Search found 749 matches

by Big Dog
Mon Aug 13, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)
Replies: 35
Views: 1052

Re: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)

to me, one of the real benefits of study abroad is to cut the cord home. Weekly Skype calls from the internet cafe's were perfect.
by Big Dog
Fri Aug 10, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: New State Farm Coverages
Replies: 26
Views: 3934

Re: New State Farm Coverages

But for $15/year, why not try, I guess. The answer to that question depends on the other question you raised: is this just a line of business that will work like an extended warranty (company)? If so, buyer beware. Home appliance warranty service companies are not necessarily the best at repairs, n...
by Big Dog
Wed Aug 08, 2018 1:24 pm
Forum: Investing - Theory, News & General
Topic: If it were March, 2000, would you still allocate 50% to Stocks?
Replies: 94
Views: 4237

Re: If it were March, 2000, would you still allocate 50% to Stocks?

in March 2000, I was 100% invested in stocks (mostly Vanguard S&P500 & BRK) , so yeah, would do it again.
by Big Dog
Tue Aug 07, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Withdrawal for House Down Payment
Replies: 7
Views: 533

Re: IRA Withdrawal for House Down Payment

the friend can 'borrow' from his/her 401k for a home purchase. However, the interest on the payback to the 401k is not tax-deductible.

Alternatively, if the Plan allows, the friend can withdraw up to $10k penalty free, but tax will still be due.
by Big Dog
Sun Aug 05, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Yogi said it. It must be true.
Replies: 18
Views: 2175

Re: Yogi said it. It must be true.

Love is the greatest thing in the world, but baseball is pretty good too.
by Big Dog
Tue Jul 31, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard IRA transfer: send Certified or Regular mail
Replies: 11
Views: 573

Re: Vanguard IRA transfer: send Certified or Regular mail

I normally send regular mail, but if all you want is a tracking number, you can use a USPS flat rate envelope. It will get there in two days.
by Big Dog
Sun Jul 29, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: ACT test - got 34, try for 36?
Replies: 61
Views: 5231

Re: ACT test - got 34, try for 36?

Frankly despite what many say ACT is simply not considered the same league as SAT.
Sorry, but I don't believe that to be correct (any more): it is in the college's best interest to take the highest score, whatever that may be.
by Big Dog
Sat Jul 21, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: $1200 AC fix on a 2007 Civic
Replies: 22
Views: 1644

Re: $1200 AC fix on a 2007 Civic

woulda done that deal bcos of #1.
by Big Dog
Fri Jul 20, 2018 6:00 pm
Forum: Investing - Theory, News & General
Topic: Does Anyone Invest In Berkshire Hathaway Instead Of Index Funds?
Replies: 80
Views: 13973

Re: Does Anyone Invest In Berkshire Hathaway Instead Of Index Funds?

Not instead of, but in addition to. Have some left over equities passed down from grandparents, and just a two-fund portfolio for the past decade or so. (Thanks BH-nation.) I've been following BRK since it was $5500/sh. Invested a short time later. Originally, was going to be a kid's college fund. N...
by Big Dog
Thu Jul 19, 2018 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Two Questions - College Tuition Payments
Replies: 11
Views: 1074

Re: Two Questions - College Tuition Payments

1. how much is a "little higher"? What has been the college's recent history with tuition increases? (note, that this deal only covers tuition, so fees and housing and food will continue to increase.)

2. Lump sum each semester, I assume makes most sense if you have the cash.
by Big Dog
Thu Jul 19, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 433
Views: 55354

Re: Flaunt Your High-Mileage Car

'89 Volvo Turbo. 212k miles
by Big Dog
Tue Jul 17, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Potential Personal Judgement-Florida
Replies: 12
Views: 2208

Re: Potential Personal Judgement-Florida

Another tidbit I failed to share (not on purpose) is that the my current business/partners that I am involved with are defendants in the same case with me. We are all in the same ship represented by the same firm for obv reasons. Which also means that the firm's attny only has 1/3rd of your interes...
by Big Dog
Tue Jul 17, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Tesla Insurance Question and how to get out of the deposit
Replies: 14
Views: 1747

Re: Tesla Insurance Question and how to get out of the deposit

Get some more quotes.
Call around to other companies to see what they offer.
by Big Dog
Tue Jul 17, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: California Homeowners - Do you have earthquake insurance?
Replies: 21
Views: 2083

Re: California Homeowners - Do you have earthquake insurance?

Don't forget the "value" of your home includes bricks and mortar and a plot of land. I would guess that the latter is worth a whole lot more than the former. So, the question is, what is the cost to rebuild? (your pile of dirt ain't going away, unless it goes into a sink hole.) Moreover, home mortga...
by Big Dog
Wed Jul 04, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: hybrid or plug-in electric car
Replies: 70
Views: 3977

Re: hybrid or plug-in electric car

I think it should be required that anyone suggesting EV car and loves theirs disclose how many cars they own and if all of them are EV. Will be picking up a second M3 later this month. Will donate my '89 volvo which now has transmission problems. Will trade-in/sell my 2001 Jaguar which requires maj...
by Big Dog
Wed Jul 04, 2018 4:17 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 202
Views: 32958

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

Good News! Every purchase is an indirect donation to The John C. Bogle Center for Financial Literacy.
I double down by purchasing from smile.amazon with their donation going to the Bogle Center.
by Big Dog
Wed Jul 04, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: iPhone: difference between icloud photo library and icloud backup
Replies: 18
Views: 1536

Re: iPhone: difference between icloud photo library and icloud backup

kjv:

does iCloud Photo count as part of the free 5 mb for iCloud, or is it a separate allocation of space?
by Big Dog
Tue Jul 03, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to buy a phone in 2018?
Replies: 73
Views: 7151

Re: Cheapest way to buy a phone in 2018?

^^great. I mailed mine back to the Apple contractor on Friday, and just received notice that it was repaired Monday, and will be returned by fedex by overnight service. (of course, that means receipt on Thursday due to the holiday.)
by Big Dog
Tue Jul 03, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Cheapest way to buy a phone in 2018?
Replies: 73
Views: 7151

Re: Cheapest way to buy a phone in 2018?

My screen is becoming unresponsive at times and it does this weird flickering thing near the top, so I’m not sure if a new battery will help. I can still get a full days use out of a single charge. If you have updated your IOS, you can check the battery to see if that is a problem: Settings/Battery...
by Big Dog
Tue Jul 03, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106398

Re: To take or not to take delivery of Tesla 3

This is especially damning but the writer is anonymous though obviously well versed in the area. Sorry, but I don't find 'rants' from anonymous folks to be very persuasive. We have no way of knowing if the person is even who he says he is. Moreover, we don't know if they are just a disgruntled empl...
by Big Dog
Sat Jun 30, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 103
Views: 7112

Re: Can I buy a Tesla?

I am in California too but it looks like my income would disqualify me from getting the state rebate. Would still get the $7500 fed credit though. $150k for single or $300k for two. Get married? :twisted: SoCal Edison is also offering a credit towards installation of an EV charger. (I assume PG&E h...
by Big Dog
Fri Jun 29, 2018 10:37 pm
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 103
Views: 7112

Re: Can I buy a Tesla?

does your state offer any rebates? I just received a check for $2500 from California for my M3 purchase. Add in the $7500 federal tax savings, and it takes the purchase price down $10k. A really nice discount, IMO.
by Big Dog
Thu Jun 28, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106398

Re: To take or not to take delivery of Tesla 3

As I posted earlier, when I asked for my $1k back Tesla ACHed it into my checking account in under 24 hours.
On another blog, folks report that they've generally received their refund in 48 hours. The only issues that I've seen were those that paid a deposit via PayPal.
by Big Dog
Thu Jun 28, 2018 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard is really pushing their Personal Adviser Service
Replies: 65
Views: 6385

Re: Vanguard is really pushing their Personal Adviser Service

You folks live in a bubble. The Boglehead Bubble.
In Bogle (and Taylor!), I trust. :sharebeer :sharebeer
by Big Dog
Wed Jun 27, 2018 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Umbrella Policy: Right amount for $7 mil net worth?
Replies: 54
Views: 6812

Re: Umbrella Policy: Right amount for $7 mil net worth?

I don't think 1M gets you the insurance company's "A" team. That alone is a reason to upgrade to 2 or 3M, which will really get their attention. It would only get their attention if a claim was for that higher amount. Most claims are not. Moreover, the OP appears to lead a very low risk lifestyle: ...
by Big Dog
Wed Jun 27, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: CNBC: Social Security buying power has slipped by a third for retirees
Replies: 95
Views: 7088

Re: CNBC: Social Security buying power has slipped by a third for retirees

But what if you are an unhealthy male married to a healthly female, and you were the higher earner. That would argue for you delaying to age 70 to maximize the benefit that your (likely) surviving wife will receive. I believe that the spousal benefit is capped at FRA. In other words, the spousal do...
by Big Dog
Wed Jun 27, 2018 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard is really pushing their Personal Adviser Service
Replies: 65
Views: 6385

Re: Vanguard is really pushing their Personal Adviser Service

have only been bugged once by PAS years ago and I asked them to not call me again, and they haven't. OP: I'm a Flagship member and have never received any advice for free, so its unlikely to happen. OTOH, I have some investments with Fidelity and they call me every 12-18 months for a 'free check-up ...
by Big Dog
Tue Jun 26, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106398

Re: To take or not to take delivery of Tesla 3

perhaps I've become a fanboy of Elon's but I think that the tent plant is brilliant. California's regulators recently proposed a regulation to limit the $2500 state tax rebate for purchases from in-state manufacturers that did not meet certain state workplace requirements. Such a reg would only appl...
by Big Dog
Tue Jun 26, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 156
Views: 16818

Re: IRS publishes draft 2018 1040 - Huge changes made

A disappointing article, IMO. The author adds in a bunch of what-if's in his not-so-hidden criticism. To me, the obvious question is, how many folks actually use the 'teacher's school supplies' credit? Or, school loans? Sure, that may be a few million, but there are millions more that have no need f...
by Big Dog
Tue Jun 26, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106398

Re: To take or not to take delivery of Tesla 3

but they have never been the leaders in global EV sales, and have a bit more catching up to get there. They've been leading since January. In fact, the M3 alone outsells the Bolt & Volt combined by 2x on a monthly basis. The M3 outsells the Leaf by 4x. (Not sure if I can post the source since its a...
by Big Dog
Mon Jun 25, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106398

Re: To take or not to take delivery of Tesla 3

I used to be excited about upcoming EVs from other traditional car manufactures... It's important to read their press releases critically. For example, Volvo has said that by 20xx, all of his cars will be electrified. When that press release came out, many gave them high props. But note that Volvo ...
by Big Dog
Wed Jun 20, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106398

Re: To take or not to take delivery of Tesla 3

Remember that no other EV is close to reaching the fed tax sales limit. so once they reach that limit (3 to 5 years at a minimum), TSLA should hit the first phase-out cap (200k deliveries) in the coming days. If after July 1 for the 200,000'th delivery, the current federal tax credit gets cut in ha...
by Big Dog
Wed Jun 13, 2018 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Cost-basis step-up at death
Replies: 9
Views: 1075

Re: Cost-basis step-up at death

However, for the account where your mother is also a surviving joint tenant, only the 50% that your father was deemed to have contributed gets the basis adjustment. A community property state gets full step-up for death of spouse. (Vanguard allows registration as Community Property, and I believe w...
by Big Dog
Sat Jun 09, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: daughter wants a college transfer?
Replies: 65
Views: 5362

Re: daughter wants a college transfer?

- She's interested in schools that focus on undergraduate teaching as opposed to research
Sounds like a LAC is exactly her style. That being said, a 3.4 is unlikely to be competitive to transfer to a college like Midd. She may have to look farther down the food chain.

Good luck.
by Big Dog
Sat Jun 09, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: ignorant question about fixed rate home equity loans
Replies: 18
Views: 1281

Re: ignorant question about fixed rate home equity loans

I think one of us misplaced a decimal point. I hope it's you :-)
Gah! That's what I get for trying to do math before a cuppa joe. :oops:
by Big Dog
Sat Jun 09, 2018 8:02 am
Forum: Personal Finance (Not Investing)
Topic: ignorant question about fixed rate home equity loans
Replies: 18
Views: 1281

Re: ignorant question about fixed rate home equity loans

depends on how much/often you plan to dip into the line, and for how much. $10k * .74 = $740 interest per year. x 5 years? You said "humongous" expense coming up. $50k? OTOH, if the HELOC is just for an emergency, in that you hope to not use it, then the cheapest admin/start up fees that you can get.
by Big Dog
Sat Jun 09, 2018 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Renter's Insurance for College Dorm
Replies: 32
Views: 2329

Re: Renter's Insurance for College Dorm

Both of my sons had policies through collegestudentinsurance.com (CSI - now Gallagher). NSSI is another company that offers student property insurance. These aren't normal renter's insurance policies but rather specialized policies for students. The advantage over homeowners insurance is the low de...
by Big Dog
Tue Jun 05, 2018 11:28 pm
Forum: Personal Consumer Issues
Topic: Trade in advice [Car]
Replies: 23
Views: 1908

Re: Trade in advice [Car]

Second: when trading in through the dealer, you only pay sales tax on the difference: new_car_price - old_car_trade_in.
Not in California.
by Big Dog
Tue Jun 05, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?
Replies: 55
Views: 5367

Re: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?

Long story short, the HVAC guy tells me it's my fault because I ran the system too hard and it froze. Utterly ridiculous. Either he sold you the wrong size equipment, or something is up. AC units are made to run; in fact they are more efficient when they run, vs. constant cycling on and off. Find a...
by Big Dog
Sun Jun 03, 2018 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 276
Views: 14313

Re: Can a Retired 60 yo MD, MBA Start a Law Career?

to answer your question, ALL professional schools love non-traditional applicants. That being said, too late. At the earliest, you'd start law school in teh fall of '19, and graduate 3 years later, or 2022, at which point you'd be what, 64? Do you really want to pay ~$75k/yr for three years to atten...
by Big Dog
Sat Jun 02, 2018 8:11 pm
Forum: Personal Consumer Issues
Topic: Any reasons to not put money down for a Tesla Model 3?
Replies: 45
Views: 3137

Re: Any reasons to not put money down for a Tesla Model 3?

My wife and I both found the controls easy to use. They are different from other cars, but were clearly engineered with some care. The controls may not work well for everyone, but I would surprised how easy it was to get used to them. Ditto. I was actually surprised that my wife "really likes drivi...
by Big Dog
Sat Jun 02, 2018 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Just bought condo; crazy to take out HELOC to buy a parking spot?
Replies: 28
Views: 2912

Re: Just bought condo; crazy to take out HELOC to buy a parking spot?

Those are interesting ideas. From what I know of this person's needs and setup, it is not difficult to imagine something like this could work for them. Do you have any suggestions or resources for how one might structure such a deal? I'm sure a handshake wouldn't be sufficient! Get a lawyer? yes, y...
by Big Dog
Fri Jun 01, 2018 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Just bought condo; crazy to take out HELOC to buy a parking spot?
Replies: 28
Views: 2912

Re: Just bought condo; crazy to take out HELOC to buy a parking spot?

I agree that owning the parking spot will add value to your unit. But, the recent layoff is concerning, and not sure now is the time to acquire more debt. OTOH, could you swing a lease-purchase option or some other creative financing from your current space owner. Perhaps put something down and bump...
by Big Dog
Fri Jun 01, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Are very old Vanguard statements really available?
Replies: 12
Views: 2654

Re: Are very old Vanguard statements really available?

^^no, Vanguard did not charge me a fee for copies of prior year-end statements.
by Big Dog
Thu May 31, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106398

Re: To take or not to take delivery of Tesla 3

grats Andrew. Me and da' wife love driving our M3. Regarding the other points: * wind noise - Keep in mind there is no engine in the Tesla, so the wind noise is more noticeable than in an ICE car. Doesn't mean it is in fact louder * suspension - do you want range, handling or comfort? Elon suggests ...
by Big Dog
Wed May 30, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 18244

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

generally, the tippy top colleges are need-based only -- no merit money. There are exceptions, however USoCal offers a half-tuition discount to National Merit Scholarship Semi-Finalists; many other colleges participate in the program as well, but their scholarship maybe limited to $2k off. Schools l...
by Big Dog
Sun May 27, 2018 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: What was your experience inheriting assets held at Vanguard?
Replies: 24
Views: 2278

Re: What was your experience inheriting assets held at Vanguard?

all of mom's accounts were PoD/ToD, and the transfer was fast and easy. I already had a Vanguard account so they just transferred half of mom's balance as soon as they received a death cert. My sister (who recieved the other half of the balances), opened a Vanguard account while waiting for the deat...