Search found 78 matches

by thefoggycity
Sat May 27, 2017 10:08 am
Forum: Investing - Help with Personal Investments
Topic: EE and I Bonds
Replies: 7
Views: 551

EE and I Bonds

Could someone clarify, is it possible to buy $10,000 per calendar year of I Bonds AND EE bonds for a total of 20k per year?

Also, if we are 20 or so years away from retirement, are EE bonds a wise choice to supplement an early retirement?

Thank you!
by thefoggycity
Sat Apr 29, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Time and Materials Vs. Flat Bid
Replies: 10
Views: 684

Re: Time and Materials Vs. Flat Bid

In your experience when does it make sense to go the route of either time and materials versus a flat bid with a contractor? When the overall schedule & requirements are well known and funds are allotted, I would go with a fixed price. If requirements and/or schedule are not well known or are v...
by thefoggycity
Sat Apr 29, 2017 8:40 am
Forum: Personal Consumer Issues
Topic: Time and Materials Vs. Flat Bid
Replies: 10
Views: 684

Re: Time and Materials Vs. Flat Bid

lthenderson wrote:For building a deck, I would look for a flat bid since it would be a straightforward job without much potential for hidden surprises and easily calculable for material costs.


Makes sense, thank you.
by thefoggycity
Thu Apr 27, 2017 9:11 am
Forum: Personal Consumer Issues
Topic: Time and Materials Vs. Flat Bid
Replies: 10
Views: 684

Re: Time and Materials Vs. Flat Bid

In your experience when does it make sense to go the route of either time and materials versus a flat bid with a contractor? What criteria do you use to determine which course of action is the best? What are the pros and cons of each? A contractor to build a house or do a small dry walling job? It ...
by thefoggycity
Thu Apr 27, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Time and Materials Vs. Flat Bid
Replies: 10
Views: 684

Time and Materials Vs. Flat Bid

In your experience when does it make sense to go the route of either time and materials versus a flat bid with a contractor?

What criteria do you use to determine which course of action is the best?

What are the pros and cons of each?
by thefoggycity
Thu Apr 27, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: Hourly rate for carpenter?
Replies: 15
Views: 1691

Re: Hourly rate for carpenter?

why3not wrote:are you paying them to do work for you as a homeowner or are you hiring them as employees?

for a homeowner, the going rates in my city are about 2x what Saving$ posted


As a homeowner. Need dry rot replaced.
by thefoggycity
Wed Apr 26, 2017 10:31 pm
Forum: Personal Consumer Issues
Topic: How to find a good local mechanic?
Replies: 19
Views: 905

Re: How to find a good local mechanic?

Go to Car Talk's website and see what Click and Clack recommend for your zip code.
by thefoggycity
Wed Apr 26, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: Hourly rate for carpenter?
Replies: 15
Views: 1691

Hourly rate for carpenter?

I know this may depend on one's neighborhood of residence and region of the country they reside in, but what have other BHs paid carpenters as an hourly rate?
by thefoggycity
Mon Apr 24, 2017 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Single Premium Immediate Annuity
Replies: 16
Views: 1430

Single Premium Immediate Annuity

Bogleheads, 1) What are the pros and cons to purchasing an SPIA at or near retirement? 2) Is there a rule of thumb about what percentage of one's portfolio to invest in an SPIA? 3) Would it ever make sense to purchase a single premium DEFERRED annuity to fund/supplement early retirement? Thanks for ...
by thefoggycity
Fri Apr 21, 2017 10:20 am
Forum: Investing - Theory, News & General
Topic: Single most important investing advice?
Replies: 96
Views: 11041

Single most important investing advice?

If you could identify the single most important investing advice you received or carried out, what would that be?

I think mine would be "start investing early".
by thefoggycity
Tue Apr 18, 2017 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Where to park $80,000?
Replies: 8
Views: 1574

Re: Where to park $80,000?

Thanks, everyone.
by thefoggycity
Mon Apr 17, 2017 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park $80,000?
Replies: 8
Views: 1574

Where to park $80,000?

Hello, Bogleheads, My wife and I have saved up $80,000 that we'd like to use for future capital improvements on our old home. Currently are in the process of repairing extensive dry rot and will need some if it available now. Future known improvements will be replacing some windows and rebuilding ba...
by thefoggycity
Fri Apr 14, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: Same branded components for home theater?
Replies: 35
Views: 2066

Re: Same branded components for home theater?

Actually, you are better off Not using HDMI for audio, as the good old analog path is more natural. That is what my ears tell me from a lot of experimenting. Just connect the Cable or Satellite box to the receiver/amp via the analog connections. Keep the old Kenwood if if sounds good to you and may...
by thefoggycity
Thu Apr 06, 2017 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Replicating TSM
Replies: 1
Views: 177

Replicating TSM

Hi everyone,

My 403B has limited offerings and in lieu of a total stock market index what do you think about breaking up my contributions between a 400, 500, and 600 fund to try and replicate TSM?
by thefoggycity
Wed Apr 05, 2017 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: Tax implications for large re-balance
Replies: 17
Views: 941

Re: Tax implications for large re-balance

Thanks, everyone. I realize that I don't have all the information needed to get a clearer picture but appreciate the responses nonetheless.

Thank you.
by thefoggycity
Tue Apr 04, 2017 12:25 am
Forum: Investing - Help with Personal Investments
Topic: Tax implications for large re-balance
Replies: 17
Views: 941

Re: Tax implications for large re-balance

So, capital gains taxes would only apply if they liquidated?
by thefoggycity
Tue Apr 04, 2017 12:22 am
Forum: Investing - Help with Personal Investments
Topic: Tax implications for large re-balance
Replies: 17
Views: 941

Re: Tax implications for large re-balance

Mostly rollover iras and 401k. Are Vanguard representatives at liberty to give an idea about expected taxes?
by thefoggycity
Tue Apr 04, 2017 12:15 am
Forum: Investing - Help with Personal Investments
Topic: Tax implications for large re-balance
Replies: 17
Views: 941

Re: Tax implications for large re-balance

The large majority is in tax deferred.
by thefoggycity
Tue Apr 04, 2017 12:09 am
Forum: Investing - Help with Personal Investments
Topic: Tax implications for large re-balance
Replies: 17
Views: 941

Tax implications for large re-balance

Hello everyone, I recently spent the weekend with my parents who mentioned that they were long overdue to rebalance their portfolio. They're in their early 70s and have over 60% of their portfolio in stocks and would like to shift that to about 30%. Considering they're nest egg is 6M, what are the t...
by thefoggycity
Fri Jan 06, 2017 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 58
Views: 4432

Re: Anybody else Age - 10 in bonds, rest in stocks

Age 66 Currently 70/30 Was 90/10 from age 29-58 No risk No reward It is has,and continues be an enjoyable ride :happy Coincidence that you shifted 20% of assets to bonds in 08-09 or did you get a little spooked? Not spooked at all,,,as a matter of fact,,delighted. Buy when others panic.low prices. ...
by thefoggycity
Fri Jan 06, 2017 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 58
Views: 4432

Re: Anybody else Age - 10 in bonds, rest in stocks

Toons wrote:Age 66
Currently
70/30
Was 90/10 from age 29-58
No risk
No reward
It is has,and continues be an enjoyable ride
:happy


Coincidence that you shifted 20% of assets to bonds in 08-09 or did you get a little spooked?
by thefoggycity
Fri Jan 06, 2017 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 58
Views: 4432

Anybody else Age - 10 in bonds, rest in stocks

Just curious if any others hold this AA.
by thefoggycity
Sun Jan 01, 2017 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Contribution Limits
Replies: 2
Views: 384

Re: HSA Contribution Limits

Got it, thanks!
by thefoggycity
Sun Jan 01, 2017 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Contribution Limits
Replies: 2
Views: 384

HSA Contribution Limits

Happy New Year, HSA question for the community: My employer contributes monthly to my HSA and the contribution limits for a family this year are $6750, am I allowed to contribute $6750 of my own money on top of employer contributions or only allowed to contribute the difference between the maximum c...
by thefoggycity
Tue Dec 27, 2016 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: How does our retirement savings look?
Replies: 6
Views: 1050

Re: How does our retirement savings look?

CoAndy wrote:Looks great. Just keep doing what you're doing. :sharebeer


We appreciate the positive feedback, thank you.
by thefoggycity
Tue Dec 27, 2016 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: How does our retirement savings look?
Replies: 6
Views: 1050

Re: How does our retirement savings look?

In my opinion you have done well. Nice portfolio in low cost index funds. Holding all bonds in tax deferred. Decent emergency fund. What's not to like? As CoAndy said, Keep doing what you are doing. :happy Personally, I would add International stocks but that is just me. It seems to me that you hav...
by thefoggycity
Tue Dec 27, 2016 11:15 am
Forum: Investing - Help with Personal Investments
Topic: How does our retirement savings look?
Replies: 6
Views: 1050

How does our retirement savings look?

Happy Holidays, everyone. My wife and I were hoping to get some feedback from the forum on our current savings. Any feedback is greatly appreciated. Tax Filing Status: Married, Joint Tax Rate: 28% Federal, 9.3% State State of Residence: CA My Age: 37, Spouse's Age: 35 Desired Asset Allocation: 75% s...
by thefoggycity
Mon Dec 26, 2016 11:06 am
Forum: Investing - Help with Personal Investments
Topic: SPIA?
Replies: 5
Views: 648

SPIA?

Hello everyone,

Short of calling Vanguard, is there anyway to determine the approximate amount a $110,000 SPIA would deliver monthly to a 72-year-old?

Wasn't sure if there was a Calculator out there were some other way of getting a ballpark estimate.

Thank you, and happy holidays!
by thefoggycity
Mon Dec 19, 2016 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice for Worried 70 years olds
Replies: 9
Views: 1491

Re: Portfolio Advice for Worried 70 years olds

Thank you for your replies, everyone. Very helpful!
by thefoggycity
Sun Dec 18, 2016 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice for Worried 70 years olds
Replies: 9
Views: 1491

Re: Portfolio Advice for Worried 70 years olds

Great advice, Taylor.

Thank you, and Happy Holidays.
by thefoggycity
Sun Dec 18, 2016 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice for Worried 70 years olds
Replies: 9
Views: 1491

Portfolio Advice for Worried 70 years olds

Hello Bogleheads, What advice would you give to a married couple in their early 70s who are worried about a future market crash? I am referring to my parents who have 70% of their portfolio in bonds and 30% of their portfolio in equities. Have stated my opinions and encouraged them not to sell stock...
by thefoggycity
Sat Nov 19, 2016 5:12 pm
Forum: Personal Consumer Issues
Topic: Ethernet Question
Replies: 12
Views: 1638

Ethernet Question

Hello everyone: Tech question for you. I would like to connect my two airport express and extend network via ethernet cable. The only caveat is that the ethernet must run out the window of the office on the first floor and come in through basement. So, what are your recommendations for an outdoor us...
by thefoggycity
Sat Sep 03, 2016 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Help with potential lawsuit
Replies: 32
Views: 3221

Re: Help with potential lawsuit

As said, you're probably fine and let USAA take care of it. I go through USAA for my auto insurance... and have an umbrella policy with them. If you go the umbrella route, USAA will set or adjust your liability limits to what they say you need for the umbrella policy anyway. Prior to getting the um...
by thefoggycity
Sat Sep 03, 2016 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Help with potential lawsuit
Replies: 32
Views: 3221

Re: Help with potential lawsuit

LarryAllen wrote:As stated USAA should handle it so I wouldn't worry.

It is rare that lawsuits exceed insurance coverage.

As others have said do bump your coverage and FOR SURE get a couple mil umbrella.

Good luck!


Will do! Thank you for the support.
by thefoggycity
Sat Sep 03, 2016 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Bodily Injury Coverage
Replies: 9
Views: 1125

Bodily Injury Coverage

How much do you carry with your auto insurance?
by thefoggycity
Sat Sep 03, 2016 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Help with potential lawsuit
Replies: 32
Views: 3221

Re: Help with potential lawsuit

You say "everything was settled months ago", but that the other driver is now claiming personal injury. In what way was it "settled?" Did your insurance company pay the other driver for either damage to his vehicle, or his personal injuries, or both? If so, did the insurance com...
by thefoggycity
Sat Sep 03, 2016 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Help with potential lawsuit
Replies: 32
Views: 3221

Re: Help with potential lawsuit

We have discovered that throughout this process, we need to bump up our bodily injury coverage in the future, as ours is pretty low. Any advice, however, about how best to proceed? We're a little scared that we may be taken to court and personally liable for damages that exceed our coverage. In gen...
by thefoggycity
Sat Sep 03, 2016 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Help with potential lawsuit
Replies: 32
Views: 3221

Re: Help with potential lawsuit

This is why you have insurance. It is a little scary and new to you but USAA sees this every day. If you have significant assets or income you should look into an umbrella policy. A $1M or $2M umbrella policy is not very expensive (which means the insurance companies don't pay out those amounts ver...
by thefoggycity
Sat Sep 03, 2016 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Help with potential lawsuit
Replies: 32
Views: 3221

Re: Help with potential lawsuit

USAA will handle it. No need to hire a lawyer because they'll hire one for you. This is a good opportunity to examine your insurance coverage and determine whether an umbrella policy would be appropriate (sounds like it would be). I agree it's unlikely anyone will go after you personally - they jus...
by thefoggycity
Sat Sep 03, 2016 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Help with potential lawsuit
Replies: 32
Views: 3221

Re: Help with potential lawsuit

You say "everything was settled months ago", but that the other driver is now claiming personal injury. In what way was it "settled?" Did your insurance company pay the other driver for either damage to his vehicle, or his personal injuries, or both? If so, did the insurance com...
by thefoggycity
Sat Sep 03, 2016 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Help with potential lawsuit
Replies: 32
Views: 3221

Help with potential lawsuit

Hello, everyone: I was hoping I could get some sound advice about a predicament my wife and I find ourselves in related to an auto accident last year. One year ago, my wife was in her car, with our infant daughter in the back seat. She was a few blocks from home and at a stoplight. She turned around...
by thefoggycity
Fri Aug 12, 2016 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: CA Property Tax Question
Replies: 6
Views: 851

Re: CA Property Tax Question

Hello, everyone: This question is about inheriting a home from family in CA. What would happen to property tax if this occurred assuming we moved into the home? Thank you! As a general rule, you get to inherit your parent's property tax basis. It doesn't matter if you occupy it or rent it. Dependin...
by thefoggycity
Fri Aug 12, 2016 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: CA Property Tax Question
Replies: 6
Views: 851

Re: CA Property Tax Question

Artsdoctor wrote:Your parents?

Take a look:

http://www.boe.ca.gov/proptaxes/faqs/pr ... ns58.htm#1


Thank you.
by thefoggycity
Thu Aug 11, 2016 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: CA Property Tax Question
Replies: 6
Views: 851

Re: CA Property Tax Question

Thank you for your response. From the little I know about Prop 58, I believe we would be eligible.
by thefoggycity
Thu Aug 11, 2016 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: CA Property Tax Question
Replies: 6
Views: 851

CA Property Tax Question

Hello, everyone:

This question is about inheriting a home from family in CA. What would happen to property tax if this occurred assuming we moved into the home?

Thank you!
by thefoggycity
Fri Oct 09, 2015 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Advice needed with new employer's 403b fund options
Replies: 7
Views: 572

Re: Advice needed with new employer's 403b fund options

Sure! Thanks for asking. They're: Pimco Income A fund JP Morgan Core Plus Bond A Fund Principal LifeTime Strategic Income RS Fund Principal LifeTime (2010-2060) Invesco Diversified Dividend A Fund Large Cap S & P 500 Index R5 Fund MFS Growth R3 Fund MFS Mid Cap Value R3 Fund Mid Cap S & P 40...
by thefoggycity
Wed Oct 07, 2015 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: Advice needed with new employer's 403b fund options
Replies: 7
Views: 572

Re: Advice needed with new employer's 403b fund options

Thanks again. I suppose one last option would be to invest 100% equities in the new employer plan (trying to mimic as much as possible a total stock index) and just adjust the asset allocation in my existing Vanguard Ira to reflect a 25% increase in bond holdings to keep my overall allocation how I ...
by thefoggycity
Wed Oct 07, 2015 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: Advice needed with new employer's 403b fund options
Replies: 7
Views: 572

Re: Advice needed with new employer's 403b fund options

Thank you! Would you give any consideration to their LifeTime funds, similar to Vanguard's Target funds? Upon closer inspection I'd most likely opt for a Principal Lifetime 2035 or 2040 instead of a 2045 based on my risk tolerance.
by thefoggycity
Wed Oct 07, 2015 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Advice needed with new employer's 403b fund options
Replies: 7
Views: 572

Advice needed with new employer's 403b fund options

Hi, everyone: I am currently working for a new employer who is offering a 403b with a 5% match, which is great news. The advice I am seeking is which funds to choose. I would like to try and mimic or come as close as possible to an asset allocation (and Vanguard equivalent) of 75% total stock market...
by thefoggycity
Sat Jul 04, 2015 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Advice needed with 403B transfer
Replies: 5
Views: 606

Re: Advice needed with 403B transfer

Thanks! Very helpful to see the pros and cons of each. I appreciate your help.

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