Search found 270 matches

by renter
Fri Jan 29, 2016 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: EJones Advisor wants to talk!
Replies: 83
Views: 5777

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: 85
Views: 670

Re: Vanguard.com

ditto
by renter
Mon Jan 11, 2016 11:36 pm
Forum: Investing - Theory, News & General
Topic: 2016 Boglehead Contest Analysis
Replies: 7
Views: 741

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: 6697

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: 126
Views: 4203

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: 646
Views: 14444

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: 2359

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: 463

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: 5205

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: 4367

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: 352

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: 1974

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: 1974

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: 1974

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: 4643

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: 1361

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: 1080

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: 1086

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: 453

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: 453

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: 453

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: 453

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: 453

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: 139

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: 12284

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: 3219

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: 6085

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: 1115

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: 1115

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: 991

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: 18
Views: 2400

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: 3222

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: 3876

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: 4700

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: 4700

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...
by renter
Thu Apr 23, 2015 11:48 pm
Forum: Investing - Theory, News & General
Topic: A Great List of Useless Financial Porn Phrases
Replies: 30
Views: 4700

Re: A Great List of Useless Financial Porn Phrases

"You have $1 million saved but the the computer says your Magic Number is $4 million. You can't afford not to use me."
by renter
Tue Apr 21, 2015 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: Best home mortgage lenders?
Replies: 26
Views: 3569

Re: Best home mortgage lenders?

I shopped around a lot and got the best rate from my credit union.
by renter
Sun Apr 12, 2015 11:31 am
Forum: Personal Consumer Issues
Topic: Kitchen upgrade - granite selection help
Replies: 52
Views: 5365

Re: Kitchen upgrade - granite selection help

Try Taj Mahal. More pricy but classy and goes with lots of colors.
by renter
Thu Apr 02, 2015 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Letter from Lawyer to enter my property to construct road
Replies: 39
Views: 7182

Re: Letter from Lawyer to enter my property to construct roa

If you hire a lawyer to review and respond to the letter, be sure you hire a lawyer that that does real estate litigation. A response letter from him will carry far more authority and gravitas than one from some random lawyer dude. It will also suggest that you're ready, willing and able to do battl...
by renter
Wed Apr 01, 2015 10:54 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 227
Views: 31497

Re: Bogleheads 2015 Hedge Fund Contest

Ahem... PocketLiner (the #2) is from me, renter, not Cayman.
by renter
Tue Mar 17, 2015 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: How Much To Negotiate Realtor Commission
Replies: 31
Views: 3254

Re: How Much To Negotiate Realtor Commission

I would strongly consider Redfin. I used Redfin when I bought my house, and it was a terrific experience, plus $12k in my pocket within days of closing, with a letter saying it wasn't taxable income per an IRS ruling. Paid for all new appliances. I will use them again..
by renter
Mon Mar 09, 2015 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for a 401k plan with mega backdoor ROTH
Replies: 8
Views: 1061

Looking for a 401k plan with mega backdoor ROTH

I work at a company with 15 people, growing a few people a year. Our 401k is full of overpriced funds and we want to change to a less expensive provider. We’re certainly going to look into Vanguard assuming they will accept a company the size of ours. But since we’re in the market for a new plan any...
by renter
Thu Feb 26, 2015 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford my dream house?
Replies: 49
Views: 5131

Re: Can I afford my dream house?

I was in a very similar situation when we bought our house. We were lucky that prices had softened when we bought. Rather than buy the most house we could afford, we bought an adequate house in the best school district and had provisioned a 2 year cash emergency fund set aside in case of job loss or...
by renter
Sat Feb 21, 2015 12:12 am
Forum: Personal Consumer Issues
Topic: Pick-Pockets
Replies: 63
Views: 6609

Re: Pick-Pockets

After a quick call, I put my cell phone in my backpack and started walking up a street. About five minutes later I took off my backpack and noticed that someone had unzipped it and removed my cell phone! I was shocked! I was in a downtown area in China but it wasn't terribly crowded and I hadn't bee...
by renter
Fri Feb 20, 2015 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Are banks required to deposit third party endorsed checks?
Replies: 52
Views: 18588

Re: Are banks required to deposit third party endorsed check

If it were me I'd just deposit it in the ATM.
by renter
Sun Jan 18, 2015 10:50 pm
Forum: Investing - Theory, News & General
Topic: Suze Orman: $100 into $860k, and cfiresim
Replies: 47
Views: 6090

Re: Suze Orman: $100 into $860k, and cfiresim

You're average dude investor that's invested 100% in stocks will likely sell during a market/decline panic, and could even lose principal.
by renter
Tue Jan 13, 2015 11:23 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle and I-Bonds
Replies: 10
Views: 1525

Re: Jack Bogle and I-Bonds

I have a good chunk in I bonds, but also have a good chunk in my traditional 401k. I wonder if I'm setting myself up for a tax time bomb 30 years down the road with RMD's + 30 years of interest to pay on each maturing bond. OTOH, a tax time bomb might also mean a "good problem to have".
by renter
Tue Jan 13, 2015 9:24 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle and I-Bonds
Replies: 10
Views: 1525

Re: Jack Bogle and I-Bonds

Does anyone know if Jack Bogle has publicly expressed an opinion about Series I Bonds? I searched and couldn't find anything. I've known Jack since 2000 and I've never heard him mention or discuss I Bonds. If he's been silent, can we safely infer that he's not a fan of them, or does not like them?
by renter
Tue Jan 13, 2015 9:17 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle and I-Bonds
Replies: 10
Views: 1525

Jack Bogle and I-Bonds

Does anyone know if Jack Bogle has publicly expressed an opinion about Series I Bonds? I searched and couldn't find anything.
by renter
Mon Jan 05, 2015 8:46 pm
Forum: Personal Consumer Issues
Topic: Accepting counter-offer to stay at job
Replies: 72
Views: 7433

Re: Accepting counter-offer to stay at job

All things considered, based on my intuition and the facts you've presented, I suspect taking the new job is likely the best long term move.

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