Search found 698 matches

by Big Dog
Sat May 26, 2018 11:41 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 292
Views: 22715

Re: Do people still use AAA?

AAA batteries are made by Johnson controls.. Same people who make walmart brand, toyota, and more. They are pretty much all the same. What you need to pay attention to is how fresh they are when they're installed. And like everything, they aint' made like they use to be. Heat is a particular killer...
by Big Dog
Sat May 26, 2018 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: work one more year or attend law school
Replies: 36
Views: 2367

Re: work one more year or attend law school

So I am accepted to law schools in the top 5 already. I have not asked about deferring yet as I am undecided. I have acceptances in the T14, T10, etc however I think I want to attend the highest ranked school. Also I am attending law school this year or next my current job does not have upward mobi...
by Big Dog
Fri May 25, 2018 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: work one more year or attend law school
Replies: 36
Views: 2367

Re: work one more year or attend law school

fwiw: if you have the numbers for a T5 law school, you have the numbers to attend a lower-ranked T14 for a LOT less. The ROI on that is much, much better.
by Big Dog
Fri May 25, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: Air Conditioner Questions: Stop Leak & Qualified Technician
Replies: 8
Views: 508

Re: Air Conditioner Questions: Stop Leak & Qualified Technician

has anyone provided an estimate for a leak check? Supposedly, not that difficult.

As an aside, I'm a big fan of Hvac-talk for insights into home ac:

http://hvac-talk.com/vbb/forumdisplay.p ... ntial-HVAC
by Big Dog
Fri May 25, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75794

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

Fair questions. Can’t prove, just like can’t prove they are best and most fun vehicles we have ever owned, purely subjective, though on this one topic my wife and I are in full agreement, which must mean something. Ditto. Wife: "I like driving this car. I really like driving this car." Have had my ...
by Big Dog
Mon May 21, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75794

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

Yess, 44 amps is the fastest that you can currently* charge an M3 with a 60 amp circuit. (Of course, some of the Model S's will charge faster.) Since you had a 50 amp circuit already in the garage you were in great shape. I only had a 110/120 in the garage and it was my Ground Fault for the bathroom...
by Big Dog
Mon May 21, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75794

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

My understanding is that you just install an outlet like a washing machine receptacle(14-50). Then you can use whichever plug system you want. Tesla or otherwise. I believe there is a good explanation here: https://www.tesla.com/support/home-char ... stallation For me, I could just use my dryer out...
by Big Dog
Mon May 21, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75794

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

A few lucky people may get the $35k car with the full tax credit. However, I certainly would not count on that. I'm sure Tesla is hoping that people will see that and opt for the long battery to get the full tax credit. Exactly, but highly unlikely since full tax credit will likely be gone by Dec 3...
by Big Dog
Mon May 21, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75794

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

3. How much of the $1000-$1500 for an outdoor level 2 charger would be reusable if I switched to a different EV company? If I want an outdoor charger, is there a generic solution? There are several manufacturers of L2 chargers that work with non-Tesla's. ClipperCreek and Bosch come to mind. You cou...
by Big Dog
Sun May 20, 2018 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Wife Retiring hesitant to roll-over funds to Vanguard
Replies: 36
Views: 2531

Re: Wife Retiring hesitant to roll-over funds to Vanguard

Sadly Vanguard has eliminated (new) mutual fund accounts and now all they have are those sub-par brokerage accounts.
I've been a long-time Vanguard fund holder and see no real difference since I moved all to the brokerage accounts. Of course, we are buy-and-hold with few transactions per year.
by Big Dog
Sun May 20, 2018 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Wife Retiring hesitant to roll-over funds to Vanguard
Replies: 36
Views: 2531

Re: Wife Retiring hesitant to roll-over funds to Vanguard

one anecdote: my mom had accounts at several brokerages, including Vanguard and Schwab. All were PoD/ToD. (When she died, Schwab was a PIA to get the accounts transferred. Vanguard made it happen within a few days of receiving a certified death certificate.) Schwab said it would go faster if I opene...
by Big Dog
Sat May 19, 2018 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer on Death Accounts
Replies: 28
Views: 2127

Re: Transfer on Death Accounts

One big downside to Vanguard TOD is that you cannot have a TOD on a joint account.
The only downside is when both spouses die simultaneously, or within a day or so (or before the first death cert is available). Otherwise, the surviving spouse can name a new ToD/PoD beneficiary.
by Big Dog
Sat May 19, 2018 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer on Death Accounts
Replies: 28
Views: 2127

Re: Transfer on Death Accounts

As far as I know only the only "bad" thing is that the account may get frozen for a short period after death until it gets transferred to the beneficiary. But to avoid that I think you'd need some kind of a trust and most people don't want to go the expense of setting up a trust. PoD/ToD are great ...
by Big Dog
Fri May 18, 2018 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheading...young family looking for advice and open to all feedback
Replies: 17
Views: 1081

Re: New to Bogleheading...young family looking for advice and open to all feedback

agree with the others, but I'd also reduce expense to buildup the emergency fund. With rental property, you never know when something will go out and you'll need a tranche of cash immediately. New a/c? Not sure the return is worth pumping $300k into commercial property. (Don't forget, teh new $1M va...
by Big Dog
Wed May 16, 2018 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage decision killing me
Replies: 52
Views: 6587

Re: Mortgage decision killing me

Personally I hate 30 year notes because early payments have such minuscule impact on principal.
Get the 30 and pay an additional ~$500/mo. You can always revert to minimum monthly if financial status changes.
by Big Dog
Wed May 16, 2018 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage decision killing me
Replies: 52
Views: 6587

Re: Mortgage decision killing me

sorry, but the ARM makes no sense to me. Sure, a recession could be coming, but so could another 5 year economic boom, which raises interest rates.

I'd go with the 30 and pay it down faster. If rates do drop, you can always do a no-cost refi.
by Big Dog
Wed May 16, 2018 7:50 pm
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 9059

Re: Yes, I'm 89 all right! [Jack Bogle]

Not sure I can ever express my appreciation for what Jack built. I was a BH before they even existed. Used to be with T. Rowe Price since I lived in Baltimore in the late 70's, and then I read an article about Jack and what he was trying to do. All the angst emanating from Wall Street about Jack bac...
by Big Dog
Wed May 16, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: Roof TV Antenna Recommendation Needed
Replies: 23
Views: 1544

Re: Roof TV Antenna Recommendation Needed

always been a fan of Weinguard.
by Big Dog
Wed May 16, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: Neighbor wants to use our land temporarily - let them or not?
Replies: 48
Views: 6023

Re: Neighbor wants to use our land temporarily - let them or not?

'absolutely', but I'd also add, 'your contractor will responsible to repair any damage, correct?' (Just in case his equipment cracks the sidewalk, for example.)
by Big Dog
Tue May 15, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: External Portable Hard Drive
Replies: 15
Views: 1104

Re: External Portable Hard Drive

costco is definitely the way to go
by Big Dog
Tue May 15, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Credit card with no credit history
Replies: 15
Views: 857

Re: Credit card with no credit history

check with your bank. You can usually get a small ($500) card to start building a history.
by Big Dog
Mon May 14, 2018 7:16 pm
Forum: Investing - Theory, News & General
Topic: Gross Margin - why aren't traffic acquisition costs counted as COGS for tech companies?
Replies: 16
Views: 732

Re: Gross Margin - why aren't traffic acquisition costs counted as COGS for tech companies?

So indirectly they earn money based on user traffic. You answered your own question with this line. (emphasis added) Generally, Gross Margin covers direct expenses to make/deliver a product. And yes, some/many software companies have huge gross margins. And that is why its important to examine the ...
by Big Dog
Sun May 13, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Does previous FAFSA apps affect future ones?
Replies: 7
Views: 615

Re: Does previous FAFSA apps affect future ones?

protip: some colleges stipulate that if you don't apply for finaid in Year 1, you may be ineligible to apply in Years 2+. Below is the wording from Tufts: "If you apply to Tufts not needing financial aid, you will not be eligible for institutional aid in future years. " Sure, you can appeal for a ch...
by Big Dog
Fri May 11, 2018 10:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 190
Views: 24456

Re: Roll Call for the Retirement Class of 2018!

we'll be ok remommyc. thanks for asking There was a lot of discontent and management upheaval last year, so everyone has been on borrowed time, so to speak. Exiting a year or two earlier than I had planned, but such is life. Will actively look for a senior level job, but with ageism being what it is...
by Big Dog
Fri May 11, 2018 9:19 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 190
Views: 24456

Re: Roll Call for the Retirement Class of 2018!

I was told last Tuesday that I'm joining the class. :|
by Big Dog
Sun May 06, 2018 10:46 am
Forum: Investing - Theory, News & General
Topic: Don't leave your non-spouse heirs TIRAs with basis, unless you hate them!
Replies: 92
Views: 8338

Re: Don't leave your non-spouse heirs TIRAs with basis, unless you hate them!

Don't make non-deductible contributions to an IRA unless a Roth conversion is on the horizon. Bingo. Passing on traditional IRA's is fine, particularly if the basis is zero. But to be clear, very few folks actually make non-deductible IRA contributions; indeed, only 14% of Americans make any IRA co...
by Big Dog
Tue May 01, 2018 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Berkshire Hathaway B
Replies: 65
Views: 6337

Re: Berkshire Hathaway B

held BRK-B since it was originally sold (2009?). <1% of portfolio
by Big Dog
Sat Apr 28, 2018 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Newly widowed and waay out of my league
Replies: 41
Views: 5252

Re: Newly widowed and waay out of my league

My condolences. Take time to grieve. Its a very difficult time. But the Boglehead forum is one of the most knowledgeable groups out there for free advice that happens to be worth a gazillion times more than what you pay for it. :D But I have to ask, do you have a need for $2-3M when you are 92? (hei...
by Big Dog
Tue Apr 24, 2018 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: [Vanguard account locked out due to deceased owner]
Replies: 73
Views: 5291

Re: [Vanguard account locked out due to deceased owner]

When my son passed two years ago, Vanguard was amazing. They were among the two easiest institutions to deal with. The day after I called I received a Fed-Ex with everything I needed to fill out. Ditto, only it was my step-mom, and I turned down the offer of Fedex for regular mail. But, they did fi...
by Big Dog
Sat Apr 21, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: Can physician charity services (or expenses) be written off?
Replies: 10
Views: 937

Re: Can physician charity services (or expenses) be written off?

Are business expenses such as equipment/supplies and employee salaries deducted under normal business operation? I'll need to ask my CPA if we already deduct these expenses anyway, which would make this a moot point.
Exactly.
by Big Dog
Sun Apr 08, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Best place to buy a TV
Replies: 33
Views: 2757

Re: Best place to buy a TV

costco
by Big Dog
Sun Apr 08, 2018 12:28 am
Forum: Personal Finance (Not Investing)
Topic: Undecided students and STEM majors
Replies: 51
Views: 4197

Re: Undecided students and STEM majors

UC schools were at the top of that list, due to high demand and not enough space. Not only that, graduating in 4 years is nearly impossible due to overcrowding. I kind of feel bad for CA kids in that regard, and it's one of the reasons why so many of them go out of state for their engineering degre...
by Big Dog
Sat Apr 07, 2018 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 13311

Re: Ivy school education. Is it worth it?

went to a top state school and have been very pleased with my education; however, if my son majors in business I want him to go Ivy League.
That narrows it down to just two (Penn and Cornell), as those are the only Ivies that offer undergrad business.
by Big Dog
Sat Apr 07, 2018 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 13311

Re: Ivy school education. Is it worth it?

I want to role play about the young person who studied very hard to get into an high impact school. Lets say Stanford. They worked super hard in high school and then worked super hard in college. Their family were upper middle class so they got some tuition assistance but not a huge amount. This st...
by Big Dog
Sat Apr 07, 2018 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 13311

Re: Ivy school education. Is it worth it?

I'd be surprised if many kids from modest or middle class means getting into Ivy League are paying full sticker price. There's no way they are. Indeed. heck, even some high income earners get a discount at Harvard and Yale. (up to $180k) My S attended one of the Ancient Eights for less than the cos...
by Big Dog
Fri Apr 06, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 3745

Re: How often do you replace your office shoes?

big Allen Edmonds fan. Recrafting is fantastic.

The last time I sent in a pair -- third time in 20 years --- the leather split. AE said no problem, pick something out of the catalog to replace them. Wonderful customer service.
by Big Dog
Sat Mar 31, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 54
Views: 4302

Re: Tired of gas grills rusting out...

had two weber's in 30+ years. (The only reason I got a replacement is that it was a gift from my former employer.) Yes, I live in SoCal, but its uncovered.
by Big Dog
Fri Mar 30, 2018 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 624
Views: 67358

Re: Picking College and College Scholarships

It's really a matter of semantics. You could take two years to do a MA and then 5 more to get your PhD, or you could take 7 years to get your PhD and along the way when you rack up a certain amount of credits they just give you an MA. Or, you could skip the MA and get a PhD in ~5 years. Here's an e...
by Big Dog
Fri Mar 30, 2018 12:24 am
Forum: Investing - Help with Personal Investments
Topic: Investing 150k of law school tuition
Replies: 7
Views: 853

Re: Investing 150k of law school tuition

If she has the numbers for a top 10 school, she can likely get some serious merit money a few notches down. Unless you are wealthy, LS is not worth paying sticker (outside of Yale).
by Big Dog
Thu Mar 29, 2018 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 624
Views: 67358

Re: Picking College and College Scholarships

The second kid is on track to graduate in 3 years, and her adviser is suggesting she go straight to a PhD, bypassing a masters (never heard of this until he suggested it). It is actually quite common to go directly to a PhD program, without a MA/MS. In fact, top PhD programs won't give much credit ...
by Big Dog
Thu Mar 29, 2018 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 624
Views: 67358

Re: Picking College and College Scholarships

No. Not when your other choices are excellent schools. I disagree, if the OP has the cash to pay it. The top 3 for Engineering (in alpha order) are Cal, MIT and Stanford. And then everyone else. Been that way for years. Of course, the downside is that a private at full price is ~70k/yr, so it would...
by Big Dog
Thu Mar 29, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Cosign college loan for sibling?
Replies: 87
Views: 3989

Re: Cosign college loan for sibling?

just say no to co-signing, but consider picking up the balance due on your loans.
by Big Dog
Sat Mar 24, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 22711

Re: Anyone Deleting Facebook?

not into making myself eligible for marketers so never used it, so nothing to delete.
by Big Dog
Fri Mar 23, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: USAA- limited options for investments w/ high ER's, but I still feel loyal. Help!
Replies: 43
Views: 2285

Re: USAA- limited options for investments w/ high ER's, but I still feel loyal. Help!

coming up on my 40 year anniversary with USAA insurance (auto, home, term life), but I left their investments and banking services long ago. As much as I respect and admire what they do, I refuse to pay above market rates for stuff that I can get cheaper. That being said, I always give USAA a chance...
by Big Dog
Thu Mar 22, 2018 10:40 pm
Forum: Investing - Theory, News & General
Topic: Building a bridge to Social Security: When to start?
Replies: 34
Views: 4058

Re: Building a bridge to Social Security: When to start?

this whole concept just doesn't make any sense to me. It's just moving money from the right pocket to the left pocket. Take xx dollars (8 year's worth of SS payments) and park them in a savings account? Sure, they are secure, but you miss 8 years of possible growth. Don't many advisors already recom...
by Big Dog
Wed Mar 21, 2018 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Reimbursement for COBRA considered taxable income?
Replies: 11
Views: 911

Re: Reimbursement for COBRA considered taxable income?

Not taxable because you are required to prove that you have made payments before your former employer will reimburse you. I don't believe this is correct. So, it seems this would still end up being taxable income to me if they do it that way. I don't think there is way for me to deduct it after the...
by Big Dog
Wed Mar 21, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Reimbursement for COBRA considered taxable income?
Replies: 11
Views: 911

Re: Reimbursement for COBRA considered taxable income?

Not taxable because you are required to prove that you have made payments before your former employer will reimburse you.
I don't believe this is correct.
by Big Dog
Sun Mar 18, 2018 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Best Way to Leave Inheritance - IRA or Home Equity?
Replies: 17
Views: 2179

Re: Best Way to Leave Inheritance - IRA or Home Equity?

probably too early to think about it.

We're mid-60's, and not sure how many more years we'll keep the house/equity. If one spouse dies, no doubt the remaining spouse will sell and move into a smaller place, which may just be an apartment. So all that equity will go into a taxable account.
by Big Dog
Sun Mar 18, 2018 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 155
Views: 8795

Re: Need for Medicare supplemental plan?

I've been wondering whether the insurance companies were going to start offering G high deductible. Me too, but not holding my breath that the CAlif will approve it for sale. (The powers-that-be in our state hate high deductible plans.) I am hoping that I would be able to switch from F-HD to G-HD, ...