Search found 2009 matches

by fortfun
Tue Jun 18, 2019 8:24 pm
Forum: Personal Consumer Issues
Topic: Subaru Ascent vs Toyota Highlander...
Replies: 37
Views: 3621

Re: Subaru Ascent vs Toyota Highlander...

DW wants to move up to three row SUV to haul around grandkids. Love the Ascent but dealership 60 miles from home and Toyota dealerships 15 miles from home. Any thoughts here? Have you tried sitting in the third row of the Highlander? It’s a joke of a third row. My wife has Ascent and we love it. De...
by fortfun
Tue Jun 18, 2019 8:21 pm
Forum: Investing - Theory, News & General
Topic: Investing in Multiple Streams of Income? (NOT get rich quick)
Replies: 89
Views: 6975

Re: Investing in Multiple Streams of Income? (NOT get rich quick)

You might want to read responses to this thread. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=269901 I think the main concern with rental properties is unexpected costs that could wipe you out (new roof, etc) and bad tenants. However, it has worked well for many. I finished my basement and r...
by fortfun
Tue Jun 18, 2019 8:14 pm
Forum: Personal Investments
Topic: Vanguard?
Replies: 48
Views: 3481

Re: Vanguard?

Capital gains? I thought 403b accounts once rolled over to an ira is only taxed when I take it out? I'd call Vanguard and have them step you through the process. There may be surrender fees from the 403b but Vanguard should be able to help you minimize fees/taxes, etc. Yes, I would switch to Vangua...
by fortfun
Tue Jun 18, 2019 8:07 pm
Forum: Personal Consumer Issues
Topic: Subaru Ascent vs Toyota Highlander...
Replies: 37
Views: 3621

Re: Subaru Ascent vs Toyota Highlander...

Love our Highlander. 10 years old with 106k miles--zero problems. Change the oil and filters once a year--that's it!
by fortfun
Tue Jun 18, 2019 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Waiting to prepay mortgage until you can pay the whole thing off?
Replies: 28
Views: 3236

Re: Waiting to prepay mortgage until you can pay the whole thing off?

If someone has a lot of equity in the house - they can just sell if hard times comes - and then use the proceeds to downsize into a full cash purchase. Of course you have to have consider the shock to the family to do that. Of course it's a similar shock to the family if "mom lost her job, all of y...
by fortfun
Tue Jun 18, 2019 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Doing Your Own Taxes
Replies: 36
Views: 3149

Re: Doing Your Own Taxes

If you have rentals, try Turbo Tax deluxe. I've really enjoyed it the past three years and got much bigger refunds than when I paid a "professional." I'd be interested in hearing what errors and/or omissions you found in the "professional" tax return. I prepare a lot of returns for TaxAide and we s...
by fortfun
Mon Jun 17, 2019 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Doing Your Own Taxes
Replies: 36
Views: 3149

Re: Doing Your Own Taxes

If you have rentals, try Turbo Tax deluxe. I've really enjoyed it the past three years and got much bigger refunds than when I paid a "professional."
by fortfun
Sat Jun 15, 2019 10:24 pm
Forum: Personal Consumer Issues
Topic: Radon levels in home
Replies: 50
Views: 4202

Re: Radon levels in home

Is your basement plumbed with a passive radon pipe leading out the roof? If so, you can put a $150 fan, in the attic, to pull the air out through the roof. I did that to mine, it was about a half day job, including adding a 110V plug near the power fan.
by fortfun
Sat Jun 15, 2019 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 118
Views: 8224

Re: Article on high deductible health plans - and the math

The other problem with HDHPs, which was emphasized in the article, is that people with HDHPs are discouraged from using medical services, whether those services should be used or not. Yes, and sadly, if you bring up anything during the "free" annual physical, you are almost always billed for a sepa...
by fortfun
Fri Jun 14, 2019 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 118
Views: 8224

Re: Article on high deductible health plans - and the math

The other problem with HDHPs, which was emphasized in the article, is that people with HDHPs are discouraged from using medical services, whether those services should be used or not. Yes, and sadly, if you bring up anything during the "free" annual physical, you are almost always billed for a sepa...
by fortfun
Fri Jun 14, 2019 10:09 pm
Forum: Investing - Theory, News & General
Topic: For the wiki: HSA as an emergency fund
Replies: 22
Views: 2051

Re: For the wiki: HSA as an emergency fund

HSA can already be used for medical emergencies. So in that sense very good idea to keep money there for medical expenses. But keeping all the old receipts is too complex. There is software out there that can keep track of these receipts for you, but it's really not difficult to just scan the recei...
by fortfun
Fri Jun 14, 2019 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 118
Views: 8224

Re: Article on high deductible health plans - and the math

The other problem with HDHPs, which was emphasized in the article, is that people with HDHPs are discouraged from using medical services, whether those services should be used or not. Yes, and sadly, if you bring up anything during the "free" annual physical, you are almost always billed for a sepa...
by fortfun
Fri Jun 14, 2019 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Teacher - Disability Insurance Plan
Replies: 9
Views: 564

Re: Teacher - Disability Insurance Plan

My teacher pension has a built in disability coverage once vested. You should check your pension before you buy a 3rd party. The disability that comes with my pension is actually quite good but the district still offers Afflack (I guess for employees that are not vested??)
by fortfun
Fri Jun 14, 2019 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Currently Viable Refinance Options when 30-YR Mortgage is Currently at 3.875%?
Replies: 19
Views: 1214

Re: Currently Viable Refinance Options when 30-YR Mortgage is Currently at 3.875%?

or did you mean, they are rolling those costs into the loan so you're paying interest on them? Hi F150HD, Sadly, the link didn't update when I entered the new info. I think it was for a 30yr loan. You/he would need to punch the numbers into the website to get accurate information. I'd even call the...
by fortfun
Fri Jun 14, 2019 11:25 am
Forum: Personal Investments
Topic: Investments for Children - equity percentage
Replies: 11
Views: 423

Re: Investments for Children - equity percentage

My very generous mother is currently putting money aside for my 8-year-old niece. A sum of 25k is currently sitting in a savings account and she is continuing to contribute. I have decided to intervene and will sit with her and open a Vanguard account with a view to placing the sum in a life strate...
by fortfun
Thu Jun 13, 2019 11:09 pm
Forum: Personal Consumer Issues
Topic: 50 or 75 gallon water heater?
Replies: 67
Views: 4080

Re: 50 or 75 gallon water heater?

Twin 50 gal in series is the answer Unlimited hot when you want it Throttle back to one on when you don’t Seems like real "overkill" to me. I have two 75 gallon tanks. Overkill maybe, but the other benefit is that you will never be without hot water if one tank fails as they are daisy-chained toget...
by fortfun
Thu Jun 13, 2019 11:07 pm
Forum: Personal Consumer Issues
Topic: 50 or 75 gallon water heater?
Replies: 67
Views: 4080

Re: 50 or 75 gallon water heater?

We have 2, 40 gallon tanks. The set up works very well. 40 gallon tanks are much less expensive than 50 and 75 gallon tanks. For an extra $100 you could add all the additional plumbing necessary (if you are handy). It would take up a bit more space though. Despite the popularity of tank-less heaters...
by fortfun
Thu Jun 13, 2019 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Currently Viable Refinance Options when 30-YR Mortgage is Currently at 3.875%?
Replies: 19
Views: 1214

Re: Currently Viable Refinance Options when 30-YR Mortgage is Currently at 3.875%?

30yr. 3.625 with $478 points. 3.75 with $1,500 cash back. https://www.provident.com/QuickRatesCalculator?base=2&Product=A1010&state=CO&LoanPurpose=1&LoanAmount=383000&apprvalue=700000 20yr. 3.625 no closing costs. https://www.provident.com/QuickRatesCalculator?base=2&Product=A1010&state=CO&LoanPurpo...
by fortfun
Thu Jun 13, 2019 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card sign on bonus suggestion
Replies: 32
Views: 2922

Re: Credit card sign on bonus suggestion

Cap 1 venture and savor (500 each, 1k total).
Citi Thankyou Premiere. (use their travel site to book).
Citi AA (lots of flights and partners).
United Explorer

If married, get a his and hers.
by fortfun
Thu Jun 13, 2019 7:09 pm
Forum: Personal Consumer Issues
Topic: used car advice
Replies: 20
Views: 1504

Re: used car advice

The only car I'd buy on that list is the 2016 Honda Accord Touring. I'd worry about reliability issues and maintenance costs too much on the others. I'm a bigger fan of Toyota though...

I also don't care too much about the "fun" to drive factor, so there is that.
by fortfun
Thu Jun 13, 2019 7:05 pm
Forum: Personal Consumer Issues
Topic: Do you repair your own appliances?
Replies: 65
Views: 3438

Re: Do you repair your own appliances?

Yes. For me, there's really nothing to lose. If I can't fix it, I'll just buy a new one rather than pay someone nearly the price of a new one to fix it. So far about a 90% success rate. I do prefer buying older appliances off of Facebook market place and Craigslist. They were definitely built better...
by fortfun
Thu Jun 13, 2019 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Refi Options Question
Replies: 4
Views: 393

Re: Refi Options Question

hayhayday wrote:
Thu Jun 13, 2019 7:00 pm
5k = 0.5% for a 0.125% reduction so payback is more like 4 years rather than 2 if that changes your decision. If your planning on possible multiple refis no cost route maybe better as will eliminate sunk cost apprehension if rates drop again
+1
by fortfun
Thu Jun 13, 2019 6:49 pm
Forum: Investing - Theory, News & General
Topic: How safe are pensions in the U.S.?
Replies: 86
Views: 8466

Re: How safe are pensions in the U.S.?

I read a lot of articles about pensions failing, benefits getting cut, etc. But my understanding is that most pensions are guaranteed by the PBGC, so participants generally won’t lose their promised benefits if the company goes bankrupt or can’t meet their obligations. I am not sure about benefits ...
by fortfun
Thu Jun 13, 2019 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC Options
Replies: 19
Views: 1403

Re: HELOC Options

How much will grad school cost? How long would it take you to save up that amount? How much will completed grad school raise your salary/income? I'd avoid the HELOC, if at all possible. Sorry not a better answer to your question.
by fortfun
Wed Jun 12, 2019 10:17 am
Forum: Personal Investments
Topic: Advice on 529 allocations
Replies: 2
Views: 499

Re: Advice on 529 allocations

I used Vanguard age based. I used aggressive until about age 10 and then switched over to moderate. It has served us well. Seems like your age based choice is good.
by fortfun
Tue Jun 11, 2019 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Checking vs Capital One 360 Checking
Replies: 16
Views: 1481

Re: Ally Checking vs Capital One 360 Checking

I use Ally but DW and I opened and closed Cap One accounts for the 500 bonus. Cap One didn't have any way to list beneficiaries at the time, which was a big problem for us. Maybe they do now. Ally works amazing well--better than my experience with the Cap One account that we sat up for the bonuses, ...
by fortfun
Tue Jun 11, 2019 10:01 am
Forum: Personal Consumer Issues
Topic: Excel to Outlook - need some Visual Basic assistance
Replies: 3
Views: 535

Re: Excel to Outlook - need some Visual Basic assistance

I would recommend Google Sheets with autocrat add-on. It can do exactly what you are asking for, very easily.

Google "autocrat addon"
by fortfun
Sun Jun 09, 2019 9:36 pm
Forum: Personal Consumer Issues
Topic: Road trip Salt Lake or Az to Vegas November
Replies: 8
Views: 722

Re: Road trip Salt Lake To Vegas November

We could also start and return to Vegas.I guess Zion is the best bet but uncertain about the other parks. You could get Zion and Bryce very easily from Las Vegas. Probably the easiest to do. However, if it is important, you could certainly see all of the Big 5 over a six day period. Utah does a nic...
by fortfun
Sun Jun 09, 2019 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: "Quitten" - Replacing Quicken with Google Sheets
Replies: 39
Views: 4058

Re: "Quitten" - Replacing Quicken with Google Sheets

So for any analysis sheet I care to create, such as summary report on spending for specified time period, I can simply use that "All transactions" sheet's range as the source for queries, easy peasy. This is probably not the most efficient way to go, but so far I haven't found the performance to be...
by fortfun
Sun Jun 09, 2019 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: How to donate to a non profit organization anonymously?
Replies: 22
Views: 1715

Re: How to donate to a non profit organization anonymously?

sksbog wrote:
Sun Jun 09, 2019 9:18 pm
hello,

Any thoughts on How to donate to a non profit organization anonymously?

Thanks
Send them a prepaid credit card.
by fortfun
Sun Jun 09, 2019 7:40 pm
Forum: Personal Consumer Issues
Topic: Anyone recommend a cheap cell phone service for text and calls?
Replies: 24
Views: 2046

Re: Anyone recommend a cheap cell phone service for text and calls?

My father-in-law needs a cheap cell phone and service. He is not a senior citizen (age 55) but has early on-set Alzheimers. Anyone have any suggestions on a cheap cell phone plan for someone like him ? He just needs it for emergencies and staying in touch with family. The ability to also text would...
by fortfun
Sat Jun 08, 2019 10:40 pm
Forum: Personal Investments
Topic: Having both Vanguard Target and TIAA-CREF Lifecycle funds
Replies: 16
Views: 1170

Re: Having both Vanguard Target and TIAA-CREF Lifecycle funds

Thanks for the replies. Student -- good point on potentially learning something by comparing the two. The Fees are: TIAA .1% Vanguard .09% https://www.tiaa.org/public/investment-performance/mutualfunds/profile?ticker=21066478 https://investor.vanguard.com/mutual-funds/profile/pe/fees/1669?dbOnly=fa...
by fortfun
Sat Jun 08, 2019 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 18754

Re: Paying for rent is throwing away money...myth?

I own my home but rent the basement, which pays the mortgage (with depreciation, I'm able to show a loss). I'm pretty handy and can do all the maintenance/repairs. Homes in my area have appreciated nicely. I purchased my home before I knew about Bogleheads and it was probably a good investment for m...
by fortfun
Sat Jun 08, 2019 9:31 pm
Forum: Personal Consumer Issues
Topic: Car Top Carrier
Replies: 18
Views: 1262

Re: Car Top Carrier

I own a Toyota Rav 4. Next month, I need to transport some household items to a relative living 350 miles away. I will not be able to fit everything into the relatively small cargo area of the RAV4. I have never used a car top carrier before, but this vehicle came with a rack for a carrier. Any rec...
by fortfun
Sat Jun 08, 2019 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Tell us your side hustle success stories.
Replies: 68
Views: 6891

Re: Tell us your side hustle success stories.

Rent out basement that I finished myself (approx 1k/month). Usually show a loss with depreciation. Only advertise through my local university. Can be super picky on tenants due to "shared" space, even though there isn't any shared space. Churning credit cards for DW and I (approx 5k/yr). Pay no taxe...
by fortfun
Sat Jun 08, 2019 8:41 pm
Forum: Personal Investments
Topic: Having both Vanguard Target and TIAA-CREF Lifecycle funds
Replies: 16
Views: 1170

Re: Having both Vanguard Target and TIAA-CREF Lifecycle funds

According to this PDF https://www.tiaa.org/public/pdf/ffs/886315597.pdf fees on the TIAA are significantly higher than Vanguards. Would you mind posting the fees on both funds? That way, we can compare apples to apples. It appears that TIAAs fees are .4% higher, which will add up to a big difference...
by fortfun
Sat Jun 08, 2019 7:18 pm
Forum: Personal Consumer Issues
Topic: Road trip Salt Lake or Az to Vegas November
Replies: 8
Views: 722

Re: Road trip Salt Lake To Vegas November

Any thoughts on driving from Utah to Vegas the beginning of November?Any road/weather problems at that time.We would like to see some of the National Parks briefly along the way.We have 6 days.No hiking just some photos and a general sense of the area.Thanks Roads will probably be okay that time of...
by fortfun
Sat Jun 08, 2019 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy more life insurance?
Replies: 25
Views: 1354

Re: Should I buy more life insurance?

Your salary is 5 times mine but your life insurance is less than 2 times what I carry. If you family needs the full 550k/yr salary replacement, you should at least double what you have. So, I think your suggestion is inline with that. What insurance company sold you a policy of 30 times plus your i...
by fortfun
Sat Jun 08, 2019 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy more life insurance?
Replies: 25
Views: 1354

Re: Should I buy more life insurance?

Your salary is 5 times mine but your life insurance is less than 2 times what I carry. If you family needs the full 550k/yr salary replacement, you should at least double what you have. So, I think your suggestion is inline with that.
by fortfun
Sat Jun 08, 2019 9:30 am
Forum: Personal Consumer Issues
Topic: Refrigerator Advice
Replies: 46
Views: 3108

Re: Refrigerator Advice

I'd get one with the least bells and whistle possible. Less to go wrong. That is, if you don't want it to need repair frequently.
by fortfun
Thu Jun 06, 2019 10:22 pm
Forum: Personal Investments
Topic: Bonds and Investing
Replies: 31
Views: 3433

Re: Bonds and Investing

Why not just use one of Vanguard's age based 529s that automatically adjusts. You can pick conservative, moderate, or aggressive. Sounds like aggressive would suit you best.
by fortfun
Thu Jun 06, 2019 10:11 pm
Forum: Personal Consumer Issues
Topic: Land Property Survey...how to decipher
Replies: 13
Views: 1091

Re: Land Property Survey...how to decipher

If accuracy is important, it might be easier just to pay a local surveyor a couple hundred bucks to put in some stakes. You can replace them with t-posts or something else more permanent.
by fortfun
Thu Jun 06, 2019 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Attn: teachers....Daughter considering 80% teaching position. Good idea?
Replies: 64
Views: 4997

Re: Attn: teachers....Daughter considering 80% teaching position. Good idea?

My daughter just got an M. Ed. in Biology and has had numerous desirable job offers. The job she is most interested in is only offering her an 80% teaching (and salary) position for the first year (teaching HS biology). Starting salaries at the other schools are $50K. She would make $40K year one a...
by fortfun
Wed Jun 05, 2019 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Failed land investments and what to do with it?
Replies: 139
Views: 8983

Re: Low ball offer to buy my useless land, take it or leave it?

Put a goat on the property and get the ag tax refund.
by fortfun
Wed Jun 05, 2019 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Trust (Doesn't accept Real estate, etc.)
Replies: 8
Views: 424

Re: Vanguard Trust (Doesn't accept Real estate, etc.)

Yes, as for real estate the personal representative could sell the real estate unless it is specifically devised to an individual. Life insurance can be payable to the estate, the trust, or an individual and collected by the appropriate beneficiary. Personal property is normally devised to individu...
by fortfun
Wed Jun 05, 2019 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Trust (Doesn't accept Real estate, etc.)
Replies: 8
Views: 424

Re: Vanguard Trust (Doesn't accept Real estate, etc.)

If a trust under the Will owns real estate, the other trustees will be responsible for it. This used to happen more often when the estate tax exclusion amount was much lower, and the decedent's interest in the home sometimes went into the credit shelter trust because there weren't enough other asse...
by fortfun
Wed Jun 05, 2019 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Trust (Doesn't accept Real estate, etc.)
Replies: 8
Views: 424

Re: Vanguard Trust (Doesn't accept Real estate, etc.)

Yes, as for real estate the personal representative could sell the real estate unless it is specifically devised to an individual. Life insurance can be payable to the estate, the trust, or an individual and collected by the appropriate beneficiary. Personal property is normally devised to individu...
by fortfun
Wed Jun 05, 2019 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Trust (Doesn't accept Real estate, etc.)
Replies: 8
Views: 424

Vanguard Trust (Doesn't accept Real estate, etc.)

Since Vanguard Trust won't accept real estate, does your attorney just specify that your co-trustee, or the executor of your will, sell your real estate and give the proceeds to your Vanguard trust? Also, what about life insurance policies, same thing? How can you ensure this will happen? My attorne...
by fortfun
Wed Jun 05, 2019 11:35 am
Forum: Personal Investments
Topic: advice on picking 403b vendor
Replies: 5
Views: 205

Re: advice on picking 403b vendor

You're REALLY lucky! Fidelity, no brainer. However, carefully select the funds that are available. DW's Target Date Funds, at Fidelity, are the more expensive TDFs. So, we ended up making the 3 fund portfolio with her "spartan" choices (now called something else).
by fortfun
Tue Jun 04, 2019 10:36 pm
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 6988

Re: Do you drive old cars for long distance travels?

flyingaway wrote:
Mon Jun 03, 2019 11:38 am
If your car is at least 10 years old and with 100k miles, do you still use it for long distance travels (more than 5 hours of driving)?
Yes, but they are Toyotas. Probably wouldn't do that with a lot of other brands.