Search found 725 matches

by JoinToday
Sun Jul 22, 2018 11:51 pm
Forum: Personal Consumer Issues
Topic: Rotating Tires in Honda Odyssey
Replies: 4
Views: 252

Re: Rotating Tires in Honda Odyssey

I rotate approx. every 10K miles, and I alternate between front <=> back and cross. But I'll usually do it on an oil change day so I might miss the 10K mark by a few thousand K plus or minus. I do mine on oil change day also. every 5000 miles (wife's car) or approx 7500 miles (my car with oil monit...
by JoinToday
Sun Jul 22, 2018 11:10 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead plumbers? Need help.
Replies: 13
Views: 963

Re: Any Boglehead plumbers? Need help.

..... THE BLOODY ROD DISCONNECTED FROM THE NUT and the new rod fell into the tank!!! :oops: ..... If this weren't a family friendly forum, I would have to ask what was coming out of your mouth when you realized what had happened. But since it is a family friendly forum, would the language out of yo...
by JoinToday
Wed Jul 18, 2018 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Liability with assets in irrevocable trust, bsteiner
Replies: 1
Views: 298

Liability with assets in irrevocable trust, bsteiner

I am following the advice given by bsteiner: When wife & I pass, our assets are held in an irrevocable trust for the beneficiaries for asset protection considerations (divorce & lawsuit risks in particular; no spendthrift or substance abuse issues or concerns). It occurred to me that if a house is o...
by JoinToday
Wed Jul 11, 2018 12:50 am
Forum: Personal Consumer Issues
Topic: Tool cabinets?
Replies: 32
Views: 2072

Re: Tool cabinets?

I went through this exercise and read all the reviews, watched the videos, etc. for these cabinets. I was willing to buy a $nap-On if that was the only quality option. :moneybag The big ones cost thousands of dollars, though! :shock: Fortunately, Harbor Freight makes a line called US General which ...
by JoinToday
Tue Jul 10, 2018 2:37 am
Forum: Personal Finance (Not Investing)
Topic: Grandmas Living Trust... Need Advice
Replies: 22
Views: 1384

Re: Grandmas Living Trust... Need Advice

Since you are in Calif (same as I am), you really, really, really want to avoid probate. Make sure every account has beneficiaries, or is titled in the trust Make sure all real estate is either in the trust or has a beneficiary. Make sure you sit down with your grandmother & go over all assets, safe...
by JoinToday
Tue Jul 10, 2018 2:28 am
Forum: Personal Finance (Not Investing)
Topic: Grandmas Living Trust... Need Advice
Replies: 22
Views: 1384

Re: Grandmas Living Trust... Need Advice

...... Thank you for the reply. Yes we are in California The Annuities and IRAs have beneficiaries already. She has a living trust bank account with beneficiaries listed as well, but that account only has about 15k in it. I will do my research here and search for bsteiner. I am definitely leaning t...
by JoinToday
Mon Jul 09, 2018 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Grandmas Living Trust... Need Advice
Replies: 22
Views: 1384

Re: Grandmas Living Trust... Need Advice

Are your grandmother’s assets currently in a living trust or is she considering setting one up? What is the role of the agent that you mentioned? She has a living trust established that my grandfather and her set up years ago. However, all of the assets are still under her name. The agent is a New ...
by JoinToday
Sat Jul 07, 2018 11:14 pm
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 5635

Re: Girls and investing

Mademoisellebogleheads wrote:
Sat Jul 07, 2018 11:10 pm
How old should a girl be before she starts to take golf lessons?

7 or 8. The earlier the better
by JoinToday
Sat Jul 07, 2018 10:34 pm
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 5635

Re: Girls and investing

When we look at the roster of all the famous legendary investors in the world, NOT A SINGLE WOMAN. ... Not true: Hetty Green, the Witch of Wall Street: https://en.wikipedia.org/wiki/Hetty_Green edited to add: looks like randomguy already listed her 1. My initial reaction regarding boys and girls is...
by JoinToday
Sat Jul 07, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting Back to Parents
Replies: 14
Views: 1438

Re: Gifting Back to Parents

I don't think your scheme is legal. Whether the IRS catches it is a different question, but it is not strictly legal to give to the other kids, have them give to the parents with the intent to avoid the $15K/person gift limit. Do $60K to the parents/inlaws this year, $60K next year, and $10K the fol...
by JoinToday
Thu Jul 05, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 148
Views: 10443

Re: What I spent in 6 months on medicare

mhalley wrote:
Thu Jul 05, 2018 7:47 pm
I am 63 and paying 24k a year for HSA bronze plan, plus my wife spent 3 days in the hospital that cost Me 6k. Can't wait for Medicare. Plus about $300 for rx.
I need to join the real world. I am stunned by these prices.
by JoinToday
Thu Jul 05, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 148
Views: 10443

Re: What I spent in 6 months on medicare

$2K in 6 months? x2 for husband & wife, approx x2 for whole year. $8K. Wow. :shock: That is a line item in the budget that I didn't expect. I didn't realize it was so expensive. I had the opposite reaction. I wish I could buy into Medicare. I recently saw the 2019 figures for my ACA plan. My premiu...
by JoinToday
Thu Jul 05, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 148
Views: 10443

Re: What I spent in 6 months on medicare

$2K in 6 months? x2 for husband & wife, approx x2 for whole year. $8K. Wow. :shock:

That is a line item in the budget that I didn't expect. I didn't realize it was so expensive.
by JoinToday
Wed Jul 04, 2018 11:05 pm
Forum: Personal Consumer Issues
Topic: Walking Coast-to-Coast
Replies: 86
Views: 6571

Re: Walking Coast-to-Coast

That is impressive at any age!

What did you think about when walking, or did you have audio books & podcasts to keep your mind occupied?

a little over 16 miles per day. Very impressive.
by JoinToday
Wed Jul 04, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 5329

Re: How to tip

FrugalInvestor wrote:
Wed Jul 04, 2018 4:32 pm
I typically tip 15% +/- on the total bill.

If my wife and I split a meal (which we often do) I'll tip as if we purchased two meals. ...
So if you split a $20 meal (including tax), do you tip 15% of the total bill (15% x $20), or do you tip as if it were $40?
by JoinToday
Thu Jun 28, 2018 3:31 am
Forum: Investing - Help with Personal Investments
Topic: suggestions on rebalancing?
Replies: 4
Views: 459

Re: suggestions on rebalancing?

I never sell after tax equity funds to buy after tax bond funds; I never (yet) had to sell after tax equity unless I was doing tax loss harvesting, and I don't buy after tax bond funds due to tax efficiency. Do all your rebalancing in your 401k or rollover IRA. Sell bond funds in your rollover IRA, ...
by JoinToday
Tue Jun 26, 2018 12:27 am
Forum: Personal Consumer Issues
Topic: Gifting trip for inlaws
Replies: 22
Views: 2586

Re: Gifting trip for inlaws

..... Parents were not that comfortable traveling due to fear of the unknown related to the "hows" of traveling ("What do we do if the hotel says they don't have a room for us?") . Ended up buying them a week-long trip to Nashville, an all-inclusive deal arranged by a travel agent. All the activiti...
by JoinToday
Mon Jun 25, 2018 12:17 am
Forum: Personal Finance (Not Investing)
Topic: Compliments for Vanguard?
Replies: 40
Views: 3142

Re: Compliments for Vanguard?

I've had my portfolio in Vanguard for almost 30 years. ..... I've been with Vanguard for over 22 years, ..... I've been with Vanguard since 1982. .... I have been a Vanguard customer for 38 years. .... I am envious when I read the time people have been with VG. And a little painful. While life is g...
by JoinToday
Sun Jun 24, 2018 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: paid financial advisors
Replies: 6
Views: 919

Re: paid financial advisors

I second Taylor's recommendation for Vanguard PAS. You won't have to worry that they are selling some fund for profit reasons, and you won't get jacked with a high ER. PAS give good, solid financial advice. One could argue that it isn't the best advice (with respect to international bonds, and perha...
by JoinToday
Sun Jun 24, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: House seller fudging disclosure re: buried oil tank?
Replies: 36
Views: 4052

Re: House seller fudging disclosure re: buried oil tank?

Disclose to the seller and selling realtor in writing. They have an obligation to be truthful. If the listing / condition is not corrected, let the new buyers know in writing (best before closing so they have some leverage). Lawsuits after the fact are expensive for both parties, but winnable by the...
by JoinToday
Fri Jun 22, 2018 1:27 am
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8418

Re: how to make friends in new location?

jayk, Why do you feel you have to find friends for your wife? ... This is a very rude post. Passive aggressive, condescending, where to begin? I'm not going to dignify it with a proper response. I'm sorry but the original post came across to me as if you needed to make all the decisions for your wi...
by JoinToday
Fri Jun 22, 2018 12:57 am
Forum: Personal Consumer Issues
Topic: 4K Computer Monitors: 27 vs 32 inches?
Replies: 29
Views: 2281

Re: 4K Computer Monitors: 27 vs 32 inches?

I use two 25" 2,560x1,440 monitors. I tried a 30" 4K monitor but the pixel size is too small. 1,920x1,080 isn't quite bit enough for windows which are side by side, but 2,550x1,440 works really well. =) Dual 27"'s on my desk. Life is good. I am not sure if I can go much bigger. 5 foot wide desk. I ...
by JoinToday
Wed Jun 20, 2018 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: help, inheritance of $3.5M, read & read BogleH, & still in the dark
Replies: 33
Views: 4475

Re: help, inheritance of $3.5M, read & read BogleH, & still in the dark

..... I have a market knowledgeable family member that has offered advise. Seems the advise concept is basically 80% in an extremely safe diversified preferred stock portfolio currently paying about 4% annual dividends. Buy a home using a portfolio loan (this family member tells me that's how the b...
by JoinToday
Wed Jun 20, 2018 11:25 pm
Forum: Personal Consumer Issues
Topic: What will (or would) you tip when wages go up?
Replies: 53
Views: 3598

Re: What will (or would) you tip when wages go up?

Now that I am all riled up, there is one other thing: I don't like paying $6 or $7 for a beer (plus 9.5% sales tax :shock: , plus tip. $8 or $9 for a beer worth $1.50? It chaps my hide. I drink water now.
by JoinToday
Wed Jun 20, 2018 11:17 pm
Forum: Personal Consumer Issues
Topic: What will (or would) you tip when wages go up?
Replies: 53
Views: 3598

Re: What will (or would) you tip when wages go up?

Tipping rubs me the wrong way for some reason, especially the cup at the end of a place like subway/jersey mikes's/etc, where I stand in line, give guidance on what I want and pay, or Starbucks when I only order a coffee, or a bar or golf course where someone hands be a beer or hot dog. Having said ...
by JoinToday
Wed Jun 20, 2018 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Behind the 8-Ball at 36
Replies: 13
Views: 3236

Re: Behind the 8-Ball at 36

Life comes at you fast. I'm 36 and about to retire from the military after 20 years and recently found out my girlfriend is pregnant and due in Jan 2019. ..... - Will get married and probably have one more child Thanks for any advice you can give me! My initial thought after I read the first few se...
by JoinToday
Wed Jun 20, 2018 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on using a wealth manager or financial advisor?
Replies: 43
Views: 4444

Re: Advice on using a wealth manager or financial advisor?

.... Thanks for the answer! I spoke to a few attorneys and got some conflicting information. I know that this is not often litigated and where it has active/passive appreciation is taken into account. It would need to be argued, but in the event of a contested divorce the burden is on me to show pa...
by JoinToday
Wed Jun 20, 2018 1:25 am
Forum: Investing - Help with Personal Investments
Topic: Advice on using a wealth manager or financial advisor?
Replies: 43
Views: 4444

Re: Advice on using a wealth manager or financial advisor?

.... I live in a community property state (Cali) and this property is currently separate property (haven't touch it since being married). I'm married, but things are starting to go sour (we're working on it). Regardless, I wanted to think about keeping this separate if it comes to it. To those that...
by JoinToday
Tue Jun 19, 2018 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: I don't trust my own estimate of expenses
Replies: 29
Views: 2457

Re: I don't trust my own estimate of expenses

For me EVERYTHING is paid through my one checking account. I just pulled 24 months of statements from the bank and summed the debits. Gave a pretty good picture. Dottie57 is showing the right/easiest/most accurate way to do it. This is what I do: a. download the year's transactions from my checking...
by JoinToday
Sun Jun 17, 2018 1:32 am
Forum: Investing - Help with Personal Investments
Topic: When is the June ex-dividend date for VTSAX
Replies: 29
Views: 2661

Re: When is the June ex-dividend date for VTSAX

..... It’s just an automated investment timed for every paycheck. I’m in the 35% federal bracket + 9+% state so my marginal ends up being close to 45%. .... Must be California. I find it particularly grating to hear politician talk about how the rich need to pay their fair share, and it makes me ma...
by JoinToday
Sat Jun 16, 2018 10:38 pm
Forum: Investing - Theory, News & General
Topic: A different theoretical view of SWR
Replies: 63
Views: 3980

Re: A different theoretical view of SWR

Look at the method proposed by Henry Hebler, he called the method "autopilot". https://www.marketwatch.com/story/put-retirement-savings-withdrawals-on-autopilot-2013-07-24?pagenumber=2 I am planning on doing something like what he proposes. You can withdraw 1/N (%) of your portfolio each year. Norma...
by JoinToday
Fri Jun 15, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: I am STUNNED over how much help my friends recieved with house purchase!
Replies: 47
Views: 3948

Re: I am STUNNED over how much help my friends recieved with house purchase!

...... "Comparison is the thief of joy" is so true. There are so many that struggle /very happy with far less. Your quote above is good, I like it. Some people have huge burdens in life, either physical issues or difficult situation growing up, etc. I admire those that can be happy with some of the...
by JoinToday
Fri Jun 15, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: I am STUNNED over how much help my friends recieved with house purchase!
Replies: 47
Views: 3948

Re: I am STUNNED over how much help my friends recieved with house purchase!

........ I told my wife about this and she just said "Don't be jealous!" And I was like, "No, I'm the opposite of that!" I'm not jealous at all!" ........ * How much money have you given your kid(s) for their house purchase? * How much money should you give your child for this purpose? * Should you...
by JoinToday
Wed Jun 13, 2018 5:31 pm
Forum: Investing - Theory, News & General
Topic: Recommendations for specific "Boglehead-like" podcast episodes (for elderly mother)
Replies: 19
Views: 1521

Re: Recommendations for specific "Boglehead" podcast episodes (for elderly mother)

My 86 y/o widowed mother ....... She isn't interested in reading anything about investing, nor watching the Bogleheads video series. We have 10 hrs of driving planned this weekend, so I'd like to play a few podcasts for her, covering the basics of asset allocation and the concept of "Total Portfoli...
by JoinToday
Wed Jun 13, 2018 12:40 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor Services
Replies: 45
Views: 3334

Re: Vanguard Advisor Services

The notion that Vanguard PAS is a ripoff is not correct in my opinion. 0.3% fee is a bargain if it prevents you from making just one boneheaded mistake. Picture the guy who could "do it himself" in 2008 .... until he capitulated near the bottom of the stock market and sold his equity. He then sat on...
by JoinToday
Sat Jun 09, 2018 12:53 am
Forum: Personal Consumer Issues
Topic: Rowing machine motivation
Replies: 82
Views: 5341

Re: Rowing machine motivation

I have a treadmill, and find the mental aspect of using it really difficult. I use podcasts, but it is mentally challenging to stay on it for half an hour. But I treat it like brushing my teeth. It doesn't matter if I enjoy it, it is just something I need to do for health reasons. Just getting star...
by JoinToday
Fri Jun 08, 2018 11:31 pm
Forum: Personal Consumer Issues
Topic: Rowing machine motivation
Replies: 82
Views: 5341

Re: Rowing machine motivation

I have a treadmill, and find the mental aspect of using it really difficult. I use podcasts, but it is mentally challenging to stay on it for half an hour. But I treat it like brushing my teeth. It doesn't matter if I enjoy it, it is just something I need to do for health reasons. Just getting start...
by JoinToday
Fri Jun 08, 2018 11:26 pm
Forum: Investing - Help with Personal Investments
Topic: tax loss worthwhile?
Replies: 15
Views: 1280

Re: tax loss worthwhile?

IF you are in a tax bracket where you pay no tax on LTCG, this is the time to be doing tax GAIN harvesting on LTCG, not tax LOSS harvesting on LTCG
by JoinToday
Sun Jun 03, 2018 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Helping son buy a house
Replies: 33
Views: 3085

Re: Helping son buy a house

Shouldn't (a) the loan amount compared to the net worth of the loaner be a significant factor in the decision? and (b) If the parent/loaner has excess assets that will likely be passed to kid as inheritance, that should also be a factor? If the kid/relative wants to borrow 20% of the parent's financ...
by JoinToday
Sat May 26, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Helping Adult Children (but not too much)
Replies: 152
Views: 12691

Re: Helping Adult Children (but not too much)

I inherited a significant amount of money when my mother died. I was already retired myself when I got my inheritance. From my point-of-view, that was money ill-used. My parents could have enjoyed their money (travel, cars, charity) and/or they could have distributed more to me and my children when...
by JoinToday
Fri May 18, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: HV Landscaping Electrical Wiring
Replies: 7
Views: 573

Re: HV Landscaping Electrical Wiring

Low voltage lights by themselves may be problematic if you are not careful. With an acre, I suspect the OP may be running wires 100's of feet. There is a lot of voltage drop associated with the higher currents of low voltage lights. The LED lights are the way to go: lower power results in lower oper...
by JoinToday
Fri May 11, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: When to claim Social Security: two reasons not to wait
Replies: 68
Views: 12078

Re: When to claim Social Security: two reasons not to wait

Currently, for someone who is still working and in good health, it would seem hard to justify collecting early. Eighty five percent of the benefit will be taxed at a high rate, so you have only the after tax value of the benefit to weigh against the increased monthly amounts to be had by waiting. S...
by JoinToday
Fri May 11, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: How to find reputable person for Will/Trust?
Replies: 45
Views: 3833

Re: How to find reputable person for Will/Trust?

For things like this, the best resource if finding friends and neighbors who are satisfied customers of a particular service, in this case lawyers who do wills and trusts. When we did ours, I asked a few trusted neighbors and they all recommended the same person so it was a no brainer at that point...
by JoinToday
Tue May 08, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: 36" or 42" wide Refrigerator?
Replies: 33
Views: 2867

Re: 36" or 42" wide Refrigerator?

Unless you have money to burn, go with standard size refrig. When (not if) it needs to be replaced, having the option of standard 36 inch refrig will be nice.

42 inch may look better, but you are paying a lot for looks without much (if any) improved performance, etc.
by JoinToday
Tue May 08, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Whole house fan
Replies: 7
Views: 1606

Re: Whole house fan

..... Mine is made by Triangle Engineering (google it), is a real beast and has been in place for 10 years now without issues and gets used almost daily from early May thru September/October. It is running right now, matter of fact. Outside temp this morning was 55 when I turned it on 30 minutes ag...
by JoinToday
Tue May 01, 2018 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: How do you fund spending in retirement
Replies: 26
Views: 3346

Re: How do you fund spending in retirement

I switched my credit card payments and due dates to all be around the 7th or 10th of the month. This is similar to what I did. I arranged all the direct debits to hit at the beginning of the month. The credit cards close at the end and the payments are due ~ the 20th. By the last week of the month ...
by JoinToday
Tue May 01, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: How do you fund spending in retirement
Replies: 26
Views: 3346

Re: How do you fund spending in retirement

One of the personal finance tools I learned that I needed, and then developed, many years ago was to be able to project cash flow. I have long used Microsoft Excel as my tool of choice for keeping track of finances, first beginning with a check register around 1992. As part of my planning I realize...
by JoinToday
Sun Apr 29, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: How do you fund spending in retirement
Replies: 26
Views: 3346

Re: How do you fund spending in retirement

One thing to consider in retirement, if you get sick/hospitalized (or worse), who will be taking over your accounts and is the added complexity worth it in that regard? I am trying to balance the complexity factor with the added few hundred dollars in added interest. I am kind of lazy in this respe...
by JoinToday
Sun Apr 29, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: How do you fund spending in retirement
Replies: 26
Views: 3346

How do you fund spending in retirement

There were 2 recent threads, one regarding how much you keep in your checking account and another regarding the funding of lumpy expenses, that got me thinking: How do people fund their account for spending in retirement? Do you add funds to your checking account (a) monthly, (b)quarterly, (c) yearl...
by JoinToday
Sat Apr 28, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: Family vacationing
Replies: 41
Views: 4253

Re: Family vacationing

For 5 & 8 year old, go camping. That will be more fun & be more memorable for the kids. Playing in the dirt, streams, fishing, hiking, skipping rocks, watching the stars, satellites, etc. Add campfire. Sleeping in a tent. Doesn't get much better that that for kids Or perhaps Grandparents/relatives (...