Search found 1882 matches

by Big Dog
Fri Aug 07, 2020 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Optimal Social Security Benefits Claiming Strategy - Her Husband Just Passed Away
Replies: 10
Views: 1043

Re: Optimal Social Security Benefits Claiming Strategy - Her Husband Just Passed Away

rgs92 wrote:
Tue Jul 21, 2020 9:19 am
I just had to say that I am amazed by ObliviousInvestor's high level of expertise and the clarity of the advice and exposition. That info he gave may be useful to me also, so thanks a million.
We are extremely fortunate that Oblivious posts frequently on BH.
by Big Dog
Tue Aug 04, 2020 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Does a PhD qualify me for a new line of work?
Replies: 28
Views: 2612

Re: Does a PhD qualify me for a new line of work?

Yes, but science PhD programs are different. Not at the top schools. Lit/hume is just as (fully) funded* as is STEM. That said, funding may only be assured for 5-6 years, and if you can't get out by then, any remaining years to complete the dissertation may be on you. Most PhD students pay tuition....
by Big Dog
Tue Aug 04, 2020 5:34 pm
Forum: Personal Consumer Issues
Topic: New house... replace toilets?
Replies: 25
Views: 1906

Re: New house... replace toilets?

My parents current house -- the one I grew up in -- was built in the 1920's.....one toilet for a family of 6. The ring was replaced twice since the 'rents purchased the house in ~1966, in both cases to redo the flooring tile for a refresh.
by Big Dog
Tue Aug 04, 2020 3:38 pm
Forum: Investing - Theory, News & General
Topic: Dr. Wade Pfau is my guest on the "Bogleheads on Investing" podcast!
Replies: 273
Views: 12471

Re: Dr. Wade Pfau is my guest on the "Bogleheads on Investing" podcast!

friar1610 wrote:
Tue Aug 04, 2020 11:18 am
Big Dog wrote:
Sat Aug 01, 2020 10:52 am
Again, informative interview, Rick. (Tough crowd.)
Rick's a Marine; he can handle it.

Well, then, oorah. (since this thread appears to be a 'battle' by some....)
by Big Dog
Mon Aug 03, 2020 10:37 am
Forum: Personal Consumer Issues
Topic: Cooling HVAC options for loft/attic room
Replies: 19
Views: 1257

Re: Cooling HVAC options for loft/attic room

Prior to installing another ac unit, a ceiling fan would be my first (inexpensive) choice.
by Big Dog
Mon Aug 03, 2020 10:25 am
Forum: Personal Consumer Issues
Topic: Owners of cars with 'autopilot' like features: Do you fly less and drive more for longer trips?
Replies: 31
Views: 2326

Re: Owners of cars with 'autopilot' like features: Do you fly less and drive more for longer trips?

yes, autopilot does result in less fatigue; in that respect, its great. But 'no', don't fly less/drive more. 8+ hours on the road is still 8+ hours on the road.
by Big Dog
Sat Aug 01, 2020 10:51 pm
Forum: Personal Investments
Topic: HSA Really Worth It In California?
Replies: 17
Views: 1847

Re: HSA Really Worth It In California?

Gleevec wrote:
Sat Aug 01, 2020 3:10 pm
HSA in California are a fine option, personally I hold all my TIPS in my HSA to mitigate the state tax issue
I hold US Treasuries my HSA (and count that as part of the 'bond' portion of my AA).
by Big Dog
Sat Aug 01, 2020 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Premium Switched From ACH to Paper Check
Replies: 8
Views: 685

Re: Medicare Premium Switched From ACH to Paper Check

We pay our quarterly Medicare premiums using our bank’s “bill pay” function. It has worked well as the payments are ACH and are credited by Medicare within a day. In May, I paid the Medicare premiums. My payment went as an ACH payment. My wife’s was sent to Medicare as a paper check. The check was ...
by Big Dog
Sat Aug 01, 2020 10:52 am
Forum: Investing - Theory, News & General
Topic: Dr. Wade Pfau is my guest on the "Bogleheads on Investing" podcast!
Replies: 273
Views: 12471

Re: Dr. Wade Pfau is my guest on the "Bogleheads on Investing" podcast!

Rick, that was very interesting. I thought it was fair and balanced. And I agree, Dr. Pfau is honest. He is just presenting a different point of view than this forum. That was my take too. Wade was just offering alternate investment strategies/ideas. And while I'm not a fan of SPIA's (or insurance ...
by Big Dog
Fri Jul 31, 2020 5:07 pm
Forum: Investing - Theory, News & General
Topic: Dr. Wade Pfau is my guest on the "Bogleheads on Investing" podcast!
Replies: 273
Views: 12471

Re: Dr. Wade Pfau is my guest on the "Bogleheads on Investing" podcast!

Thanks Rick. While I'm not a fan of annuities or whole life, I still learned quite a bit (which reinforced my skepticism for those products), I still found the interview to be a worthwhile listen.
by Big Dog
Thu Jul 30, 2020 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Possibly losing health insurance. Experiences with ACA
Replies: 57
Views: 3825

Re: Possibly loosing health insurance. Experiences with ACA

A week after taking the leave, the offer changed from open ended to 90 days before the time away starts to count against insurance eligibility. The likelihood of the Covid situation getting better to the point where I can soon return safely (or safer than it was before I left) doesn’t look good. If...
by Big Dog
Thu Jul 30, 2020 10:57 am
Forum: Personal Investments
Topic: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again
Replies: 44
Views: 3566

Re: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again

I was advised that the check writing privileges on that account had been canceled since there was no activity on the account. I don’t recall receiving notification from Vanguard about that cancelation. In the past few weeks, I have received a couple of e-mails from Vanguard saying that my check-wri...
by Big Dog
Thu Jul 30, 2020 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Is guarantor on lease personally liable
Replies: 24
Views: 1666

Re: Is guarantor on lease personally liable

Luckily a property manager agent, representing 2 adult granddaughters who inherited a house. I bet we can make it work. I also still have legal shield from my husbands business, and can call them for advice shortly if necessary. My insurance agent essentially said, hmm, no one has ever asked that q...
by Big Dog
Thu Jul 30, 2020 12:01 am
Forum: Personal Investments
Topic: Inheritated account question
Replies: 10
Views: 1060

Re: Inheritated account question

I am leaning toward selling the mutual funds and putting the proceeds into funds at Vanguard. Since the cost basis is likely the close at the day of death, I'd sell them all with minimal tax impact and invest in mutual funds at Vanguard. If I put the proceeds into index funds, which is my preferenc...
by Big Dog
Wed Jul 29, 2020 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking Student Loan Advice for Fiance
Replies: 5
Views: 614

Re: Seeking Student Loan Advice for Fiance

Parent Plus loans are eligible for forgiveness. And since the PP balances are more than half of the outstanding, probably not worth the hassle to make minimum payments, file separately, and wait 10+ years for forgiveness on the other half. I'd look to a lender such as SoFi or Republic to refi her lo...
by Big Dog
Tue Jul 28, 2020 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Homebuyers: Did you use a broker to help secure a mortgage?
Replies: 20
Views: 1575

Re: Homebuyers: Did you use a broker to help secure a mortgage?

In the past I have included my (known and vetted) mortgage broker in the shopping process - ie I invite them to give me their best rate while I shop online myself. In my experience they offered some customer service and can offer some guidance if there’s something out of the ordinary in your docume...
by Big Dog
Tue Jul 28, 2020 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: [First time home buyer - listing agent "made a mistake"]
Replies: 11
Views: 1069

Re: [First time home buyer - listing agent "made a mistake"]

Are you happy with the offer you made? Would the offer be different if you were submitting it a day later? My guess is it's just an honest mistake on the part of the listing agent. It can be hectic when the agent is dealing with multiple potential offers. As someone who's been the seller in one of ...
by Big Dog
Tue Jul 28, 2020 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: IRS lost taxes and is asking them to be resent. Wants "newly signed" copy?
Replies: 19
Views: 1656

Re: IRS lost taxes and is asking them to be resent. Wants "newly signed" copy?

(They have to be using auto-scanners to copy and input the forms, and every so often the paper feed will jam and crush/mangle anything in its path.) My understanding is that paper returns are keyed in, not scanned. right, but they still need a copy of the paper in their file, and its much easier to...
by Big Dog
Tue Jul 28, 2020 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: IRS lost taxes and is asking them to be resent. Wants "newly signed" copy?
Replies: 19
Views: 1656

Re: IRS lost taxes and is asking them to be resent. Wants "newly signed" copy?

My father received a letter from the IRS today, concerning a set of amended taxes, it reads: Dear Taxpayer: Our records show we received your Form 1040X on Mar 19, 2020 for the tax year listed above. We're sorry but we can't find your 1040X, so we need your help to finish processing your claim. Ple...
by Big Dog
Mon Jul 27, 2020 3:26 pm
Forum: Investing - Theory, News & General
Topic: Why isn't Social Security like a deferred annuity?
Replies: 30
Views: 2535

Re: Why isn't Social Security like a deferred annuity?

But, I wonder if they really understand the products they are selling.... Of course they understand what they are selling (particularly when it earns them a commission!). ...to people that often don't have the time or inclination to understand the products being offered during their lunch period? S...
by Big Dog
Sun Jul 26, 2020 9:59 pm
Forum: Personal Investments
Topic: Looking for good HSA provider to transfer to
Replies: 14
Views: 761

Re: Looking for good HSA provider to transfer to

more praise for Fido.
by Big Dog
Sat Jul 25, 2020 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA questions
Replies: 9
Views: 695

Re: COBRA questions

Don't understand question #1. 'Special enrollment" in what? The government marketplace? If so, the answer is No. https://www.healthcare.gov/unemployed/cobra-coverage/ #3. Up to the employer, but many do allow you to continue in dental & vision. As an aside, it never hurts to negotiate her exit by a...
by Big Dog
Sat Jul 25, 2020 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA questions
Replies: 9
Views: 695

Re: COBRA questions

Don't understand question #1. 'Special enrollment" in what? The government marketplace? If so, the answer is No. https://www.healthcare.gov/unemployed/cobra-coverage/ #3. Up to the employer, but many do allow you to continue in dental & vision. As an aside, it never hurts to negotiate her exit by as...
by Big Dog
Sat Jul 25, 2020 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Private Party Sale of Car in California: Bait and Switch Update at Post 17
Replies: 34
Views: 2877

Re: Private Party Sale of Car in California

Last time I sold a car, I had it listed on a few sites online. A lot of the inquiries I got were scams. Decided a private sale wasn't worth my time, drove it to a few dealerships, got them to compete on price, and sold it to the one with the best offer. But - I wouldn't really be worried about a sc...
by Big Dog
Thu Jul 23, 2020 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Private Party Sale of Car in California: Bait and Switch Update at Post 17
Replies: 34
Views: 2877

Re: Private Party Sale of Car in California

Title transfer is easy. Just sign over the 'pink slip'. Then complete the CA release of liability form (link below). That way you won't be responsible for any tickets/accidents that the new owner might incur. Call your insurer to delete the car from your policy. The new owner is responsible for re-r...
by Big Dog
Wed Jul 22, 2020 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Medigap Insurance Premium Increase
Replies: 22
Views: 1346

Re: Medigap Insurance Premium Increase

the local SHIP can also be a good source of info for rates and plans offered in your area. Besides using a broker, one could always just call a plan or two and ask about switching. They should be able to ask the handful of questions regarding health status. https://www2.illinois.gov/aging/ship/Pages...
by Big Dog
Mon Jul 20, 2020 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Crisis: Advice needed
Replies: 90
Views: 7994

Re: Financial Crisis: Advice needed

It is indeed FIL/ MIL. Me/Spouse are financially in good shape. I am trying to assess if the Parent+ loan will be forgiven at death, if so, then I would likely not advise paying it down. What would you advice? yes, a Parent Plus loan will be forgiven upon death, but they have a 10-year term, so unl...
by Big Dog
Mon Jul 20, 2020 10:39 am
Forum: Personal Finance (Not Investing)
Topic: $359k in med school debt; advice for family member
Replies: 101
Views: 6985

Re: $359k in med school debt; advice for family member

contact a lender such as SoFi or Republic to inquire about a refi of those loans at a much cheaper rate, and therefore lower payments. The downside of course is that one immediately loses any federal loan protections.
by Big Dog
Sun Jul 19, 2020 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Trigger an estate tax by moving IRA before death?
Replies: 44
Views: 1692

Re: Trigger an estate tax by moving IRA before death?

I'm far from an expert here, but if you closed the IRA, then as executor you'd be passing cash on to her beneficiaries. If you left it as an IRA, then couldn't they receive inherited IRAs? Do you know which would be the better for them tax-wise? Cheesebreath, my only reason for wanting to close out...
by Big Dog
Sat Jul 18, 2020 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Can an HOA levy a transfer fee without a vote?
Replies: 16
Views: 1037

Re: Can an HOA levy a transfer fee without a vote?

In a lot of places, HOAs do have surprisingly broad powers. Typical turn out for an HOA meeting here is usually about a dozen people for a community of a thousand homes. Maybe it’s possible they did have a vote and nobody showed up? For the HOAs I’ve been in, what usually happens at these meetings ...
by Big Dog
Sat Jul 18, 2020 10:15 am
Forum: Personal Investments
Topic: Until What Age Would You Recommend 0% Bond Allocation?
Replies: 149
Views: 8075

Re: Until What Age Would You Recommend 0% Bond Allocation?

can't recommend to anyone else since I don't know your details, but I was 100% stocks until 62, with a planned retirement of ~67.
by Big Dog
Thu Jul 16, 2020 1:31 pm
Forum: Personal Investments
Topic: Second-to-die insurance?
Replies: 13
Views: 768

Re: Second-to-die insurance?

I'd probably put that money towards a tax attorney who could help minimize state estate taxes.
by Big Dog
Thu Jul 16, 2020 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Tired Lawyer, Need career and life advice
Replies: 106
Views: 13611

Re: Tired Lawyer, Need career and life advice

Lawyers are a dime-a-dozen. Good lawyers aren’t. And those who earn $300k+ are generally pretty good lawyers. Sorry, but yes good lawyers are plentiful. The US graduates 2x the number of lawyers actually needed every year. The T14 keeps cranking out really smart attorneys every year. Plenty of Big ...
by Big Dog
Thu Jul 16, 2020 11:35 am
Forum: Personal Investments
Topic: Vanguard brokerage vs old-style mutual fund account
Replies: 37
Views: 2965

Re: Vanguard brokerage vs old-style mutual fund account

The majority of the concern about the platform switch is overblown. I suggest revisiting your reasons not to switch, and seeing if the are both factual and still applicable. Use the time now BEFORE they force you to switch. No full end-of-year report - check. Limited options for reinvested dividend...
by Big Dog
Thu Jul 16, 2020 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Tired Lawyer, Need career and life advice
Replies: 106
Views: 13611

Re: Tired Lawyer, Need career and life advice

DH is tired of being a lawyer—there’s a feeling of burnout, underappreciation, and anxiety. ....... Work hours are not that bad for a lawyer—40 hours a week and now working from home due to COVID. ..... Total annual compensation: Low $300k If earning $300K for working a 40 hour week job is "not tha...
by Big Dog
Wed Jul 15, 2020 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: How much to put down on mortgage
Replies: 26
Views: 1995

Re: How much to put down on mortgage

A 30 year loan with 20% down. I HATE PMI.
by Big Dog
Wed Jul 15, 2020 3:55 pm
Forum: Personal Investments
Topic: Jack and Vanguard Faithful Considering Fidelity Index Funds for Zero Minimum Investment
Replies: 82
Views: 5763

Re: Jack and Vanguard Faithful Considering Fidelity Index Funds for Zero Minimum Investment

I'm a big Vanguard supporter and long-time investor (back when Jack was pushing the S&P 500). That said, my MegaCorp employer outsourced our benefits to Fidelity back in the 90's and I rolled my 401k balances to Fido when I left. As a result our investments are 2/3rds Vanguard and 1/3rd Fido. Both ...
by Big Dog
Wed Jul 15, 2020 2:49 pm
Forum: Personal Investments
Topic: Jack and Vanguard Faithful Considering Fidelity Index Funds for Zero Minimum Investment
Replies: 82
Views: 5763

Re: Jack and Vanguard Faithful Considering Fidelity Index Funds for Zero Minimum Investment

I'm a big Vanguard supporter and long-time investor (back when Jack was pushing the S&P 500). That said, my MegaCorp employer outsourced our benefits to Fidelity back in the 90's and I rolled my 401k balances to Fido when I left. As a result our investments are 2/3rds Vanguard and 1/3rd Fido. Both a...
by Big Dog
Wed Jul 15, 2020 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Relinquishing CA residency
Replies: 28
Views: 3072

Re: Relinquishing CA residency

Sure, as long as he changes his domicile (license, voter registration, car, bank, etc) to IL and has his CA employer withhold IL taxes. (But is the hassle worth a few % of income tax?) Questions of residency and domicile are subjective. The more things you can show to indicate that you have change ...
by Big Dog
Tue Jul 14, 2020 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Relinquishing CA residency
Replies: 28
Views: 3072

Re: Relinquishing CA residency

Basically if your source of income is in CA for the entire year 2020, but you moved in July 2020 to a state of your parents' residence (WFH), you are still considered a full-year CA resident in terms of CA state tax. If all of your income is in CA, you pay CA tax on all of it whether you are a resi...
by Big Dog
Tue Jul 14, 2020 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Relinquishing CA residency
Replies: 28
Views: 3072

Re: Relinquishing CA residency

For those that have left CA middle of the year were you able to claim non-resident status in CA after you moved? I have read that if you spend over 183 days in CA then you are a resident for the full year in CA's eyes even if you permanently move your abode to a different state. Is this accurate? I...
by Big Dog
Tue Jul 14, 2020 12:07 am
Forum: Personal Finance (Not Investing)
Topic: Relinquishing CA residency
Replies: 28
Views: 3072

Re: Relinquishing CA residency

For those that have left CA middle of the year were you able to claim non-resident status in CA after you moved? I have read that if you spend over 183 days in CA then you are a resident for the full year in CA's eyes even if you permanently move your abode to a different state. Is this accurate? I...
by Big Dog
Mon Jul 13, 2020 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: HELP! Columbia Threadneedle, Medallion Signatures, Notorized Doctor's Letter!
Replies: 14
Views: 1249

Re: HELP! Columbia Threadneedle, Medallion Signatures, Notorized Doctor's Letter!

There are traveling notaries. Perhaps you can pay for one to go to the doctor's office, notarize the document, and then have the document sent to you. Another alternative is to call around the opthamoloigsts in your aunt's town, explain the situation and see if they'll do an exam and produce a nota...
by Big Dog
Sun Jul 12, 2020 7:58 pm
Forum: Personal Consumer Issues
Topic: Mail to IRS--Certified
Replies: 31
Views: 2141

Re: Mail to IRS--Certified

Normally, I just use a stamp or two. Have NEVER sent anything to tax folks certified. But if I have a bunch of pages to mail, I use second-day Flat Rate envelope, which comes with tracking built into the price. I figure that if it gets lost, you figure it out and you re-send it, and that probably th...
by Big Dog
Sun Jul 12, 2020 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Funding A Living Trust: Re-Title or Payable/Transfer on Death
Replies: 15
Views: 931

Re: Funding A Living Trust: Re-Title or Payable/Transfer on Death

if your kids were 18+, then a ToD/PoD could work fine, including any home you might own. But if you and your wife get hit by a bus, the minor kids cannot own a brokerage account.....
by Big Dog
Sun Jul 12, 2020 3:11 pm
Forum: Personal Consumer Issues
Topic: Visiting dentist during pandemic (still under stay home orders)
Replies: 30
Views: 2459

Re: Visiting dentist during pandemic (still under stay home orders)

If you are with a Hygienist, make sure that the dentist is not working on a patient in the next chair with a high speed drill. Those things send aerosols everywhere.
by Big Dog
Sat Jul 11, 2020 1:54 pm
Forum: Personal Consumer Issues
Topic: [Tesla owners - opinions?]
Replies: 36
Views: 2950

Re: Tesla

Own a 2019 Tesla Model 3, long range. Best car I have ever owned, hands down. .... It just puts a smile on my face every time I drive. I could not be happier. Purchased a Model 3 LR in April-18. Thought wifey would hate it (as she drove a Jag S-Type.) Just the opposite, she wanted one too. Now we h...
by Big Dog
Thu Jul 09, 2020 8:59 pm
Forum: Personal Consumer Issues
Topic: 1-stage vs 5-stage HVAC compressor?
Replies: 30
Views: 2228

Re: 1-stage vs 5-stage HVAC compressor?

Everything I've read is that variable speed blowers don't last long and are expensive to repair. So, we just went with a two-speed which has worked great. But then we're in SoCal, so humidity is rarely an issue.
by Big Dog
Thu Jul 09, 2020 10:38 am
Forum: Investing - Theory, News & General
Topic: Vanguard Sells out to China
Replies: 8
Views: 1851

Re: Vanguard Sells out to China

https://www.bloomberg.com/news/articles/2020-07-09/vanguard-nyse-set-to-weigh-in-on-u-s-crackdown-on-china-firms "Vanguard believes that global diversification and investing in China is beneficial for investors” What does this have to do with forcing Chinese (or any foreign) companies to comply wit...
by Big Dog
Thu Jul 09, 2020 10:34 am
Forum: Personal Investments
Topic: What does it mean that Amazon owns 7% of my company’s stock?
Replies: 21
Views: 2126

Re: What does it mean that Amazon owns 7% of my company’s stock?

It shouldn’t matter if I revealed the name of the company because efficient markets, right? It’s in the proxy, so it’s already “public” information. But you may be the only person on the Forum who happens to have looked at the proxy. Here you go: https://i.ibb.co/Bntsdcz/976-DDCA3-0-AF2-4-C8-B-9-B7...