Search found 636 matches

by Misenplace
Mon Sep 28, 2020 2:41 pm
Forum: Personal Consumer Issues
Topic: What Age Appropriate For STAR WARS?
Replies: 24
Views: 999

Re: What Age Appropriate For STAR WARS?

This topic is locked because it is off topic for the forum (parenting decisions, not about investing or personal finance). See acceptable topics for the Personal Consumer Issues forum This subforum is focused on making informed decisions about consumer goods and services (other than investing or fi...
by Misenplace
Sat Sep 26, 2020 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Physicians: Should I leave my job?
Replies: 207
Views: 15752

Re: Physicians: Should I leave my job?

This thread has run its course and is locked (topic exhausted). Several posts, and replies to them, have been removed as they further degenerated the discussion. See: Locked Topics Moderators or site admins may lock a topic (set it so no more replies may be added) when a violation of posting policy...
by Misenplace
Sat Sep 26, 2020 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Should I have an estate plan at this point in my life?
Replies: 25
Views: 1504

Re: Should I have an estate plan at this point in my life?

Thank you for the long and detailed response. I’m in a weird situation in which I entered Active Duty in Nevada which automatically makes it my home of record and is used for income tax purposes. I have no intention to ever return to the state. I currently live in Alabama, own a home here, and I am...
by Misenplace
Fri Sep 25, 2020 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Should I have an estate plan at this point in my life?
Replies: 25
Views: 1504

Re: Should I have an estate plan at this point in my life?

Nevada is a community property state, and it appears the $2M of assets are community property (if they were earned during the marriage). So if you die tomorrow, your estate is $1M. Your wife gets her half of the community property- it is not in trust because it is hers. Did the Alabama attorneys add...
by Misenplace
Sun Sep 20, 2020 10:54 am
Forum: Investing - Theory, News & General
Topic: Chris Hogan's Facebook Group restrictions
Replies: 52
Views: 3503

Re: Chris Hogan's Facebook Group restrictions

This thread has run its course and is locked (topic exhausted). See: Locked Topics Moderators or site admins may lock a topic (set it so no more replies may be added) when a violation of posting policy has occurred. Occasionally, even if there are no overt violations of posting policy, a topic (or ...
by Misenplace
Sat Sep 19, 2020 12:21 pm
Forum: Personal Consumer Issues
Topic: bought upright Steinway "festival piano" sight unseen
Replies: 13
Views: 1483

Re: bought upright Steinway "festival piano" sight unseen

I wouldn't commit until playing it. You have no idea what it sounds like, or whether it has been exposed to extreme conditions. Last time I was at Tanglewood, it was pouring rain. Also, read the Piano Book by Larry Fine. It has a guide for how to buy a piano, and describes the typical scams. He is v...
by Misenplace
Fri Sep 18, 2020 11:57 am
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 172
Views: 13736

Re: Is this guy trying to scam me on a car I'm selling?

This thread has run its course and is locked (topic exhausted). See: Locked Topics Moderators or site admins may lock a topic (set it so no more replies may be added) when a violation of posting policy has occurred. Occasionally, even if there are no overt violations of posting policy, a topic (or ...
by Misenplace
Mon Sep 14, 2020 10:31 am
Forum: Personal Consumer Issues
Topic: Best 4-6 person tent
Replies: 32
Views: 6850

Re: Best 4-6 person tent

This thread is now in the Personal Consumer Issues forum.

Moderator Misenplace
by Misenplace
Sun Sep 13, 2020 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts a will to protect generational wealth?
Replies: 42
Views: 2430

Re: Thoughts a will to protect generational wealth?

This thread has run it's course and is locked (not actionable Edit to add - and not personable to the OP). Some current issues with OP's proposal have been explored, but since OP is not in any position to set up a $50 M multi-generational trust (well, maybe in 60 years), the topic is exhausted. Mod...
by Misenplace
Sun Sep 13, 2020 12:36 pm
Forum: Personal Consumer Issues
Topic: Limited Purpose FSA: What to Buy with Excess Funds?
Replies: 17
Views: 908

Re: Limited Purpose FSA: What to Buy with Excess Funds?

A post suggesting fraudulent behavior has been removed. Suggesting or encouraging illegal acts is not acceptable on the forum. See Serious Violations Certain violations, in particular posting or linking to spam, threatening, abusive, illegal, or obscene material, will result in removal of the messa...
by Misenplace
Sun Sep 13, 2020 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: To architect or not to architect?
Replies: 21
Views: 2099

Re: To architect or not to architect?

We planned and built our home with an architect, and after that experience, would not do it any other way. A good architect knows how people move and feel in a space, and knows how to design it to make it livable. There are so many little things about our house that he specified, that did not cost m...
by Misenplace
Fri Sep 11, 2020 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Difficulty obtaining bitcoins
Replies: 17
Views: 2319

Re: Difficulty obtaining bitcoins

An off topic post on whether or not to invest in bitcoin, and several replies to it have been removed. Please stay on topic, which is how to recover bitcoin.
by Misenplace
Fri Sep 11, 2020 11:00 am
Forum: Personal Finance (Not Investing)
Topic: How to stop judging how other people spend/invest
Replies: 76
Views: 4793

Re: How to stop judging how other people spend/invest

This thread has run it's course and is locked (relationship issue, not a question about Personal Finance).
by Misenplace
Thu Sep 10, 2020 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: How to interview a buyer's agent?
Replies: 22
Views: 1201

Re: How to interview a buyer's agent?

The best buyer agent I ever used could name the asking and actual sold price of any house in the neighborhood off the top of her head. She was also charming so that helped when she negotiated for us. We used her as our sellers agent when we sold that house. I don't recall ever signing a buyers contr...
by Misenplace
Tue Sep 08, 2020 12:23 pm
Forum: Personal Investments
Topic: Leaving EJ for Vanguard, looking for advice on asset allocation [Portfolio Review]
Replies: 23
Views: 1667

Re: Leaving EJ for Vanguard, looking for advice on asset allocation [Portfolio Review]

Regarding her expensive UBS managed 401(k) plan, can she do in-service roll overs to an IRA? One problem with doing that is it would drastically complicate backdoor Roth contributions. Another option is if she moonlights as an independent contractor, sets up a solo 401(k) with the 1099-MISC income, ...
by Misenplace
Sun Sep 06, 2020 12:04 pm
Forum: US Chapters
Topic: Master Thread for Metro Boston's Chapter
Replies: 447
Views: 147339

Re: Master Thread for Metro Boston's Chapter

Welcome to the forum xkcd4711. Now that your first post is approved, you will be able to post and PM.
by Misenplace
Mon Aug 31, 2020 7:29 pm
Forum: Personal Investments
Topic: Beginner with windfall needs advice
Replies: 11
Views: 855

Re: Beginner with windfall needs advice

You can do it yourself. However, if you have it split between cash and your 401K, and are looking to start investing, I wouldn't do an all-in-one fund because it's usually better to have your bond allocation in your 401k or IRA. Please see the wiki article Tax-efficient fund placement
by Misenplace
Fri Aug 28, 2020 2:06 pm
Forum: Personal Consumer Issues
Topic: Going back to the office
Replies: 20
Views: 912

Re: Going back to the office

This thread has run its course and is locked (topic exhausted, primarily medical and family concerns). See: Locked Topics Moderators or site admins may lock a topic (set it so no more replies may be added) when a violation of posting policy has occurred. Occasionally, even if there are no overt vio...
by Misenplace
Thu Aug 27, 2020 11:12 am
Forum: Personal Finance (Not Investing)
Topic: paying taxes on backdoor roth... good idea?
Replies: 19
Views: 1058

Re: paying taxes on backdoor roth... good idea?

This thread has been moved to the Personal Finance (not investing) forum.

Mod Misenplace
by Misenplace
Mon Aug 24, 2020 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Want to write a will, having trouble finding an attorney
Replies: 45
Views: 2886

Re: Want to write a will, having trouble finding an attorney

This topic is locked as exhausted. OP has received a variety of useful suggestions, and further discussion appears not productive.
by Misenplace
Mon Aug 17, 2020 2:05 pm
Forum: Personal Investments
Topic: Tales of Wells Fargo
Replies: 6
Views: 700

Re: Tales of Wells Fargo

This thread has run its course and is locked (rant). General comment threads are off topic in the forums with "Personal" in the title. See: A reminder that non-investing general comment threads are OT
by Misenplace
Mon Aug 17, 2020 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance products bought by Insurance sellers
Replies: 33
Views: 1620

Re: Insurance products bought by Insurance sellers

This topic is now in the Personal Finance (Not Investing) forum (insurance products).
by Misenplace
Mon Aug 17, 2020 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: College costs for 4 kids -- is my plan unrealistic?
Replies: 31
Views: 2813

Re: College costs for 4 kids -- is my plan unrealistic?

This topic is now in the Personal Finance (Not Investing) forum.
by Misenplace
Sun Aug 16, 2020 1:21 pm
Forum: Personal Consumer Issues
Topic: Cleaners for washing machine, dishwasher, disposal, etc.
Replies: 31
Views: 1781

Re: Cleaners for washing machine, dishwasher, disposal, etc.

White vinegar is a wonder cleaner. Great for cleaning grime around stove and hood. Use a highly diluted solution for real wood floors. Even run it diluted through the coffee machine. Also good for cleaning a dishwasher.

How to Clean a Dishwasher with Vinegar
by Misenplace
Sun Aug 16, 2020 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Employee Over Paid by Six Digits
Replies: 36
Views: 4061

Re: Employee Over Paid by Six Digits

This topic is locked. Forum policy requires that questions about one's finances or investments must be personal, not on behalf of a business.
by Misenplace
Sat Aug 15, 2020 2:13 pm
Forum: Investing - Theory, News & General
Topic: Buffet buys gold miner
Replies: 41
Views: 4116

Re: Warren Buffet buys Gold

https://www.kitco.com/news/2020-08-14/Warren-Buffett-buys-gold.html We already know that Bogle began to invest in gold towards the end of his life. Now long time gold skeptic Buffet and proponent of passive investing buys gold. It seems that the two major guys that Bogleheads referenced have evolve...
by Misenplace
Thu Aug 13, 2020 5:47 pm
Forum: Non-US Investing
Topic: Trading with IB
Replies: 4
Views: 621

Re: Trading with IB

This thread is now in the Non-US Investing forum.
by Misenplace
Thu Aug 13, 2020 3:00 pm
Forum: Personal Consumer Issues
Topic: Products that last forever
Replies: 238
Views: 15596

Re: Products that last forever

My Mauviel M'250 set of pots and pans. Purchased about 20 years ago. They don't look as good anymore (I'm not so good about keeping the copper polished), but they make me a better cook.
by Misenplace
Sun Aug 09, 2020 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refinance Question
Replies: 2
Views: 383

Re: Mortgage Refinance Question

This thread is now in the Personal Finance (Not Investing) forum.

Moderator Misenplace
by Misenplace
Thu Aug 06, 2020 11:53 am
Forum: Personal Consumer Issues
Topic: My gym is reopening - are you going back to yours?
Replies: 42
Views: 1844

Re: My gym is reopening - are you going back to yours?

This thread has run its course (topic exhausted) and is locked.

Moderator Misenplace
by Misenplace
Sun Aug 02, 2020 4:42 pm
Forum: Personal Consumer Issues
Topic: Financially independent, now what?
Replies: 9
Views: 1180

Re: Financially independent, now what?

This thread has run its course and is locked (off topic). This subforum is focused on making informed decisions about consumer goods and services (other than investing or financial). Acceptable topics include: - consumer goods and services (e.g., dress shirts, laptops, software) - home maintenance ...
by Misenplace
Sun Aug 02, 2020 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: 600 weekly unemployment and kiddie tax
Replies: 8
Views: 1190

Re: 600 weekly unemployment and kiddie tax

Second, if they qualify as your dependents (you provide more than half of their support), then they don't get to claim the AOTC. Only you can claim it, and if your income phases you out, you are out of luck. This is wrong as well, unfortunately. Dependent can claim AOTC (if parent does not claim th...
by Misenplace
Sat Aug 01, 2020 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: 600 weekly unemployment and kiddie tax
Replies: 8
Views: 1190

Re: 600 weekly unemployment and kiddie tax

jj wrote: Sat Aug 01, 2020 3:26 pm This was reversed at the end of 2019 for tax year 2020 onward. Taxpayers can choose to follow the old or the new rules for 2018 and 2019.

https://www.journalofaccountancy.com/is ... tored.html
Thanks, good to know.
by Misenplace
Sat Aug 01, 2020 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: 600 weekly unemployment and kiddie tax
Replies: 8
Views: 1190

Re: 600 weekly unemployment and kiddie tax

You have a bunch of moving parts going on here. First, the kiddie tax is no longer based upon your income, but on trust rates. Here is a good thread on the topic Tax gain harvesting UTMA accounts? . SpiritRider gives good guidance there. Second, if they qualify as your dependents (you provide more t...
by Misenplace
Fri Jul 31, 2020 10:40 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5805
Views: 1383641

Re: What Movie Have You Recently Watched?

A Most Beautiful Thing. Right now it is streaming free on Xfinity. It's about the first all Black high school rowing team in Chicago. It's not happily ever after, more real to life, yet heartwarming, and a timely, thought-provoking documentary.

https://www.amostbeautifulthing.com/
by Misenplace
Fri Jul 31, 2020 10:47 am
Forum: Investing - Theory, News & General
Topic: Great Depression 2.0
Replies: 21
Views: 1777

Re: Great Depression 2.0

This thread has run its course and is locked. See: Non-actionable (Trolling) Topics If readers can't do anything with the content of a topic other than argue about it, it does not belong here. Examples include: US or world economic, political, tax, health care and climate policies conspiracy theori...
by Misenplace
Wed Jul 29, 2020 12:16 pm
Forum: Personal Investments
Topic: Poor service at Vanguard making me re-think my decision
Replies: 96
Views: 8165

Re: Poor service at Vanguard making me re-think my decision

Fidelity, Merrill Edge, and Schwab are repeatedly mentioned around here. I only have experience with Fidelity- their platform is OK. Not a fan of their funds, even their low/no cost funds. Recommend negotiating free trades so you can access VG ETFs. Here is a thread that might be useful The Final, D...
by Misenplace
Sun Jul 26, 2020 3:10 pm
Forum: Investing - Theory, News & General
Topic: China and Stocks
Replies: 34
Views: 1976

Re: China and Stocks

A political post questioning the accuracy of governmental reporting of COVID numbers has been removed. Please stay off politics, hard as that may be in this context.

Mod Misenplace
by Misenplace
Sat Jul 25, 2020 3:23 pm
Forum: Personal Consumer Issues
Topic: Braces-really necessary?
Replies: 6
Views: 666

Re: Braces-really necessary?

This thread is locked because it is off-topic for the forum. See https://www.bogleheads.org/forum/rules#rule-4c Medical Issues Questions on medical issues are beyond the scope of the forum. If you are looking for medical information online, I suggest you start with the Medical Library Association's...
by Misenplace
Sat Jul 25, 2020 1:45 pm
Forum: Investing - Theory, News & General
Topic: Financial Times article on Jim Chanos, renowned short: "We are in the golden age of fraud"
Replies: 27
Views: 1918

Re: Financial Times article on Jim Chanos, renowned short: "We are in the golden age of fraud"

This thread has run its course and is locked (stupidity of other people). If you can't do anything with a topic other than argue about it, it does not belong here.

Moderator Misenplace
by Misenplace
Sat Jul 25, 2020 11:41 am
Forum: Non-US Investing
Topic: Couple of Question for Bogleheads who are out of the US [Thailand]
Replies: 10
Views: 941

Re: Couple of Question for Bogleheads who are out of the US

This thread is now in the Non-US Investing forum.

midareff, hopefully you can get some additional first hand reports this way. Edited your title to flag Thailand.

Moderator Misenplace
by Misenplace
Fri Jul 24, 2020 2:48 pm
Forum: Personal Investments
Topic: Help me manage my 85-year old MIL's money
Replies: 12
Views: 2107

Re: Help me manage my 85-year old MIL's money

It doesn't look like there is much you can do to mitigate taxes, beyond what you have already done. All her income seems to be mandatory. Even if she lived in a state that provided a bump up in basis of capital assets when one spouse dies, it's been 5 years so that ship has passed. She is in enviabl...
by Misenplace
Wed Jul 22, 2020 12:48 pm
Forum: Personal Investments
Topic: Questions about rebalancing and taxable events
Replies: 8
Views: 601

Re: Questions about rebalancing and taxable events

Easy peasy. This isn't bad at all (we've seen far worse), and you kind of know what you need to do. Here is my suggestion. Put 15% total International VTIAX in your brokerage account. Dump everything you have marked with ****. Put rest of brokerage in VTSAX Total US. Put the 20% bond allocation into...
by Misenplace
Wed Jul 22, 2020 11:42 am
Forum: Investing - Theory, News & General
Topic: Article claiming 401k no longer "makes sense"
Replies: 74
Views: 7959

Re: Article claiming 401k no longer "makes sense"

The threads on this same article have been merged.

Mod Misenplace
by Misenplace
Wed Jul 22, 2020 11:20 am
Forum: Investing - Theory, News & General
Topic: Historically what has happened with capital gains tax changes?
Replies: 14
Views: 1495

Re: Historically what has happened with capital gains tax changes?

This thread has run its course and is locked. The historical question has been answered, and several political posts had to be removed. Discussions about proposed legislation (and what will happen to implement the changes) is off-topic to "keep investors from making bad decisions." Proposed laws ma...
by Misenplace
Tue Jul 21, 2020 7:02 pm
Forum: Personal Investments
Topic: Generating income for school fees
Replies: 14
Views: 1287

Re: Generating income for school fees

Yes, I was referring to the $10k k-12 limit. Thanks for suggestion of a wealth advisor. The person I talk to at Fidelity doesn't seem super sharp, but I don't pay any management/advisory fee. My friend has many millions and pays 1% management fee to Morgan Stanley, but they seem very intelligent an...
by Misenplace
Tue Jul 21, 2020 3:35 pm
Forum: Investing - Theory, News & General
Topic: Peter Schiff - a perspective
Replies: 21
Views: 1530

Re: Peter Schiff - a perspective

This thread has run it's course and is locked. The topic has become exhausted.
by Misenplace
Tue Jul 21, 2020 12:41 pm
Forum: Investing - Theory, News & General
Topic: Peter Schiff - a perspective
Replies: 21
Views: 1530

Re: Peter Schiff - a perspective

This thread is now in the Investing - Theory, News & General forum [general (i.e. non-personal) investing questions and issues, investing news, and theory].
by Misenplace
Tue Jul 21, 2020 2:53 am
Forum: Personal Investments
Topic: Questions about rebalancing and taxable events
Replies: 8
Views: 601

Re: Questiions about rebalancing and taxable events

Hi bpinkc, welcome to the forum! Your asset allocation seems to be appropriate for someone in your situation. Regarding your questions: 1) There is no taxable event within your IRA and Roth by selling funds and buying something different. You only pay tax on those monies (in the rollover IRA or trad...
by Misenplace
Mon Jul 20, 2020 3:06 pm
Forum: Personal Investments
Topic: Investing for 4 Year Old Daughter
Replies: 5
Views: 590

Re: Investing for 4 Year Old Daughter

Blanquito, welcome to the forum. If you would like us to give input on your portfolio, would you mind putting it into the preferred format, outlined here? Asking Portfolio Questions You will get much better input since few of us memorize ticker symbols and many of us (me, for example) are too lazy t...