Search found 39 matches

by wstrdg
Tue May 23, 2017 10:55 am
Forum: Investing - Theory, News & General
Topic: Lazy way to increase returns on cash in Vanguard
Replies: 15
Views: 788

Re: Lazy way to increase returns on cash in Vanguard

PurePoint Financial online savings is paying 1.25%
by wstrdg
Mon May 22, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: Luxury Vinyl: Educate Me
Replies: 13
Views: 1598

Re: Luxury Vinyl: Educate Me

We were delighted with how easily LV cleans. A dash of vinegar and a drop or two of dish detergent in a bucket of warm water, mop, then mop again with clean water to rinse. Sparkling clean! Durable, difficult to scratch. You can use standard, tinted wood filler for any deep nicks. Up close, it doesn...
by wstrdg
Fri May 05, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Fairness in College Savings
Replies: 47
Views: 2889

Re: Fairness in College Savings

+1 for 529 plans We used the Vanguard 529 plan (state of Nevada). We enjoyed the flexibility of shifting unused funds from one child (who had free scholarship money and a paid graduate education) to another child who pursued professional school after college. Maybe one of your donees will pursue gra...
by wstrdg
Thu May 04, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy for Mortgage Downpayment < 20%
Replies: 28
Views: 1582

Re: Strategy for Mortgage Downpayment < 20%

If you have the cash to put 20% down, still maintain 5 months of expenses in an emergency fund after you close, and have the ability to build back up your cash reserves to wherever it is you want them in around 4 months then I don't see what the issue is? I think you are being extremely overly caut...
by wstrdg
Sun Apr 23, 2017 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a home in the Bay Area
Replies: 28
Views: 3345

Re: Buying a home in the Bay Area

For resale value (and maybe that baby-to-be), school quality is extremely important, maybe more so in the Bay Area than in other places because there are so many (small) school districts. Check out Castro Valley, just a few miles down the road from San Leandro, and also on BART. Remember that BART b...
by wstrdg
Fri Mar 31, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: Is Craigslist still the main site to sell stuff locally?
Replies: 51
Views: 4814

Re: Is Craigslist still the main site to sell stuff locally?

+1 for Nextdoor. Especially useful to give stuff away or sell very cheaply. Goes fast in my neighborhood.
by wstrdg
Sun Mar 26, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: Buying Sunglasses
Replies: 44
Views: 4721

Re: Buying Sunglasses

+1 for Zenni. Great prices & great quality.
by wstrdg
Tue Mar 21, 2017 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Child Planning Checklist
Replies: 42
Views: 3047

Re: Child Planning Checklist

A portable playpen may be more useful than a crib. When the baby starts to try to climb out, transition to a twin-size mattress on the floor. If the baby rolls off the mattress, no injury. As far as dressers go, we bought Elfa basket/frame units when our children were toddlers (20-25 yrs ago). They ...
by wstrdg
Sat Mar 11, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Cuttting the cable tv negotiation & the scam
Replies: 33
Views: 3325

Re: Cuttting the cable tv negotiation & the scam

flyingbison: Our media entertainment now comes from Amazon, Netflix, broadcast TV (only for local news/weather and PBS), and the public library +1. The Mohu Leaf antenna works well in our (very hilly) area. We attached it to a window (great asthetic, too!) We also use Redbox, but in our experience, ...
by wstrdg
Wed Mar 01, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 81
Views: 5431

Re: What Car Should I Buy My Daughter as a Graduation Present

And if she even wants a car in the first place?And if she even wants a car in the first place? +1 First son has a car and bikes/takes bus to work bc there is no parking Second son has a car and bikes/takes train to work bc traffic is a nightmare and no parking Daughter made it thru grad school with...
by wstrdg
Sun Feb 26, 2017 5:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 64
Views: 10938

Re: Vanguard opens special offices for $1 million clients

It seems that crossing the $1 million mark does not automatically upgrade your household to Flagship. My Personal Advisor said that the system periodically reviews and offers upgrades but otherwise you need to request the upgrade when your math shows that you qualify.
by wstrdg
Fri Feb 24, 2017 8:11 pm
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 53
Views: 8397

Re: PurePoint 1.25% online savings $10K min

Gronnie asked: How long do ACH transactions to/from take, are there any fees, etc? I opened my account in less than 5 minutes. They didn't seem to do a soft credit pull (no questions), and they didn't do the typical microdeposits to link the transferring bank. I got immediate email confirmation. He...
by wstrdg
Fri Feb 24, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Best high-interest checking/savings account?
Replies: 10
Views: 1014

Re: Best high-interest checking/savings account?

PurePoint 1.25% 10K minimum. Owned by Mitsubishi. FDIC insured. Some brick & mortar locations west of the Rockies.
by wstrdg
Fri Feb 24, 2017 2:37 pm
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 53
Views: 8397

Re: PurePoint 1.25% online savings $10K min

Who is PurePoint?
Our parent company, Mitsubishi UFJ Financial Group (MUFG), is the 5th largest bank in the world with total assets of over $2.4 trillion.


FDIC insured
by wstrdg
Fri Feb 24, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: Is it safe to use an antique mold pan?
Replies: 10
Views: 1098

Re: Is it safe to use an antique mold pan?

Might contain lead, cadmium, copper salts: https://www.chowhound.com/post/risks-vintage-cookware-838224

Hang it on your wall as art.
by wstrdg
Wed Feb 22, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Overestimated income on 2017 ACA application
Replies: 4
Views: 403

Re: Overestimated income on 2017 ACA application

We also have wildly variable annual income. In our case, we overestimated for 2016, resulting in a bigger refund after filing our 2016 tax return. And we underestimated income for 2017 when we re-enrolled in late 2016. We paid our first 2017 premium (for January 2017) in October 2016, with a big sub...
by wstrdg
Sat Feb 18, 2017 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on girlfriend debt/finances
Replies: 82
Views: 7725

Re: Need advice on girlfriend debt/finances

+1 We were all formerly childless.
by wstrdg
Thu Feb 16, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella 1 million $500
Replies: 32
Views: 2490

Re: Umbrella 1 million $500

If you raise the liability on your auto policy first, then you may find a separate PUP cheaper.


Good idea but our agent says we are at the max on underlying auto.
by wstrdg
Thu Feb 16, 2017 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella 1 million $500
Replies: 32
Views: 2490

Re: Umbrella 1 million $500

A good provider of umbrella insurance is RLI. I have included a link below that you can use to get a quote online.


Thanks for the link. The online quote was $613/year. Our agent said our zipcode was a high rate area -- guess she wasn't kidding.
by wstrdg
Thu Feb 16, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella 1 million $500
Replies: 32
Views: 2490

Re: Umbrella 1 million $500

Rates depend upon how many cars you own, how many drivers you have in your home and if there are any younger drivers


Two middle-aged adult drivers only. Two old cars. No tickets, claims, etc.
We do own a house and 2 condos, but that only adds about $60. The condos are owner-occupied, not rentals.
by wstrdg
Thu Feb 16, 2017 1:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard personal advisor gone AWOL
Replies: 3
Views: 1189

Vanguard personal advisor gone AWOL

Had a very nice telephone consultation with Vanguard personal advisor in late January. She said she would send our plan to our Vanguard message box, and she scheduled a follow-up for 2 weeks later. I had to reschedule the follow-up for a later date -- because the plan has not yet arrived in my messa...
by wstrdg
Thu Feb 16, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella 1 million $500
Replies: 32
Views: 2490

Umbrella 1 million $500

We've been shopping umbrella coverage. Definitely want excess uninsured/underinsured motorist coverage, as we figure that's our greatest risk. We have underlying autos at 250K/500K. $500/year seems really high. We don't have a pool, boat, plane, etc. And this excludes any business coverage (we're re...
by wstrdg
Tue Feb 14, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Kids in Apartment Sharing Bedroom - Workable?
Replies: 55
Views: 3683

Re: Kids in Apartment Sharing Bedroom - Workable?

Kids don't care. And they may prefer to be together. We split our 3 among 2 bedrooms based on gender -- but our youngest refused to sleep in a room alone. So we moved her in with a brother. And the big bro got his own room. Don't be surprised if your kids PREFER rooming together. If you don't tell t...
by wstrdg
Mon Feb 13, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Windshield repair gone wrong....
Replies: 19
Views: 2350

Re: Windshield repair gone wrong....

Replace. Reputable repair won't leak. We had ours done after 15 years and even with all that sun damage on the seals, it's just fine. Leave the tape on for the recommended time -- then remove it gently.
by wstrdg
Mon Feb 13, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: New car for wife and what to do with old car
Replies: 48
Views: 2666

Re: New car for wife and what to do with old car

Since you have children, check out this website, Institute of Highway Safety for 2 factors: (1) crash worthiness & (2) crash avoidance/mitigation http://www.iihs.org/iihs/ratings We are a Honda family, but this site convinced us that Subaru Forester beat the Honda CRV when it came to safety.
by wstrdg
Sat Feb 11, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: Convince Wife for Honda Odyssey
Replies: 48
Views: 2901

Re: Convince Wife for Honda Odyssey

Rent one for a week. Everyone is against a minivan until they actually use one. +1 But make sure you rent a Honda Odyssey, not a different make/model. That may be a challenge. We've rented Dodge, Chrysler, Chevrolet minivans and they aren't equivalent at all. We still drive our 2000 Odyssey (bought...
by wstrdg
Thu Feb 09, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: First Steps in My Retirement Planning
Replies: 4
Views: 689

Re: First Steps in My Retirement Planning

Shop around for student loan refinancing. You might do better. SoFi is a good place to start. https://www.sofi.com/refinance-student-loan/refinance-student-loan-rates/
by wstrdg
Thu Feb 09, 2017 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Eating an Elephant Need Advice [Portfolio help]
Replies: 11
Views: 2433

Re: Eating an Elephant Need Advice

+1 5. Breaking up with your FA: don't tip your hand. No need to discuss it with the FA. If the FA knows you're bolting the barn, you may find yourself pitched lots of stuff that can delay the move. My FA (actually my deceased parent's) actually suggested that I should leave bonds with her for a few ...
by wstrdg
Thu Feb 09, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Innovations in residential home buy/sell market
Replies: 0
Views: 256

Innovations in residential home buy/sell market

http://www.lendacademy.com/buying-selling-financing-homes-changing/

Innovations discussed include lower downpayment to shared equity schema to middleman-buyer to guaranteed-sale
by wstrdg
Tue Feb 07, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Transition from private insurance to Medicare
Replies: 21
Views: 1429

Re: Transition from private insurance to Medicare

Make an appt with these folks before you turn 65. http://www.seniorsresourceguide.com/directories/National/SHIP/ I once was a volunteer counselor with my state's SHIP (Health Insurance Assistance Program ): "SHIP is a free health benefits counseling service for Medicare beneficiaries and their ...
by wstrdg
Tue Feb 07, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Please help with real estate question
Replies: 40
Views: 2547

Re: Please help with real estate question

The problem with that are the realtor fees and closing costs, which are substantial. No realtor required. National Family Mortgage charges a flat fee of about $1700. Value of the house is well below the lifetime gift allowance. Why not have them gift it to me? Run the numbers both ways. Question: i...
by wstrdg
Tue Feb 07, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Please help with real estate question
Replies: 40
Views: 2547

Re: Please help with real estate question

Consider purchasing the house from your parents in an arm's length/fair market value transaction. They can pay off their mortgage with the proceeds (assuming they have some equity). You get the tax benefits of deducting mortgage interest and property taxes. Your parents have an income stream from yo...
by wstrdg
Mon Feb 06, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Independent Contracting/Side Work
Replies: 5
Views: 657

Re: Independent Contracting/Side Work

You can wait until year-end to adjust your withholding, after you have a handle on your net income figure. Withholding is treated as paid ratably, regardless of when you adjust it via Form W-4. That's the beauty of this method.
by wstrdg
Mon Feb 06, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: First time home buyer advice
Replies: 16
Views: 1560

Re: First time home buyer advice

Agree with everything taguscove said, except #3. Title insurance protects the largest one-shot investment you will probably ever make, and it will reveal easements, etc that may not be apparent to your naked eye. Consider Redfin to lower your broker's fee. They don't operate in all areas, but they a...
by wstrdg
Mon Feb 06, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Independent Contracting/Side Work
Replies: 5
Views: 657

Re: Independent Contracting/Side Work

There is no requirement to pay quarterly taxes, as such. The IRS however, will impose an underpayment penalty if the amount of tax you have paid during the year (withholding from wages and other sources + quarterly estimated tax payments + overpayment applied from prior year) is less than 90% of you...
by wstrdg
Sat Feb 04, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: What bulk nuts do you buy and from where?
Replies: 26
Views: 2456

Re: What bulk nuts do you buy and from where?

Trader Joe's for seeds (sunflower, pumpkin)
Costco for most other (cashew, pecan, walnut, almond)
https://nuts.com/ for brazil nuts

I avoid the bulk/bag-it-yourself stuff at Sprouts bc I've seen other customers do some very unsanitary stuff, like digging around with bare hands :shock:
by wstrdg
Sun Jan 29, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2314
Views: 688486

Re: What Book Are You Currently Reading? Part VI

The Case Against Sugar, Gary Taubes.

Dense and compelling case that based on history and science, sugar is a toxin. Consumption of any amount may not be safe. It sounds like a crazy hypothesis, but Taubes supports it well.

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