Search found 173 matches

by Misenplace
Fri Aug 17, 2018 1:31 am
Forum: Personal Consumer Issues
Topic: What to do in Seattle around Christmas?
Replies: 29
Views: 1228

Re: What to do in Seattle around Christmas?

The Georgian Room at the Fairmont Olympic puts on a holiday Teddy Bear tea- great for a 3+ year old. There is also a merry go round during the holiday season set up near Pacific Place/Macy’s/Nordstrom. Look for outdoor opportunities- tide pooling, boat rides, nature walks. So the idea of renting a p...
by Misenplace
Thu Aug 09, 2018 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Old dog needs to learn to manage his investments
Replies: 60
Views: 5101

Re: Old dog needs to learn to manage his investments

PKcrafter is right, you are being fleeced. The problem is, you are not the only one. I see this all the time doing taxes for the elderly as an AARP volunteer. Invariably, the client says "he must be fine, he sends me a Christmas card every year with a picture of his family and a holiday letter." By ...
by Misenplace
Sun Jul 29, 2018 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: Investment accounts for teens to control
Replies: 25
Views: 1279

Re: Investment accounts for teens to control

You can have an account for them at Vanguard in which they give you access and trading authority, but they do not have any view of your accounts. It all depends upon the permissions that are set. If one of your children is being paid in cash, they should claim that money on a tax return. Then you ge...
by Misenplace
Fri Jul 27, 2018 3:26 am
Forum: Investing - Help with Personal Investments
Topic: Investment accounts for teens to control
Replies: 25
Views: 1279

Re: Investment accounts for teens to control

Sorry that was unclear. Obviously gifting low basis stock only works if the gains are tax sheltered, which is why I am asking about whether there are any tax advantages to using an UTMA account. If not, we will fund with cash. Yes, there is some tax sheltering in a UTMA account. I referenced that i...
by Misenplace
Thu Jul 26, 2018 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Investment accounts for teens to control
Replies: 25
Views: 1279

Re: Investment accounts for teens to control

Yes, it will be taxed anyway, but you lose the opportunity to use your capital losses to offset gains. Not a concern - I'd either fund with cash or low basis stock. edited to underline a point I address below Also, their taxes are more complex to prepare (at least in the past). Believe me I know on...
by Misenplace
Thu Jul 26, 2018 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Investment accounts for teens to control
Replies: 25
Views: 1279

Re: Investment accounts for teens to control

The earnings are going to be taxed either way - the kiddie tax isn't in addition to the tax it would have under our ownership. Yes, it will be taxed anyway, but you lose the opportunity to use your capital losses to offset gains. Also, their taxes are more complex to prepare (at least in the past)....
by Misenplace
Thu Jul 26, 2018 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Investment accounts for teens to control
Replies: 25
Views: 1279

Re: Investment accounts for teens to control

The other downside is that the earnings are subject to the kiddie tax.
https://www.bogleheads.org/wiki/Kiddie_tax
by Misenplace
Wed Jul 25, 2018 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Closing Wealthfront and Betterment accounts: Guidance requested
Replies: 32
Views: 2502

Re: Closing Wealthfront and Betterment accounts: Guidance requested

What is the problem with the TLH on these robo-advisor accounts? Hi AlphaPilot, the problem is when you use two roboadvisers like Wealthpoint and Betterment, the right hand doesn't know what the left hand is doing, so you can end up with the TLH being disallowed because of wash sales. https://www.b...
by Misenplace
Fri Jul 13, 2018 1:09 am
Forum: Investing - Help with Personal Investments
Topic: Need Advice with Lively HSA Investment Options - TDA
Replies: 8
Views: 1506

Re: Need Advice with Lively HSA Investment Options - TDA

Good to see your suggestion. "My suggestion is, first, don't be a Vanguard snob, and secondly, use the following commission free ETFs from SPDR: SPTM - US Market Index fund SPDW - Developed ex-US Market Index fund SPEM - Emerging Markets Index fund" What is the desired asset allocation/weight of ab...
by Misenplace
Sat Jun 30, 2018 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with portfolio, template included
Replies: 5
Views: 601

Re: Need help with portfolio, template included

Duckie’s suggestions are spot on, and exactly what I would do in your situation. It will be easy to manage- all you have to do is once a year check the percentages in your 401(k) and rebalance.

Good job on saving, making the 401k match, and pulling this information together.
by Misenplace
Sat Jun 30, 2018 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Good Idea to sell these stocks at $0 Cap Gain?
Replies: 9
Views: 951

Re: Good Idea to sell these stocks at $0 Cap Gain?

Scottrade (Roth)--Will eventually transfer this to Vanguard Roth: Symbol------Name------------Shares-----Price-----Purchase value-------Gain------------Value MSFT----Microsoft Corp-----52.000----$98.61------$1,487.96--------$3,639.76-------$5,127.72 If this stock is held in a Roth, there is no reas...
by Misenplace
Thu Jun 28, 2018 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Umbrella Policy: Right amount for $7 mil net worth?
Replies: 54
Views: 6834

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

Sure but should a person with 750k(an amount they really dont want to lose) have a 750k policey(say 75% of cases) or 5 million(say 99.9% of cases)? Now those percentages are made up but you can see why as soon as you hit the point where you dont want to lose your money, you need about the same leve...
by Misenplace
Mon Jun 25, 2018 12:24 am
Forum: Personal Finance (Not Investing)
Topic: help me figure out the best retirement account type for my situation (i401k, 403b, etc.)
Replies: 4
Views: 444

Re: help me figure out the best retirement account type for my situation (i401k, 403b, etc.)

You say your husband may not be continuing his business for much longer. If your husband wraps up his business, my understanding is that he would have to close his business 401k and each participant would need to roll their account into another 401k or IRA. Here is a thread on WCI that discusses the...
by Misenplace
Sun Jun 24, 2018 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Compliments for Vanguard?
Replies: 40
Views: 3188

Re: Compliments for Vanguard?

Thank you Celia for starting this thread. We have had a Vanguard mutual fund since 2001, but we finally wised up and dumped our other mutual funds in 2011 and consolidated a lot of our accounts at Vanguard. They held our hand and made the transfer painless. We are flagship clients, and could not be ...
by Misenplace
Sun Jun 24, 2018 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay college tuition from a 529?
Replies: 56
Views: 5301

Re: How to pay college tuition from a 529?

The University our one and only attends does not take credit cards, or I would have put the tuition on my 2% cash back Fidelity card. So instead I have Vanguard 529 admins cut a check directly to the university, and include student ID no. on the memo. Tax forms all come out on student’s SS#, so tax ...
by Misenplace
Sun Jun 24, 2018 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Please critique my portfolio
Replies: 8
Views: 681

Re: Please critique my portfolio

Daphne, You are doing great, the important thing is to keep saving for your retirement. You seem like a great auntie, but until you have paid off your mortgage and ensured that you have at least 25x expenses saved, I urge you to not even think about putting money in a 529 for your niece/nephew. As t...
by Misenplace
Fri Jun 15, 2018 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Need thoughts retirement plan with a possibly unfortunate wrinkle
Replies: 14
Views: 2842

Re: Need thoughts retirement plan with a possibly unfortunate wrinkle

Twist, I think maximizing your 401k contributions, and having an overall 70% equity/30% bond is a good idea. If you decide to cash out the annuity, you can invest the proceeds in a Total US Stock Index fund and a Total International Stock Index fund. Then you would keep your bond allocation in your ...
by Misenplace
Thu Jun 07, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: daughter wants a college transfer?
Replies: 65
Views: 5382

Re: daughter wants a college transfer?

She got a 3.4 doing premed her first year at Cornell? Wow. She did extremely well. Cornell has a notoriously brutal curve in the premed/engrg classes. She will most likely only do better as she advances, and the classes will get smaller and more intimate, especially her jr and sr year. If she wants ...
by Misenplace
Thu Jun 07, 2018 1:28 am
Forum: Investing - Help with Personal Investments
Topic: Need thoughts retirement plan with a possibly unfortunate wrinkle
Replies: 14
Views: 2842

Re: Need thoughts retirement plan with a possibly unfortunate wrinkle

Hey twist, Don’t rush into anything yet. Your investments are all in a good place, you are saving for the future, and you are on your way. Next Task is to make a good decision on the annuity. So let’s get the bottom line on it. Get that in force illustration first, and let the kind strangers here ta...
by Misenplace
Wed Jun 06, 2018 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Need thoughts retirement plan with a possibly unfortunate wrinkle
Replies: 14
Views: 2842

Re: Need thoughts retirement plan with a possibly unfortunate wrinkle

Welcome to the forum Twist! Nice first post. I've inserted some comments into your post in italics, and also had a few other suggestions below. So here's where I'm at (numbers rounded): Current 401K: Fidelity, $133,000 93% FUSVX FID 500 INDEX PR (.04% Expense) 7% MWTIX (Bonds) Contributing 5%, Compa...
by Misenplace
Mon Jun 04, 2018 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 276
Views: 14363

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

OP, You have an MD and a MBA, and you are looking to get to the back of the line behind folks about 40 years your junior. You will definitely get into a top tier law school, because I have no doubt that you will ace the LSATs, and you have sterling credentials. Any law school would be thrilled to ad...
by Misenplace
Sat Jun 02, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: June in Paris: What to (or not to) wear, see and do?
Replies: 53
Views: 3052

Re: June in Paris: What to (or not to) wear, see and do?

Someone on our travels recommended that we dine at the RESTAURANT GEORGES at the top of the Centre Pompidou. So the next time we were in Paris we did. Highly recommend it. The decor of the restaurant (indeed, the whole building) is a funky ‘Austin Powers ‘ type of place. So that alone was fun. But t...
by Misenplace
Fri Jun 01, 2018 9:32 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: 18285

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

For me, this was the most interesting response to OP. I say this as a full-pay parent of a highly-qualified student at a top-tier Liberal Arts College in the NE. I guess I'll be that guy . :) Do they really need to go to college? Many jobs of the future, including the "hottest" in-demand jobs right ...
by Misenplace
Tue May 22, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Buying a Woman's Tag Heuer On-line
Replies: 41
Views: 2539

Re: Buying a Woman's Tag Heuer On-line

You're going about this wrong. I purchased an Omega Speedmaster in-person from a reputable watch shop. I showed up with a pile of $100 bills, spread the money on the counter and said I was serious about buying today if they would give me a 40% discount. I think we settled on a 32% discount. Came wi...
by Misenplace
Thu May 03, 2018 12:00 am
Forum: Investing - Help with Personal Investments
Topic: How do you know when you have "won the game"?
Replies: 142
Views: 16166

Re: How do you know when you have "won the game"?

You are doing great. You have won the game. But it sounds as if you want/need to work longer to support the lifestyle you have become accustomed to living. I guess I would not include the cars in net worth. They are rapidly depreciating assets. Also, if you have that size house in a LCOL area (just ...
by Misenplace
Tue May 01, 2018 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: At what point should you hire a financial advisor?
Replies: 25
Views: 2551

Re: At what point should you hire a financial advisor?

Hi all, LP Investments - $500,000 This. Do a search on this forum about LP Investments. I have also observed first hand (doing taxes for the elderly) the inappropriate investments they sell their customers. I agree with the advice above regarding estate and tax planning, also remember liability ins...
by Misenplace
Sat Apr 28, 2018 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 11287

Re: Cashing out of the Bay Area

There's zero chance that I would want to move back. I don't like the Bay Area anymore and doubt that I would even visit after I leave. I'm only here for work. *** No, I'm not interested in being a landlord, and would rather have far less of my net worth tied up in real estate. I'm absolutely certai...
by Misenplace
Fri Apr 27, 2018 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Using Vanguard’s advisors
Replies: 72
Views: 8855

Re: Using Vanguard’s advisors

Vanguard PAS definitely takes into account tax considerations. I participated in a free portfolio review earlier this year. When first I spoke to the assigned advisor, I got the impression that he had not looked closely at our portfolio and was winging it. That was fine with me, I was just going thr...
by Misenplace
Thu Apr 26, 2018 12:13 am
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 10180

Re: How did you tell the boss you're leaving/retiring?

When I gave my retirement notice about 3 years ago, I was prepared to be walked out the door. I think it is the wisest strategy. You are an at will employee, just as they are an at will employee. I gave my notice in late May, telling them I would be willing to work until the end of August if they wa...
by Misenplace
Sat Apr 21, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Europe- Zurich<->Paris- 10 days
Replies: 34
Views: 2470

Re: Europe- Zurich<->Paris- 10 days

A couple of years ago I rented a 2 bedroom apartment from Paris Vacation Apartments (commonly known as PVA on various travel boards). I would use them again.

http://parisvacationapartments.com
by Misenplace
Sun Apr 15, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Spain in May end
Replies: 32
Views: 2059

Re: Spain in May end

Another vote here for the Basque country. Bilboa is an incredibly easy airport with connections to Amsterdam. Renting a car is simple there- the major rental companies are a short walk from your gate (no shuttle needed!). I think I liked the city of Bilbao better than the more beautiful San Sebastia...
by Misenplace
Tue Feb 06, 2018 3:31 am
Forum: Investing - Theory, News & General
Topic: Merrill Lynch site crashed today (VG fine)
Replies: 20
Views: 1597

Re: Merrill Lynch site crashed today (VG fine)

Triceratops,
I have obviously hit a nerve here, and I am not sure why. Please take a look at my posts because I don’t think I said what you are saying that I said.
Bonne nuit,
Misenplace
by Misenplace
Tue Feb 06, 2018 2:55 am
Forum: Investing - Theory, News & General
Topic: Merrill Lynch site crashed today (VG fine)
Replies: 20
Views: 1597

Re: Merrill Lynch site crashed today (VG fine)

Just wanted to give equal time here, because everyone seems to jump on VG when there is an issue. However, they are overall better than every other alternative out there. Agree to disagree, because this has most definitely not been my experience and your assertion is unproven (and I would argue, is...
by Misenplace
Tue Feb 06, 2018 1:50 am
Forum: Investing - Theory, News & General
Topic: Merrill Lynch site crashed today (VG fine)
Replies: 20
Views: 1597

Merrill Lynch site crashed today (VG fine)

Just wanted to post my own experience here. Had no problems doing a few rebalancing orders on Vanguard today about an hour before market close. But when I went to the Merrill Lynch site to finish my rebalancing activities, I could not get on until after the close of market (too late). Just wanted to...
by Misenplace
Mon Jan 08, 2018 1:53 am
Forum: Local Chapters and Bogleheads Community
Topic: DD just got married !
Replies: 39
Views: 4526

Re: DD just got married !

Congratulations Woodspinner! What a wonderful story. I can’t think of a better and healthier way to start a marriage, surrounded by in-laws who care and wish for their offspring only the best.
Misenplace
by Misenplace
Wed Dec 27, 2017 11:25 pm
Forum: Investing - Theory, News & General
Topic: Donor Advised Funds - Watch the fees
Replies: 7
Views: 926

Re: Donor Advised Funds - Watch the fees

Can you really "move" your DAF from VG to Fido? I thought that once you put it in the DAF, the money was not yours anymore- you donated it to the charitable DAF. All you can do is request that they make a bequest to the charity of your choice. If you request that they make a bequest to the Fido char...
by Misenplace
Sun Dec 24, 2017 1:49 am
Forum: Personal Finance (Not Investing)
Topic: Will you donate less to Charity?
Replies: 109
Views: 8624

Re: Will you donate less to Charity?

What is a DAF? When does it make sense to use one? A DAF is short hand for a donor advised fund. You can look these up in the WIKI and on the Vanguard and Fidelity websites. I think Ron Lieberman also had an article in the last day or 2 on The NY Times regarding how now was the time to do one. Esse...
by Misenplace
Sun Dec 24, 2017 1:34 am
Forum: Personal Finance (Not Investing)
Topic: Will you donate less to Charity?
Replies: 109
Views: 8624

Re: Will you donate less to Charity?

I convinced my spouse to load up our DAF since it doesn’t look like we will be itemizing under the new tax plan. We will put about 5-7 years of donations into it.

It does look bad for charities under this plan, given ‘human nature’.
by Misenplace
Thu Dec 14, 2017 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 628
Views: 70831

Re: Picking College and College Scholarships

Congrats to your son- he has already 3 great schools in the bag. It sounds as if he would be happy at any of these, so no matter what happens with his lottery schools, he is set.
by Misenplace
Mon Dec 11, 2017 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: Making Best Use of Being in 15% Income Tax Bracket This Year
Replies: 22
Views: 3318

Re: Making Best Use of Being in 15% Income Tax Bracket This Year

Keep in mind, you may be able to roll your IRA into your 401k when you start your new job, and eliminate the problem posed by the pro rata rule for future ROTH back door contributions.

Sounds like you have a good handle on options for using up your 15% bracket space.
by Misenplace
Mon Dec 04, 2017 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Status Money website - good or bad?
Replies: 5
Views: 1202

Re: Status Money website - good or bad?

These polls are just collecting data on you. Data they can sell to the highest bidder who wants to learn how to better manipulate you in the future with respect to marketing, consumption, voting patterns, elections, etc. Do some research on psychographics and Big Data. You will see. Why would any bo...
by Misenplace
Sun Dec 03, 2017 12:16 am
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 158
Views: 23613

Re: Best Financial Moves You've Made

Choosing the right spouse. Hands down. When I reflect on the near misses, those whom I knew in my gut were not right, I’m glad I trusted my gut. I married the spouse who put us, our partnership, as a priority, and when the inevitable rocky times hit, we worked it out together. I feel blessed to have...
by Misenplace
Wed Nov 29, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: A good friend has nearly $1M in BitCoin what do I tell him?
Replies: 149
Views: 18461

Re: A good friend has nearly $1M in BitCoin what do I tell him?

him. Either way, he'll have a heck of a story to tell. Not this. Tell your friend to tell no one about have a fortune in Bitcoin. At least not until he diversifies and sells it. Something about this currency attracts criminal elements. I have heard anecdotally about early Bitcoin millionaires going...
by Misenplace
Tue Oct 31, 2017 9:34 am
Forum: Forum Issues and Administration
Topic: How to "follow" a thread of BH
Replies: 20
Views: 3318

Re: How do you follow your posts on BH?

Or click on the Quick links drop down menu at the top left to see “Your posts “.
by Misenplace
Tue Oct 24, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Attempted theft of bank funds via identity theft
Replies: 19
Views: 3097

Re: Attempted theft of bank funds via identity theft

It is ridiculously easy to obtain a fake driver's license with the perpetrator's photo and your name. The bank may be able to get a visual of the perpetrator from security footage if he/she opened the account in person.
by Misenplace
Thu Oct 12, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 9207

Re: Which Streaming Service/Live TV?

Thanks for the information everyone who chimed in. Also, that article Copper John mentioned is very helpful.
by Misenplace
Wed Oct 11, 2017 11:30 pm
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 9207

Re: Which Streaming Service/Live TV?

YouTube tv sounds intriguing. Is it HD? Does it include BBC, PBS, ESPN? Those are pretty much all we watch besides Netflix. I would highly recommend YouTube TV if it's available in your market and the channel lineup meets your needs. In most if not all markets where it's available it includes the 4 ...
by Misenplace
Sun Oct 08, 2017 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Paternity/Maternity Leave & Its Influence on Career Trajectory
Replies: 23
Views: 2234

Re: Paternity/Maternity Leave & Its Influence on Career Trajectory

You owe it to yourself, your family, your team, and your company to take every day of paternity leave. The reasons for yourself and your family are self evident. The reason for your team is to set a good example and since you have set them up to perform well. The reason for your company is to let th...
by Misenplace
Mon Oct 02, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Bed Pillows
Replies: 15
Views: 2339

Re: Bed Pillows

Any pillow with memory foam will compress. The coop pillow contains shredded memory foam. (I wonder where is is sourced and why it is shredded?) Pillows made out of latex foam are far more resilient than any petrochemical-derived foam such as memory foam. In my experience, memory foam compresses wit...