Search found 48 matches

by big bang
Tue Oct 08, 2019 6:44 pm
Forum: Personal Consumer Issues
Topic: Downdraft ventilation system
Replies: 11
Views: 914

Re: Downdraft ventilation system

....trying again to get some input.
by big bang
Mon Oct 07, 2019 11:54 pm
Forum: Personal Consumer Issues
Topic: Downdraft ventilation system
Replies: 11
Views: 914

Downdraft ventilation system

Hi all, We have a very old existing 36" downdraft that we need to replace. The current unit has an attached blower which connects to a slightly off centered under the floor venting. We are looking for a reasonably good unit which is not too noisy, nice design, reliable and easy installation. Please ...
by big bang
Wed Sep 18, 2019 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 493
Views: 26453

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

We could be faced with a situation at some point where we're essentially converting from Roth to traditional in order to keep the premium tax credit. A Roth-to-traditional conversion may seem backwards to some but life can be weird sometimes. Ron, very impressed by this thread and I very much appre...
by big bang
Wed Sep 18, 2019 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 493
Views: 26453

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

We could be faced with a situation at some point where we're essentially converting from Roth to traditional in order to keep the premium tax credit. A Roth-to-traditional conversion may seem backwards to some but life can be weird sometimes. Ron, very impressed by this thread and I very much appre...
by big bang
Mon Aug 12, 2019 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Are you refinancing now?
Replies: 73
Views: 6957

Re: Are you refinancing now?

Bronko wrote:
Mon Aug 12, 2019 12:13 pm
I just did 3.25 last week with Lakeview lending.
Wow! This is great!
I will contact them.
Thank you!
by big bang
Sun Aug 11, 2019 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Are you refinancing now?
Replies: 73
Views: 6957

Are you refinancing now?

Hi all,
Where you are finding the lowest interest rates?
I am looking for a 30 year fixed mortgage hopefully close to 3.35 percent.
Thank you!
by big bang
Wed Jul 10, 2019 2:58 pm
Forum: Personal Investments
Topic: Re-balancing challenge....
Replies: 21
Views: 1230

Re: Re-balancing challenge....

Thank you goingup,
Yes I do direct equity dividends to cash in the taxable account. Last dividend distribution was a couple of weeks ago.
by big bang
Wed Jul 10, 2019 1:43 pm
Forum: Personal Investments
Topic: Re-balancing challenge....
Replies: 21
Views: 1230

Re: Re-balancing challenge....

Hi pkcrafter, Sorry that I missed your questions. Since both stocks and bonds are going up, my asset allocation did not change. I felt with the new highs, that I don't have the ability to move money out of stocks. I guess that's the first time that I am experiencing the need to scale back a bit from...
by big bang
Wed Jul 10, 2019 1:16 pm
Forum: Personal Investments
Topic: Re-balancing challenge....
Replies: 21
Views: 1230

Re: Re-balancing challenge....

Hi livesoft and Socrates, Thank you for the advice. I am for sure staying with 15% international. I like the diversification and I like the fact that it allows me to buy low (that I can balance to). I don't think that I want to be heavier than that level either. Hi cashboy, I feel comfortable with 5...
by big bang
Wed Jul 10, 2019 11:42 am
Forum: Personal Investments
Topic: Re-balancing challenge....
Replies: 21
Views: 1230

Re: Re-balancing challenge....

Hi Jack FFR1846,
Yep.....stay the course, right?
Those new highs are scaring me. Especially that both stocks and bonds are up. There is nothing lower in the portfolio that I can move some money to.
by big bang
Wed Jul 10, 2019 11:09 am
Forum: Personal Investments
Topic: Re-balancing challenge....
Replies: 21
Views: 1230

Re: Re-balancing challenge....

Hi WhiteMaxima,
We are in a semi retired mode 61 yrs old couple. I feel that, your suggested AA of 65% stocks it just might be too aggressive for us....
by big bang
Wed Jul 10, 2019 11:04 am
Forum: Personal Investments
Topic: Re-balancing challenge....
Replies: 21
Views: 1230

Re: Re-balancing challenge....

Hi livesoft,
I did not hit a triggering band. I feel that I want to scale back a bit and have some protection form the recent highs.
However, the fact that both stocks and bonds high, I don't have room to do that.
Unless I decide to change my AA to 50/50....
by big bang
Wed Jul 10, 2019 10:46 am
Forum: Personal Investments
Topic: Re-balancing challenge....
Replies: 21
Views: 1230

Re-balancing challenge....

Hi fellow bogleheads, Both stocks and bonds are going up, which is causing me a challenge of re-balancing. With the new highs, I feel that I want to scale back a bit. However, I do not have room to do that. How you are all addressing this? Just let it ride, till something changes? Here is my current...
by big bang
Thu Mar 21, 2019 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1097
Views: 130969

Re: Using Fidelity Cash Management as my only bank account

Have been using it for years. Love it. It simplified our finances.
by big bang
Thu Mar 21, 2019 8:28 pm
Forum: Personal Investments
Topic: Greedy and Fearful...
Replies: 9
Views: 1761

Greedy and Fearful...

Oh it's tough to stay the course. Forced to retire a couple years ago, now age 61. Doing some part time jobs. Spouse still working full time, age 61 too. Both in good health. Before retirement AA 65/35 Soon after retirement, moved assets to 50/50 Recently spouse found a better paying job. Decided to...
by big bang
Sun Mar 10, 2019 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Qualified Business Income
Replies: 6
Views: 592

Re: H&R Block Qualified Business Income

Does anyone know how to amend the partnership return?
I called H&R and was not able to get a clear answer. They have opened a case for me and hopefully I will hear from them tomorrow.
Is it possible that I am dealing with a software problem?
by big bang
Sun Mar 10, 2019 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Qualified Business Income
Replies: 6
Views: 592

Re: Qualified Business Income

Thank you for your reply
Do I need to amend the partnership or I can amend the K1 only?
by big bang
Sun Mar 10, 2019 2:28 am
Forum: Personal Finance (Not Investing)
Topic: Qualified Business Income
Replies: 6
Views: 592

Qualified Business Income

Hi fellow bogleheads, I am using the H&R Block Premium & Business software (CD). After e-failing the business partnership, I realized that no selection was made in box 20 of the K-1 schedule related the Qualified Business income. After researching I learned the I was supposed to have code Z over the...
by big bang
Wed Aug 15, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Compensation negotiation
Replies: 10
Views: 778

Re: Compensation negotiation

Thank you all for the responses so far.... Some answers to your questions: He is currently working and this position is a step up from his current position It's in IT and in a HCOL area It sounds like that he needs to let them know the compensation that he is looking for. Is it better to state base ...
by big bang
Wed Aug 15, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Compensation negotiation
Replies: 10
Views: 778

Compensation negotiation

My son had a series of job interviews with this company. Friday was the face to face one. That one was the most thorough interview. The first and last meetings on Friday were with an HR person trying to gauge his salary range requirement. He indicated that he would like to hear from them. Today he g...
by big bang
Thu Jul 12, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Selecting HSA custodian
Replies: 14
Views: 1372

Selecting HSA custodian

Hello everyone, My son's company notified them that as of the end of the month they are going to discontinue the HSA plan due to low adoption. He was one of the few that participated in this plan from his organization. I believe he has around $7K in the account. His current custodian will start char...
by big bang
Sat Jun 30, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Discontinued HSA account
Replies: 4
Views: 731

Re: Discontinued HSA account

Thank you "grabiner" for the point of limiting the contribution for the year so he will not expose himself to the IRS penalties. The account charges a monthly fee that he was getting reimbursed from the employer. So the reimbursement will stop and he will be on his own. Also, he really did not have ...
by big bang
Fri Jun 29, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Discontinued HSA account
Replies: 4
Views: 731

Discontinued HSA account

Hello friends, My sons company just notified them the discontinuation of the HSA plan due to low adoption. He was one of the few that participated in this plan from his organization. He will have a meeting with HR later today to discuss options. I believe he has around $7K in the account. Let's see ...
by big bang
Sat Apr 28, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Did you rent car in Spain?
Replies: 18
Views: 1391

Did you rent car in Spain?

Seeking tips in managing a car rental usage in Spain. I am imagining that city centers will be very congested and its going to be very difficult to find reasonably priced parking. Where did you park the car when sightseeing? Did you park the car in the hotel and use public transportation while in th...
by big bang
Thu Apr 12, 2018 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Wanting to leave Fidelity
Replies: 97
Views: 14658

Re: Wanting to leave Fidelity

Dottie57 wrote:
Thu Apr 12, 2018 12:17 pm
exoilman wrote:
Thu Apr 12, 2018 11:56 am
Always passive wrote:
Thu Apr 12, 2018 11:51 am
Before you go through the effort of moving to another institution, make sure that you will get a better service. I have had my money at Fidelity for 25 years and I find their service exceptional.
+1
+1
+1
by big bang
Wed Mar 21, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: How to respond to internship offer?
Replies: 16
Views: 2342

Re: How to respond to internship offer?

Thank you very much to everyone that responded. Having different approaches to the same subject is what makes this forum an excellent source of ideas. This highlights the point that there is more than one way to look at things.
I appreciate it.
by big bang
Tue Mar 20, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: How to respond to internship offer?
Replies: 16
Views: 2342

How to respond to internship offer?

Hello everyone, My son is in college. He received two internship offers for the summer. He likes one better than the other. What should be the most appropriate way to respond to the one that he is not going to accept? Thinking about a language that is professional and to attempt and keep the relatio...
by big bang
Sun Jan 21, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: 300K 15yr mortgage or sell investments?
Replies: 4
Views: 659

Re: 300K 15yr mortgage or sell investments?

I will say, put now the 20% down as you originally planned and take 30 year fixed mortgage. Than re-evaluate your situation when you sell your existing house. If you feel comfortable with the monthly payments, than maybe do not change anything. If you are able, with time you can also make additional...
by big bang
Sat Jan 20, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff Advice with Appreciated Securities
Replies: 17
Views: 1197

Re: Mortgage Payoff Advice with Appreciated Securities

I will suggest to refinance the mortgage with a fixed interest rate to an amount of monthly payment and mortgage level that you feel comfortable with. For example reduce the mortgage amount to $200K with 15 years mortgage. Your interest rate will be higher but you will get the benefit that it's fixe...
by big bang
Fri Nov 10, 2017 1:02 pm
Forum: Personal Investments
Topic: Stable Value vs Total Bond Market Funds
Replies: 9
Views: 1547

Re: Stable Value vs Total Bond Market Funds

I like the Stable Value Fund especially in the rising rates environment. I recently moved as much as I could per my Asset Allocation and my 401K space allotment to the Stable Value Fund. My overall Asset Allocation dictates 40% bonds. So I am now at 25% Stable Value Fund and 15% intermediate-term Ag...
by big bang
Thu Oct 12, 2017 4:33 pm
Forum: Personal Investments
Topic: Are we taking too much risk with Bonds in our AA?
Replies: 25
Views: 2888

Re: Are we taking too much risk with Bonds in our AA?

TRP STABLE VALUE FUND - N SVF-N
0.49% - 3 Month
1.44% - YTD
1.92% - 1 Year
by big bang
Thu Oct 12, 2017 4:12 pm
Forum: Personal Investments
Topic: Are we taking too much risk with Bonds in our AA?
Replies: 25
Views: 2888

Re: Are we taking too much risk with Bonds in our AA?

Thank you for all your responses. So where do you think that I should park my bond allocation considering this period of rising rates? Those are the options that I have in my 401K: BLACKROCK U.S. DEBT INDEX M BUDFM (Barclays U.S. Aggregate Bond Index) ER 0.03% VANGUARD SH TM BOND INDEX PREM VBIPX (B...
by big bang
Wed Oct 11, 2017 1:36 pm
Forum: Personal Investments
Topic: Are we taking too much risk with Bonds in our AA?
Replies: 25
Views: 2888

Are we taking too much risk with Bonds in our AA?

Hi everyone, I know that some can consider this as market timing.... However, we do know that the federal reserve started unwinding the recession stimulus. Additionally, we know that they are in the path of rising rates. Those are much more actionable today than in previous years. This stuff is alre...
by big bang
Sat Apr 22, 2017 7:38 pm
Forum: Personal Investments
Topic: Small business pre-tax savings vehicle
Replies: 14
Views: 793

Re: Small business pre-tax savings vehicle

Great!
Thank you all very much for the help.
by big bang
Sat Apr 22, 2017 6:53 pm
Forum: Personal Investments
Topic: Small business pre-tax savings vehicle
Replies: 14
Views: 793

Re: Small business pre-tax savings vehicle

Thank you Spirit Rider for staying with me.... Okay just confirming what I understand. With the agreement of both partners the partnership adopts an employer retirement plan of Self-Employed 401K. Than each partner can decide individually to open Self-Employed 401K or not. The one that decides to op...
by big bang
Sat Apr 22, 2017 5:44 pm
Forum: Personal Investments
Topic: Small business pre-tax savings vehicle
Replies: 14
Views: 793

Re: Small business pre-tax savings vehicle

Just to make sure I understand...

If the employer (the partnership) is not making any contributions. Than each partner can make their own decision of which plan they choose and how much they contribute.
In this case it's better to go with the Self-Employed 401K.
Correct?
by big bang
Sat Apr 22, 2017 5:17 pm
Forum: Personal Investments
Topic: Small business pre-tax savings vehicle
Replies: 14
Views: 793

Re: Small business pre-tax savings vehicle

Income is reported from Form 1065
There is no W2
by big bang
Sat Apr 22, 2017 5:08 pm
Forum: Personal Investments
Topic: Small business pre-tax savings vehicle
Replies: 14
Views: 793

Small business pre-tax savings vehicle

Hi all, I appreciate the wisdom of this group and it’s a pleasure to read the threads. Thank you all for the opportunity to continue learning. I have done some research online about this subject and was not able to conclude. My friend has 50/50 partnership in a small business with no other employees...
by big bang
Sun Apr 09, 2017 11:49 pm
Forum: Personal Consumer Issues
Topic: Planning Scandinavia trip
Replies: 18
Views: 1977

Re: Planning Scandinavia trip

I appreciate everyone's input. Based on your feedback we have worked out this updated version that incorporates the following points: Switch from train travel to flights (time savings not much cost differance) Move the hours of travel to the evenings (benefiting from the early part of the day) Skip ...
by big bang
Sun Apr 09, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: Planning Scandinavia trip
Replies: 18
Views: 1977

Planning Scandinavia trip

Hi all, I need advice on the following trip plan that I am working on. We will be landing in Stockholm and flying back from the same city. The duration of the trip is during the first half of June, 2017. Flight tickets are already purchased. During the trip we would like to spend as much time as pos...
by big bang
Tue Oct 11, 2016 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to get paid from international clients?
Replies: 5
Views: 778

Best way to get paid from international clients?

Hi all, My wife does some freelancing work and gets paid from clients that are located out the country (USA). They wire transfer the funds to her account. She banks at Chase, and the bank fees are very expensive. The clients pay $25 on their side for their wire transfer fee and she pays additional $...
by big bang
Thu Oct 06, 2016 7:28 pm
Forum: Personal Consumer Issues
Topic: Gifting prepaid VISA/MC/Amex card - which one to buy?
Replies: 13
Views: 1463

Re: Gifting prepaid VISA/MC/Amex card - which one to buy?

Our experience is that its a pain to get rid of them. Our son just celebrated his birthday and received few gift cards. Amazon $50 card now we are stuck with $30.01 balance Amex $100 card now need to find a way to spend another $48.57 Bed Bath and Beyond $65 card went to the store and did not find a...
by big bang
Wed Aug 17, 2016 12:52 am
Forum: Personal Consumer Issues
Topic: AAA Car Batteries
Replies: 44
Views: 33210

Re: AAA Car Batteries

Couple of hours ago couldn't start the car. Called AAA and my battery voltage was so low that the mechanic was not able to run the health check diagnostic. He suggested a replacement. Cost $115.54 including taxes and installation.
He was done in a few minutes. :sharebeer
by big bang
Thu Aug 04, 2016 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Electrical Engineering OR Computer Science?
Replies: 52
Views: 5598

Re: Electrical Engineering OR Computer Science?

Thank you very much to all of you for the valuable feedback and information. I have let my son to review this thread and we had interesting discussions at home. As most of you are saying, the most important part is that at the end this is his decision to make and he needs to choose whatever makes hi...
by big bang
Mon Aug 01, 2016 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Electrical Engineering OR Computer Science?
Replies: 52
Views: 5598

Electrical Engineering OR Computer Science?

Hi all, My son is transferring from a community college and got accepted to Polytechnic State University for their Electrical Engineering program. He will be starting there as a Junior. The Electrical Engineering program is part of a department that also includes the Computer Engineering, Computer S...
by big bang
Mon Aug 01, 2016 3:09 pm
Forum: Personal Investments
Topic: Bond allocation advice request
Replies: 3
Views: 720

Re: Bond allocation advice request

Thank you for your reply Cromwell. Do you recommend any that will fit what I have so far? Also, I am not sure I understand when you say complexity. The bond selections that I have are what are getting offered by the 401K / HSA admins. The only choice that I made was selecting AGG in the Roth and the...
by big bang
Sun Jul 31, 2016 8:29 pm
Forum: Personal Consumer Issues
Topic: Merging PDF Files
Replies: 20
Views: 1555

Re: Merging PDF Files

You can do it easily using Adobe Professional.
See if one of your friends has the application....
It just takes a few minutes.
Good Luck!
by big bang
Sun Jul 31, 2016 7:33 pm
Forum: Personal Investments
Topic: Bond allocation advice request
Replies: 3
Views: 720

Bond allocation advice request

Hi all, I have been reading this board for the last year. I have learned a lot of valuable information and hopefully adjusted our asset allocation closest to the Bogleheads philosophy. We are both 58 years old. I am retired and my wife still working full time. Our son is going to be Junior this year...