy and loud, door handle awkward, cup holder awkward. Longer turning radius. Had some issue with the left turning indicator where it would blink twice as fa...
by renter
Thu Jan 12, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: What to consider while purchasing an existing business?
Replies: 66
Views: 9814

Re: What to consider while purchasing an existing business?

Not signing a non-compete is an obvious red flag and deal breaker. If she is agreeing to it anyway, why wouldnt she sign?? I would assume if she decides she hates being someone's employee, and when she sees from the inside exactly how to run a business successfully, she will have no barrier to setti...
by renter
Fri Jan 06, 2017 5:53 pm
Forum: Personal Consumer Issues
Topic: Getting rid of mice
Replies: 94
Views: 6338

Re: Getting rid of mice

I knew someone with a family of squirrels living in the attic of his house. Didnt know how they got in until one day he was standing in the backyard and saw a shingle pop up and the critter look around. The mice could be coming in from above through under a shingle or chimney (along with a million o...
by renter
Sun Jan 01, 2017 9:27 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 218
Views: 26429

Re: 2017 hedge fund contest

Long WMB
Short STZ


Eduard Gones Fund
by renter
Sat Dec 24, 2016 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: how do I track the best performing 529 plan
Replies: 11
Views: 970

Re: how do I track the best performing 529 plan

The 529 with the least expensive stock index fund (at 0.09% expense ratio) is California, to my knowledege. Thats all I use. If youre looking for more flavors I can't help. :happy
by renter
Sat Dec 03, 2016 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Not happy with my realtor
Replies: 48
Views: 4994

Re: Not happy with my realtor

boglerocks wrote:He's a prominent realtor in town.


LOL
by renter
Fri Dec 02, 2016 11:54 pm
Forum: Personal Consumer Issues
Topic: Anyone use a tankless hot water heater???
Replies: 26
Views: 3240

Re: Anyone use a tankless hot water heater???

Absolutely love our tankless water heater. The old tank took up too much space in the laundry area. It was so refreshing having it gone and not having to worrry about it ever flooding the room (which spontaneously happened and dramatically at an old place we used to rent). The tankless unit attaches...
by renter
Mon Nov 14, 2016 10:01 pm
Forum: Personal Consumer Issues
Topic: gardening, soil amendment, composting
Replies: 33
Views: 3280

Re: gardening, soil amendment, composting

Theres no rocket science here. Mix the chicken poop with other compostables in a compost pile, turn it every so often, and keep adding to it until fully composted. Then mix in with the soil, then repeat. This is what I do and works fine. You dont need to add much to soil to have good results. For me...
by renter
Wed Oct 26, 2016 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Setting up the best 401k possible
Replies: 17
Views: 1260

Re: Setting up the best 401k possible

I think EF was a great option during the years when VG didn't offer small biz 401ks. Now that they offer them again I would simply go with VG. When we switched from crappy 401k to VG 401k my expense ratio went from 0.60 to 0.05 in index funds. The VG admin fees are already cheap. Going with EF to sa...
by renter
Sat Oct 08, 2016 7:26 pm
Forum: Personal Consumer Issues
Topic: Should I upgrade my beat up car?
Replies: 69
Views: 5579

Re: Should I upgrade my beat up car?

Had same situation as you. Drove a complete beater Corolla until I decided enough was enough. I had purchased it as a 5 yr old used car. I was 3rd owner, first owner was Hertz. I then drove it for 7 years doing almost nothing to it but change oil and filter and battery. Paid $5500 cash, sold for $30...
by renter
Sat Oct 08, 2016 7:02 pm
Forum: Investing - Theory, News & General
Topic: Leaving a Scotttrade Coverdell to a 529
Replies: 0
Views: 230

Leaving a Scotttrade Coverdell to a 529

To simplify things I want to move a Coverdell at Scotttrade to a 529. I know the steps to do this already, but was wondering if anyone here has done this from Scotttrade and were they helpful in reporting the basis of contributions for you to the 529 provider or did they not want to bother when you ...
by renter
Tue Sep 27, 2016 11:57 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Roll Over
Replies: 2
Views: 381

Re: 529 Roll Over

Check out California Scholarshare 529. I think their stock index funds are even cheaper (.09 to 0.10%).
by renter
Tue Sep 20, 2016 9:07 pm
Forum: Personal Consumer Issues
Topic: Loan on $1.3MM Fixer-upper
Replies: 62
Views: 6735

Re: Loan on $1.3MM Fixer-upper

You're probably looking at minimum $400k to do your remodel on a run down house in a VHCOL area, plus you'll have to rent during your remodel work plus deal with all the contractor issues and disputes and time sink that will be virtually unavoidable. (Been there done that)
by renter
Sat Sep 17, 2016 5:02 pm
Forum: Personal Consumer Issues
Topic: Sawzall and Batt Operated tools questions?
Replies: 25
Views: 1755

Re: Sawzall and Batt Opertated tools questions?

Be very careful with the long blade cutting branches. Depending on what you're cutting the blade can bend and seize up and injure you. I had a close scare once doing that. Use a quality chain saw on thicker branches.
by renter
Mon Sep 12, 2016 10:32 pm
Forum: Investing - Theory, News & General
Topic: Moving company 401k from MassMutual to Vanguard
Replies: 7
Views: 1028

Re: Moving company 401k from MassMutual to Vanguard

Thanks for the replies. I can't wait for us to get out of MM.
by renter
Sun Sep 11, 2016 10:29 pm
Forum: Investing - Theory, News & General
Topic: Moving company 401k from MassMutual to Vanguard
Replies: 7
Views: 1028

Re: Moving company 401k from MassMutual to Vanguard

Watty, thank you. Do you recall, or were you able to tell, if the funds were out of the markethree during the transition? I'm assuming the funds need to be out of the market at least 1 day to sell the old fund, then buy a new fund at the new place? Obviously I'd hate it if we sold low and bought hig...
by renter
Sun Sep 11, 2016 9:41 pm
Forum: Investing - Theory, News & General
Topic: Moving company 401k from MassMutual to Vanguard
Replies: 7
Views: 1028

Moving company 401k from MassMutual to Vanguard

I've successfully lobbied my company to migrate the 401k from MassMutual to Vanguard. The new VG fund line up is superior and far less expensive than MM. I understand the transition paperwork is now in process.. I'm wondering if anyone has been through the MassMutual to Vanguard migration before and...
by renter
Wed Sep 07, 2016 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Moving coverage from State Farm to GEICO
Replies: 16
Views: 1996

Re: Moving coverage from State Farm to GEICO

I've been thinking about doing the same thing but haven't gotten around to exploring the complete potential savings yet. One thing that bugs me about State Farm, and maybe it's not unique to State Farm, is that they can't put all of my insurance billing for cars, house, umbrella on a single consolid...
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: 593

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: 35
Views: 5446

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: 541

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: 1528

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: 4197

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: 787

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: 787

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: 1130

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: 1222

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: 1615

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: 2052

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: 4950

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: 10905

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: 1930

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: 9384

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: 8035

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: 4939

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: 1364

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: 8376

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: 250
Views: 27457

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: 667
Views: 36544

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: 4020

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: 576

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: 7453

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.