Search found 77 matches

by bi0hazard
Mon Sep 24, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: $450 for 1.5 hour plumbing job normal?
Replies: 30
Views: 3445

Re: $450 for 1.5 hour plumbing job normal?

Youtube how to do it yourself. This is what I do for most jobs around the house. You will not only save money, but will also know how to fix it next time and feel good about your new skill.
by bi0hazard
Wed Jul 25, 2018 6:37 pm
Forum: Investing - Theory, News & General
Topic: Crowdfunding real estate TAXES
Replies: 4
Views: 990

Re: Crowdfunding real estate TAXES

Thanks for the response WCI!

What is composite return?

Is it a hassle (worth the trouble) to file out of state k1 in your experience?

Do you have experience with a private REIT through these platforms that owns multi-state properties?


b=-
by bi0hazard
Wed Jul 25, 2018 1:54 pm
Forum: Investing - Theory, News & General
Topic: Crowdfunding real estate TAXES
Replies: 4
Views: 990

Crowdfunding real estate TAXES

All,

I'm thinking about commercial real estate investment through Realty Shares or Mogul. Can someone please share experience with out-of state taxes for individual and/or private reit investments? I use turbo tax.

Thank you.
B=-
by bi0hazard
Sat Jul 14, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: How much does your accountant cost?
Replies: 21
Views: 2250

Re: How much does your accountant cost?

I paid 700$ yearly for CPA (or more likely his secretary) to fill out turbo tax forms. And every year I was wondering why my CPA charges that ridiculous amount, until I realized it's to pay for their beautiful office. This year I started filling out TT fields myself. Because it's easy. I purchased t...
by bi0hazard
Mon Jun 04, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: Driving through Venice - Stay in Venice or Mestre??
Replies: 9
Views: 1001

Driving through Venice - Stay in Venice or Mestre??

Will be -driving- through, so I need a parking spot. We will stay 2 nights. -------- CHOICE #1: Stay in Mestre. Park car at a house/apt/hotel. Take the bus to Venice. Less hassle, but not as cool as staying IN Venice CHOICE #2: Drive to Venice. Park @ Tronchetto. Somehow haul family and luggage usin...
by bi0hazard
Mon Jun 04, 2018 12:06 am
Forum: Personal Consumer Issues
Topic: Need to replace my Vizio TV..............
Replies: 35
Views: 2911

Re: Need to replace my Vizio TV..............

Vizio soundbar. It syncs with vizio tv. I only buy vizio. I have three now, 50, 55 and 70 inch. I have 3 vizio soudbars. In fact I bought a46 inch vizio in 2010, used it daily for 7 years, hoping it would die so I can get a larger one... It never did; I donated it in 2017 still in good shape! Just s...
by bi0hazard
Tue May 22, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: Rental cars in Europe
Replies: 33
Views: 2428

Re: Rental cars in Europe

Thanks TravelGeek. Very helpful
by bi0hazard
Tue May 22, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: Rental cars in Europe
Replies: 33
Views: 2428

Re: Rental cars in Europe

Can someone confirm whether International driver permit is really needed. Going to a bunch of countries in Europe this summer, and Dollar (my rental co) said I don;t need it if I have a US license.
by bi0hazard
Sun May 13, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: New(ish) attending physicians in the Bay Area: Housing
Replies: 150
Views: 13841

Re: New(ish) attending physicians in the Bay Area: Housing

Instead of buying a little house for 2-3 million, you can move to a very nice reasonably priced area and buy a mansion for you and a mansion for the parents. Or buy a mansion for you, and use the other 1-2mil to buy a jet and fly your parents from the bay area to your reasonably priced mansion. Thes...
by bi0hazard
Sat Apr 28, 2018 7:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 551
Views: 64700

Re: Paid Off Mortgage Today

:sharebeer

Working on it myself.
by bi0hazard
Fri Apr 27, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Airbag deployed- would you buy?
Replies: 24
Views: 2018

Re: Airbag deployed- would you buy?

N O !
by bi0hazard
Sun Apr 08, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 444
Views: 54409

Re: Name something you had to have and now you regret purchasing it?

Expensive cars. But I'll buy 'em again, and surely regret. :annoyed
by bi0hazard
Fri Apr 06, 2018 2:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8615
Views: 1680503

Re: ???

oldnewinvestor wrote:
Fri Apr 06, 2018 2:52 pm
Anyone buying today? :D
yes
by bi0hazard
Tue Mar 27, 2018 4:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8615
Views: 1680503

Re: U.S. stocks in freefall

RetireBy55 wrote:
Tue Mar 27, 2018 4:14 pm
So, what's the excuse today for the huge swings? Up nearly 200 at one point and closes down 344. That's not normal, and I'm really beginning to wonder what type of games are being played..
Exactly my thought. It's not a good feeling when the stock market behaves like bitcoin.
by bi0hazard
Mon Mar 26, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Question for physicians-- is my taking call worth it?
Replies: 61
Views: 7582

Re: Question for physicians-- is my taking call worth it?

You appear to have the same mentality as some new docs in my group. Cannot pass up an opportunity. I told my self when I started PP that I wouldn't kill myself just to make more money. I'm sticking to it 8 years in. I'm in a group with "infinite" opportunities to make more . I restrain myself and ha...
by bi0hazard
Sun Mar 18, 2018 8:05 pm
Forum: Investing - Theory, News & General
Topic: How much money can a CPA save you?
Replies: 52
Views: 6580

Re: How much money can a CPA save you?

My CPA charges have been creeping up from $200s, each year increasing until I got to $800s. This year I started using turbo tax live. Most info is downloaded and filled in from my employer, bank, vanguard, etc. That takes very little time. It took about 30 minutes to fill out w4, couple k1s, etc. I'...
by bi0hazard
Sat Feb 24, 2018 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: # X Gross = Home price?
Replies: 81
Views: 6860

Re: # X Gross = Home price?

Is there something in CA... For many people it's family or a job that isn't portable. You could argue that it you need to pay 5x your income for a "starter house" , you're getting paid very little, and your job isn't worth keeping. That, or maybe you're just a normal person living in the Bay Area ....
by bi0hazard
Sat Feb 24, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: # X Gross = Home price?
Replies: 81
Views: 6860

Re: # X Gross = Home price?

mega317 wrote:
Sat Feb 24, 2018 8:54 pm
corn18 wrote:
Sat Feb 24, 2018 8:26 pm
Is there something in CA...
For many people it's family or a job that isn't portable.
You could argue that it you need to pay 5x your income for a "starter house" , you're getting paid very little, and your job isn't worth keeping.
by bi0hazard
Sat Feb 24, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: # X Gross = Home price?
Replies: 81
Views: 6860

Re: # X Gross = Home price?

I'm doing 0.7-8 of gross income. Feels right. I don't keep up with the Joneses. I was going to submit my opinion about 3-8x gross but don't want to offend some folks. :beer
by bi0hazard
Fri Feb 23, 2018 12:09 am
Forum: Personal Finance (Not Investing)
Topic: Small Personal Loans for Mixed Martial Arts Training
Replies: 35
Views: 3260

Re: Small Personal Loans for Mixed Martial Arts Training

Op: I would strongly advise you NOT to take a loan for anything that is not absolutely necessary (like martial arts). Sorry, but that’s just not financially responsible.
by bi0hazard
Thu Feb 22, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay partners for working your call
Replies: 59
Views: 4540

Re: How to pay partners for working your call

Easy. We do this ALL the time. Salary transfer for standard/pre-determined rate (NO-negotiation needed). biOhazard, is this pre-call or post-call? Handled person to person, or does the group manage it and pay for it like we have been doing until recently? gasdoc It goes like this. Email goes out to...
by bi0hazard
Thu Feb 22, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay partners for working your call
Replies: 59
Views: 4540

Re: How to pay partners for working your call

Easy. We do this ALL the time. Salary transfer for standard/pre-determined rate (NO-negotiation needed).
by bi0hazard
Thu Feb 22, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Replacing Tires on BMW X3
Replies: 21
Views: 6063

Re: Replacing Tires on BMW X3

Just replaced all 4 tires on my Tahoe with 29k miles on them. I think 4wd is partially to blame for this premature wear, but i have little desire to research this assumption. My stock tires are 22inch, so not cheap. I always use discount tire, and I'm always happy with their service. You can look up...
by bi0hazard
Wed Feb 21, 2018 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off $372000 mortgage in 12 months
Replies: 46
Views: 8024

Re: Paying off $372000 mortgage in 12 months

What exactly is real estate syndication? It's when you own a large property with a bunch of other owners. I bought a 200+ door apartment building last night for instance. But I only own something like 1/60th of it. Cool. Thanks for the answer. Is this commonly done with friends/work partners or som...
by bi0hazard
Wed Feb 21, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Paying off $372000 mortgage in 12 months
Replies: 46
Views: 8024

Re: Paying off $372000 mortgage in 12 months

If you can find $30k/month then I don't really see the urgency in paying it off. You have enough income that you could pay it off quickly whenever you want, and knowing you could pay it off is psychologically not that far from actually paying it off. What's the rate on the mortgage? Is it fixed rat...
by bi0hazard
Tue Feb 20, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 113
Views: 14880

Re: Bogleheads with $100K+ MSRP cars?

I was wondering when we get the first completely unrelated " I drive a jalopy" post that derails these threads . :oops:
by bi0hazard
Sun Feb 18, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Seeing Yellowstone National Park
Replies: 24
Views: 2589

Re: Seeing Yellowstone National Park

We spent 4 days in the park which was enough. We stayed inside and outside (west Yellowstone, Mt) the park and both were fine. A lot of people (in the summer) but they seem to spread out ok, so it's not annoying. We flew in to salt lake which is economical, but Jackson hole is much closer (ridiculou...
by bi0hazard
Sun Feb 11, 2018 8:45 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 118
Views: 11331

Re: How does one emotionally keep it together during market swings?

Experience. It comes with time. It took me years to understand.
by bi0hazard
Sat Feb 10, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 79
Views: 5395

Re: Who has had a pool?

20k gallon pool here. Installed for kids. It's really expensive, hated paying for it, but for me a must have in Texas. Otherwise, summers here (DFW) are unbearable. I don't regret it. I doubt any homeowner association around here would allow an above ground pool, but i suppose it'll do the job if yo...
by bi0hazard
Mon Feb 05, 2018 3:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8615
Views: 1680503

Re: U.S. stocks in freefall

Watch 10 year treasure yield. If it's above 3%, I would be cautious. If it's above 3.5%, I would sell equity and get into 3.5% bond. Safety is always no 1. Vanguard predict next 10 years average return at 4.5%. 3.5% secure return or 4.5% projected return . Equity investor demand more than 1.0% prem...
by bi0hazard
Mon Feb 05, 2018 12:54 am
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 21632

Re: For BHs who actually like cars - [what car do you drive every day?]

Well I think we're back on track again -- in terms of the subject line -- but for a while this had devolved into a simple roll call of "what car do you drive?" :D Or maybe there is a really broad spectrum of what it means to "actually like cars." :D I was thinking the same exact thing. :confused
by bi0hazard
Sun Feb 04, 2018 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Best rule of thumb for determining home affordability?
Replies: 54
Views: 3569

Re: Best rule of thumb for determining home affordability?

For me, one year gross salary is just right ( I did less than that) . Simple formula. Can't believe all these ridiculous threads of 1-2 million $ houses in bay area.

b=-
by bi0hazard
Sun Feb 04, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 21632

Re: For BHs who actually like cars - what is your daily driver?

bmw m2 How do you like this as a daily? I came extremely close to getting one but ended up getting a 2017 530i instead as a daily. I thought the M2 noise may get to me over long distances and the seats weren't as comfortable. Was also afraid that I'd get frustrated sitting in LA traffic and not bei...
by bi0hazard
Mon Jan 29, 2018 2:18 am
Forum: Personal Consumer Issues
Topic: Best epoxy/glue for sticking plastic to plastic
Replies: 29
Views: 3129

Re: Best epoxy/glue for sticking plastic to plastic

Hands down best in my experience is Loctite 3X Premium Construction adhesive (home depot). It will bind anything.
by bi0hazard
Mon Jan 22, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Is Tax CPA really needed for Vanilla Investments ?
Replies: 31
Views: 2949

Re: Is Tax CPA really needed for Vanilla Investments ?

Does this software also handle backdoor ROTH conversions of of post-tax $?
by bi0hazard
Wed Jan 17, 2018 7:55 pm
Forum: Investing - Theory, News & General
Topic: Amazing how much your IPS can de-stress your life
Replies: 29
Views: 4824

Re: Amazing how much your IPS can de-stress your life

Do y'all count Emergency fund in your IPS.
by bi0hazard
Mon Jan 15, 2018 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: FTIPX vs. IXUS (international ex-US)
Replies: 11
Views: 2363

Re: FTIPX vs. IXUS (international ex-US)

Regarding 2017 tax-efficiency for these two funds: ============== IXUS 2017 Dividends: Ex-Date Total Distribution NAV at distribution Dec 19, 2017 $0.778264 62.0600 Jun 20, 2017 $0.738831 57.0600 FTIPX 2017 Dividend : Date Per Share Amount Reinvestment Price 12/08/17 $0.16464 $12.19 Capital Gains : ...
by bi0hazard
Fri Dec 22, 2017 8:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Vs Fidelity Total International Index TAX efficiency
Replies: 3
Views: 1077

Re: Vanguard Vs Fidelity Total International Index TAX efficiency

Bump for evening crowd. I don't need all the math done for me.. Do I add the dividends/CGs and divide by index price per share? In addition it seems odd that the fidelity fund has capital gains (hopefully long term) but apparently vanguard total international index fund also had capital gains when i...
by bi0hazard
Fri Dec 22, 2017 1:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Vs Fidelity Total International Index TAX efficiency
Replies: 3
Views: 1077

Vanguard Vs Fidelity Total International Index TAX efficiency

All, Some of this has been discussed but I'm not sure I completely understand. I have both VTIAX at Vanguard and FTIPX at Fidelity. Highest federal tax bracket. It looks like vanguard had 4 dividends in 2017 and fidelity had one capital gain (not sure if it's short and/or long) and one dividend. Thi...
by bi0hazard
Thu Dec 14, 2017 2:22 pm
Forum: Investing - Theory, News & General
Topic: Any of you trade just a little as a hobby?
Replies: 64
Views: 7449

Re: Any of you trade just a little as a hobby?

I do not trade and have no individual stocks. However, after saving very conservatively my entire career in my 30s (stock index funds only 30-50% portfolio), I am ready for an adventure. I want to dedicate less than 0.5% of my assets to the marijuana industry (buy and hold). I have not decided betwe...
by bi0hazard
Mon Dec 11, 2017 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: So bought Litecoin@ $150...
Replies: 14
Views: 3146

Re: So bought Litecoin@ $150...

Did you use coinbase? Are there other cryptos you're buying? I might consider, just for fun.
by bi0hazard
Mon Oct 30, 2017 12:44 pm
Forum: Investing - Theory, News & General
Topic: Stocks go up, bonds fall. Stock fall, bonds also fall.
Replies: 51
Views: 6662

Re: Stocks go up, bonds fall. Stock fall, bonds also fall.

[/quote]

You might not realize your losses. They are still losses.
[/quote]

This may be a unique perspective on BH site. If this was to be our worry we wouldn't invest in stocks or bonds.
by bi0hazard
Mon Oct 30, 2017 10:48 am
Forum: Investing - Theory, News & General
Topic: Stocks go up, bonds fall. Stock fall, bonds also fall.
Replies: 51
Views: 6662

Re: Stocks go up, bonds fall. Stock fall, bonds also fall.

I'm not an expert on bonds, but few things I have noticed in my investments. 1) my intermediate tax exempt bond fund monthly dividends are higer than all current 5 year CD interest payments I'm aware of. ( I have multiple CDs as well which are not tax efficient) 2) I pay no taxes on tax exempt divid...
by bi0hazard
Wed Sep 13, 2017 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 66264

Re: Equifax customer information leak

none of these sites are actually able to process online freeze at this time :annoyed

i think it's just credit monitoring for me at this time...
by bi0hazard
Sat Sep 09, 2017 12:25 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 66264

Re: Equifax customer information leak

How does this affect one's routine purchases and opening new financial accounts? When do you "unfreeze"? You can use existing credit accounts normally. With frozen credit, you should not be able to open new financial accounts. When you need to open a new account, or a business needs to run a hard c...