Search found 1767 matches

by Big Dog
Thu Jun 04, 2020 9:09 pm
Forum: Personal Consumer Issues
Topic: To what Broadband Speeds do you Subscribe and Why?
Replies: 29
Views: 1106

Re: To what Broadband Speeds do you Subscribe and Why?

100/10, which is the lowest that Cox offers in our area.
by Big Dog
Wed Jun 03, 2020 8:07 pm
Forum: Personal Investments
Topic: Anti-Vanguard Broker Experiment - So Far
Replies: 25
Views: 1771

Re: Anti-Vanguard Broker Experiment - So Far

Someone mentioned in a different thread that Vanguard has removed their phone number from their website! :oops: Is that just for non-customers, i.e., they want folks to try to transact new accounts online first? (I just logged into my account and the phone number is still top right. I still have a ...
by Big Dog
Wed Jun 03, 2020 10:28 am
Forum: Investing - Theory, News & General
Topic: Swedroe’s Bond Advice - no total bond index
Replies: 185
Views: 14244

Re: GNMAs

I do not find much credence to this argument against GNMAs. They are one of the safest and lowest risk bond investments available, in fact they are even lower risk than Treasury bonds if you look at variance as a measure of risk. You are completely missing the point. It is not about credit risk. It...
by Big Dog
Fri May 29, 2020 9:52 pm
Forum: Personal Investments
Topic: Should we get back into Wellsley and Wellington?
Replies: 14
Views: 1610

Re: Should we get back into Wellsley and Wellington?

Since you got spooked, I'd avoid Wellington. Either Wellesley or the more conservative Life Stategy Income fund.
by Big Dog
Thu May 28, 2020 7:37 pm
Forum: Personal Consumer Issues
Topic: Falcon 9 Launch to the International Space Station
Replies: 118
Views: 7223

Re: Falcon 9 Launch to the International Space Station

My understanding from NASA is the launch window today, for just a 19-hour transit, was only one second wide. Miss it and the astronauts would miss the ISS. Given the weather conditions they had no choice but to scrub at least until the next window on Saturday. Mean old Mr. Newton. PJW They should h...
by Big Dog
Mon May 25, 2020 5:44 pm
Forum: Personal Investments
Topic: CA tax treatment of HSA
Replies: 18
Views: 894

Re: CA tax treatment of HSA

A. you can invest in only non-state-taxable investments such as munis, treasuries, etc., which are not yielding much right now.
Yup, that's what I do with my Fido HSA. Just consider it part of my overall Asset Allocation.
by Big Dog
Fri May 22, 2020 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Financial advice for undertaking a PhD
Replies: 47
Views: 2941

Re: Financial advice for undertaking a PhD

Financial advice will depend upon what the PhD subject matter is. For instance, no graduate student in a science like chemistry, physics, biochemistry, molecular biology, and others would (or should!) ever pay to get a PhD. Instead, the university would pay them. Maybe not a lot, but enough to surv...
by Big Dog
Thu May 21, 2020 3:59 pm
Forum: Personal Consumer Issues
Topic: Tesla Y test drive
Replies: 37
Views: 3438

Re: Tesla Y test drive

deleted dupe, sorry
by Big Dog
Thu May 21, 2020 3:59 pm
Forum: Personal Consumer Issues
Topic: Tesla Y test drive
Replies: 37
Views: 3438

Re: Tesla Y test drive

deleted
by Big Dog
Thu May 21, 2020 3:58 pm
Forum: Personal Consumer Issues
Topic: Tesla Y test drive
Replies: 37
Views: 3438

Re: Tesla Y test drive

We test drove the Y yesterday, love the acceleration but was a little surprise at the interior noise at highway speed. We can’t decided if we should get it or wait until the RAV4- Prime is available for a test drive and see which we should get. Any Tesla owners have issue with interior noise? I hav...
by Big Dog
Wed May 20, 2020 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 65, Medicaire questions
Replies: 68
Views: 4156

Re: Turning 65, Medicaire questions

If you decide you don't like the supplement approach, you can revert to a Medicare Advantage plan during annual open enrollment without insurance underwriting. You can't go the other way (i.e. if you start with Medicare Advantage, you will need underwriting to change to a Medigap supplement). That ...
by Big Dog
Wed May 20, 2020 5:04 pm
Forum: Personal Investments
Topic: Social Security Questions
Replies: 7
Views: 943

Re: Social Security Questions

The old rule was kept in place for those born prior to Jan 2-54, so she is 6+months too young!
by Big Dog
Wed May 20, 2020 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Turning 65, Medicaire questions
Replies: 68
Views: 4156

Re: Turning 65, Medicaire questions

If you decide you don't like the supplement approach, you can revert to a Medicare Advantage plan during annual open enrollment without insurance underwriting. You can't go the other way (i.e. if you start with Medicare Advantage, you will need underwriting to change to a Medigap supplement). That ...
by Big Dog
Tue May 19, 2020 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Turning 65, Medicaire questions
Replies: 68
Views: 4156

Re: Turning 65, Medicaire questions

If you decide you don't like the supplement approach, you can revert to a Medicare Advantage plan during annual open enrollment without insurance underwriting. You can't go the other way (i.e. if you start with Medicare Advantage, you will need underwriting to change to a Medigap supplement). That ...
by Big Dog
Tue May 19, 2020 11:40 am
Forum: Personal Investments
Topic: Open Social Security strategy results question
Replies: 59
Views: 4106

Re: Open Social Security strategy results question

So, really not a big deal either way, but just wanted to understand why it would be the case. Ideally Social Security would be actuarial neutral so that whenever you start it you would get the same value adjusted for your life expectancy and interest rates. This would be like how a commercial annui...
by Big Dog
Tue May 19, 2020 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Turning 65, Medicaire questions
Replies: 68
Views: 4156

Re: Turning 65, Medicaire questions

Here's a start. https://www.bogleheads.org/wiki/Medicare Hmm, that BH website is dated and unclear, IMO. For example, "Fee-for-Service" is confusing as that term includes both Original Medicare and some Medicare Advantage plans. Moreover, the 'wrap-around' coverage seems to get short shrift as 50% ...
by Big Dog
Mon May 11, 2020 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Advice needed - sister's home in foreclosure - terminal cancer
Replies: 26
Views: 2845

Re: Advice needed - sister's home in foreclosure - terminal cancer

if you are close to your nephews and they are responsible, I'd pay off the $12k and the $95k (assuming the total balance due is $107k). Make your own note, at say 4% and file it against the house. Offer to rent to nephew for up to 6 months after his mom passes, at which point y'all sale the place, r...
by Big Dog
Thu May 07, 2020 10:38 pm
Forum: Investing - Theory, News & General
Topic: Called Vanguard - Account Statements
Replies: 26
Views: 1905

Re: Called Vanguard - Account Statements

I have my account setup for electronic reports -- so I don't recieve the monthly statements -- with the exception of the year-end tax reports which are mailed to my home. I keep a copy of the Dec 31 report with each tax return. (Yes, I know I could also download the annual reports and print them out...
by Big Dog
Wed May 06, 2020 1:24 pm
Forum: Investing - Theory, News & General
Topic: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of
Replies: 60
Views: 7907

Re: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of

maybe I'm an outlier but the author is correct on all his points. Yes, I get the issue of 'speculative investments', and as a former C-level company officer, I refused to allow speculative investments into our 401k plan. (HR reported to me.) But, as a result, two of our long time engineers, refused...
by Big Dog
Tue May 05, 2020 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Stay employee and take a pay cut or go to contractor?
Replies: 13
Views: 803

Re: Stay employee and take a pay cut or go to contractor?

Stay an employee. btw: if I understand the situation correctly, your employer is doing a no-no (re-classing an employee to a 1099 contractor.) The job either meets the criteria for an employee or it does not; employers are supposed to apply the law correctly and consistently. But perhaps your state ...
by Big Dog
Mon May 04, 2020 6:48 pm
Forum: Personal Investments
Topic: Death Benefit -Annuity Inheritance
Replies: 38
Views: 2009

Re: Annuity Inheritance

call them and ask what portion might be taxable and whether any is available for any type of rollover. (They'd love to keep the money if they can, so they'll know if there are any such options.)
by Big Dog
Sat May 02, 2020 11:38 am
Forum: Personal Consumer Issues
Topic: Neighbor’s contractor wants to access our property
Replies: 158
Views: 16260

Re: Neighbor’s contractor wants to access our property

You should suggest that they come back with a contract that guarantees that should any damage occur, including expected wear and tear, they will repair your property to its initial condition. Also, one that has days and timing mentioned. Do you want them dropping off stuff at 5 am? Working till 11 ...
by Big Dog
Fri May 01, 2020 11:15 am
Forum: Personal Finance (Not Investing)
Topic: New Grad's Housing Question
Replies: 15
Views: 634

Re: New Grad's Housing Question

if you are handy, Ikea is a great place for decent looking furniture. Plus you could sell the stuff at the end of the year. Mattess/bed at costco.
by Big Dog
Wed Apr 29, 2020 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting a job after two weeks: relocation expenses
Replies: 196
Views: 17372

Re: Quitting a job after two weeks: relocation expenses

If your old company would take you back, I'd resign and work out a repayment plan. (you are making 3x, so you should have some cash to move back.)

The 100 hour weeks will not go away. If you are going "insane", perhaps this is not the quality of life for you.
by Big Dog
Wed Apr 29, 2020 10:57 am
Forum: Investing - Theory, News & General
Topic: Anyone wish they would have invested more during recent downturn?
Replies: 110
Views: 9289

Re: Anyone wish they would have invested more during recent downturn?

I jumped on the downturn to make my Roth conversions for the year. (At least there was one benefit.)
by Big Dog
Mon Apr 27, 2020 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Fiancee's Health Care Plan... Running the numbers to see if it makes sense once we're married
Replies: 9
Views: 786

Re: Fiancee's Health Care Plan... Running the numbers to see if it makes sense once we're married

I'm a fan of HD-HSA plans for young healthy folks. Does her district kick in any $ to the HSA if she chooses that plan? The DHMO is dental? Is Kaiser her only option for medical? (I'm a big fan of Kaiser HMO, but I'd rather go PPO for a HD.) If you join her plan now and find a new employer with a be...
by Big Dog
Mon Apr 27, 2020 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: File tax return electronically
Replies: 64
Views: 2537

Re: File tax return electronically

I use T-Tax Deluxe so I e-file federal, but refuse to pay their exorbitant fees for state filing so I just use snail mail. I could care less how long the return sits in a mail bag unopened (as I usually don't have much of a refund coming, so I roll it over until next year). I refuse to pay to file ...
by Big Dog
Sun Apr 26, 2020 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Deduct PTO donated to YOUR non-profit, state-owned employer?
Replies: 16
Views: 771

Re: Deduct PTO donated to YOUR non-profit, state-owned employer?

An easier way to 'donate' to your employer is just to ask them to cut your salary/wage for the next xx pay periods.
by Big Dog
Sun Apr 26, 2020 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: File tax return electronically
Replies: 64
Views: 2537

Re: File tax return electronically

I use T-Tax Deluxe so I e-file federal, but refuse to pay their exorbitant fees for state filing so I just use snail mail. I could care less how long the return sits in a mail bag unopened (as I usually don't have much of a refund coming, so I roll it over until next year).
by Big Dog
Sun Apr 26, 2020 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Newly Moved to Community Property State and Student Loan Questions
Replies: 4
Views: 368

Re: Newly Moved to Community Property State and Student Loan Questions

CA does allow Married filing Separately. Not sure what your EA was looking at, unless your EA was just summarizing that its not a good financial option for you bcos: California is a community property state. When filing a separate return, each spouse/RDP reports the following: One-half of the commun...
by Big Dog
Sat Apr 25, 2020 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Convert to Roth at Top Tax Bracket?
Replies: 35
Views: 2492

Re: Convert to Roth at Top Tax Bracket?

$800k at one time will hit the 37% bracket (single). With an estimated 12 years to RMD's (or life span), personally, I'd move over a tranche every year, ~$160k, which puts you at the top of 24% bracket, depending on any other income. As an aside, with declining health, you are probably better off cl...
by Big Dog
Wed Apr 22, 2020 6:02 pm
Forum: Personal Investments
Topic: Laid off - Rollover 401K ?
Replies: 20
Views: 1506

Re: Laid off - Rollover 401K ?

I certainly wouldn't roll it backward into a fund that charges a maintenance fee. But you might as well wait to see what your next job is, and whether your new company has a 401k that accepts roll-ins? If so, you can roll it into that new plan, roll over to Vanguard/Fido/Schwab, or keep where it is.
by Big Dog
Tue Apr 21, 2020 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Which state should I apply for unemployment TX or CA?
Replies: 5
Views: 382

Re: Which state should I apply for unemployment TX or CA?

File in CA online. If they believe TX is responsible for you, they will tell you.
by Big Dog
Sun Apr 19, 2020 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Laid off!!
Replies: 71
Views: 10191

Re: Laid off!!

So sorry to hear. 5. The narrative in the town hall is of little use in a suit. If you acted upon that town hall info and say, rejected a job offer with another company bcos you wanted to stay where you are, you would have a possible claim. Otherwise, not likely. But it doesn't hurt to contact a loc...
by Big Dog
Fri Apr 17, 2020 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security [2020 changes to maximum payment under current law?]
Replies: 11
Views: 1231

Re: Social Security

a awesome source of info is Mike Piper. Search his blog and run your specific numbers on his free site. Use the Advanced Tab. Good luck.

https://opensocialsecurity.com
by Big Dog
Fri Apr 17, 2020 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Upgrade Computer Before Law School?
Replies: 42
Views: 1867

Re: Upgrade Computer Before Law School?

definitely buy new. The mac will work great. Agree with the other poster -- hold out for the new MacBook pro, likely fall. (The old keyboard is risky.) The only issue with a mac is that some law schools use MS-OneNote for tests, at least they did when my son was in LS a couple of years ago. At the t...
by Big Dog
Fri Apr 17, 2020 10:34 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55590

Re: How to get Toilet Paper ? seriously.

found TP and paper towels at SoCal Costco this morning during senior hours. (First time in Costco since shutdown.) Just Kirkland brand, but they had pallets of TP upon opening. Good to know. Takes nearly an hour for me to drive to Costco. Is it limit 1 ?? How many rolls in a "pack" ?? thanks, j :D ...
by Big Dog
Thu Apr 16, 2020 9:47 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55590

Re: How to get Toilet Paper ? seriously.

found TP and paper towels at SoCal Costco this morning during senior hours. (First time in Costco since shutdown.)

Just Kirkland brand, but they had pallets of TP upon opening.
by Big Dog
Sun Apr 12, 2020 4:41 pm
Forum: Investing - Theory, News & General
Topic: Why not go EE bonds (instead of bond funds)?
Replies: 176
Views: 10650

Re: Why not go EE bonds (instead of bond funds)?

Bought these over the years (I bonds too when their fixed rates were higher). Given ER is essentially a 20 yr bond, plan to buy 20 years before you need to redeem. Personally would not buy once in your 50s or older, but in 30s/40s as some portion of your bond allocation, why not ? Any shorter time ...
by Big Dog
Fri Apr 10, 2020 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Accident, dealing with Medicare and insurance.
Replies: 4
Views: 576

Re: Accident, dealing with Medicare and insurance.

why not wait until you receive a EOB from your supplemental, at which time you will know that they looked at the claim, and then call and ask them? Typically your insurance will pay to fix you up and then go recover from 'the other guy.' Found this with quick google: https://www.cms.gov/Medicare/Coo...
by Big Dog
Thu Apr 09, 2020 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: I was denied a mortgage refinance due to a "net tangible benefit rule". Is this a real thing?
Replies: 22
Views: 3186

Re: I was denied a mortgage refinance due to a "net tangible benefit rule". Is this a real thing?

The last couple of refis that I have completed were thru a broker. Wouldn't hurt to call one or two local brokers or credit unions (or check mortgage professor online) and ask their rates for a no-cost refi and if they have any special requirements. Have you found that your broker is able to get yo...
by Big Dog
Thu Apr 09, 2020 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: I was denied a mortgage refinance due to a "net tangible benefit rule". Is this a real thing?
Replies: 22
Views: 3186

Re: I was denied a mortgage refinance due to a "net tangible benefit rule". Is this a real thing?

The last couple of refis that I have completed were thru a broker. Wouldn't hurt to call one or two local brokers or credit unions (or check mortgage professor online) and ask their rates for a no-cost refi and if they have any special requirements. But a google search answers your question on wheth...
by Big Dog
Thu Apr 09, 2020 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: I was denied a mortgage refinance due to a "net tangible benefit rule". Is this a real thing?
Replies: 22
Views: 3186

Re: I was denied a mortgage refinance due to a "net tangible benefit rule". Is this a real thing?

Any broker/bank/funder can have any rule that they like as long as they don't discriminate.

Have you tried different lenders/brokers?
by Big Dog
Thu Apr 09, 2020 3:24 pm
Forum: Personal Consumer Issues
Topic: Appliance doesn't work in newly-built home
Replies: 6
Views: 538

Re: Appliance doesn't work in newly-built home

Agree, what does the contract for purchase say?

why not wait to see what the manufacturer's rep says? It'd one thing if just a loose wire or even could be the plug receptacle improperly installed. Anything else, then yes, insist on a completely new appliance be installed, not refurb.
by Big Dog
Thu Apr 09, 2020 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage payoff - Am I crazy?
Replies: 81
Views: 5454

Re: Mortgage payoff - Am I crazy?

My wife recently had her hours cut due to COVID-19 and my job is not entirely stable either. At least for me, this statement alone would make me want to keep the cash part of the inheritance as cash until things stabilize. You can always pay it off this fall or next year after things look better. T...
by Big Dog
Wed Apr 08, 2020 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Can you have a Roth IRA at two different brokerages?
Replies: 18
Views: 1067

Re: Can you have a Roth IRA at two different brokerages?

Hopefully, as I have one at Fido and one at Vanguard.
by Big Dog
Wed Apr 08, 2020 12:09 pm
Forum: Investing - Theory, News & General
Topic: 401K and IRA millionaires - Fido vs Vang, Pre/Post Covid
Replies: 14
Views: 1576

Re: 401K and IRA millionaires - Fido vs Vang, Pre/Post Covid

IBD article (https://www.investors.com/etfs-and-funds/retirement/retirement-planning-fidelity-millionaires-avoid-mistakes/) Fidelity 401(k) Millionaire Traits (Dec-2019) The number of people with $1 million or more in 401(k) accounts in plans run by Fidelity Investments rose to a record 233,000. An...
by Big Dog
Tue Apr 07, 2020 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Federal tax refund: incorrect amount
Replies: 9
Views: 665

Re: Federal tax refund: incorrect amount

just deposit the check and wait for a letter in the mail explaining why they did what they did. (It might just be an error on their part, somehow.)
by Big Dog
Sun Apr 05, 2020 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: College choice dilemma
Replies: 167
Views: 7656

Re: College choice dilemma

People keep referencing SAT and ACT scores as if they were a major metric of intelligence. Actually they correlate to income, prep work, and quality of HS education. I know of children who began prepping for the SAT in middle school (I was horrified). Many colleges no longer require them because th...