Search found 572 matches

by rebellovw
Wed Nov 27, 2019 12:23 pm
Forum: Personal Consumer Issues
Topic: 6 x 9 car speakers
Replies: 13
Views: 967

Re: 6 x 9 car speakers

Jensen Triaxles man!
by rebellovw
Thu Nov 21, 2019 11:59 am
Forum: Personal Investments
Topic: Talk Me Off the Active Investing Ledge!
Replies: 58
Views: 3792

Re: Talk Me Off the Active Investing Ledge!

Talk you out of it? You might as well experience it and come to your own conclusion - I did and it sucked. 10 years - and @10K in fees only to be slightly higher (balance) - not much gains. I wish I never did Active investing and found bogleheads sooner. I'm so much happier doing it the bogleheads w...
by rebellovw
Wed Nov 06, 2019 6:01 pm
Forum: Investing - Theory, News & General
Topic: Any Bogleheads get involved in private equity?
Replies: 52
Views: 10110

Re: Any Bogleheads get involved in private equity?

Hopefully no one speculated with Sofbank and learned a lesson from current events.
by rebellovw
Thu Oct 24, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: 2019 year end car buying experience
Replies: 46
Views: 5172

Re: 2019 year end car buying experience

zlandar wrote:
Sat Oct 19, 2019 12:13 pm
rebellovw wrote:
Fri Oct 18, 2019 5:40 pm
Getting quotes is easy - don't even have to leave your house.
But your missing out on sitting in a cubicle for hours while the sales guy pretends to go his manager so he can get that “special deal” for you.
Yep - just like in Fargo (the movie) haha.
by rebellovw
Thu Oct 24, 2019 10:24 am
Forum: Personal Investments
Topic: 11 Reasons to Carry a Big, Long Mortgage by Ric Edelman.
Replies: 93
Views: 10993

Re: 11 Reasons to Carry a Big, Long Mortgage by Ric Edelman.

I could probably come up with 11 reasons why I'm happy that I have no mortgage, no credit card debt etc. Because of that I was able to save and reach my goals - while having a mortgage previously - I was going nowhere.
by rebellovw
Fri Oct 18, 2019 5:40 pm
Forum: Personal Consumer Issues
Topic: 2019 year end car buying experience
Replies: 46
Views: 5172

Re: 2019 year end car buying experience

Getting quotes is easy - don't even have to leave your house.
by rebellovw
Fri Oct 11, 2019 3:49 pm
Forum: Personal Investments
Topic: Does Fidelity have a performance view?
Replies: 45
Views: 3552

Re: Does Fidelity have a performance view?

Performance tab only shows up on accounts that have over so much money. My Fido account has it - but my wife's doesn't.
by rebellovw
Fri Oct 11, 2019 1:39 pm
Forum: Personal Consumer Issues
Topic: Seiko Watch
Replies: 37
Views: 3776

Re: Seiko Watch

I have a nice citizen - that uses motion to charge if I recall- though I don't wear it.
by rebellovw
Wed Oct 09, 2019 5:43 pm
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 16200

Re: How many are switching from Fidelity?

Why the heck would I leave fidelity? Very happy with them.
by rebellovw
Wed Oct 09, 2019 3:15 pm
Forum: Personal Consumer Issues
Topic: My mechanic just wrecked my car - advice?
Replies: 101
Views: 8286

Re: My mechanic just wrecked my car - advice?

I would ask them to purchase it for pre-repair value, minus the value of any work you had them about to perform (seems fair) Why would they do that when they have insurance most likely? Their insurance should take care of the damage - we are talking about a 2006 car here and not a 911 or collectors...
by rebellovw
Wed Oct 09, 2019 3:11 pm
Forum: Personal Consumer Issues
Topic: My mechanic just wrecked my car - advice?
Replies: 101
Views: 8286

Re: My mechanic just wrecked my car - advice?

Car is a 2006 Subaru - what is the big deal? - just get it fixed - accidents happen. Can't believe all the - make them buy it - and sue comments.
by rebellovw
Sun Oct 06, 2019 12:30 pm
Forum: Personal Consumer Issues
Topic: replacing Smoke Detectors (not just batteries)
Replies: 30
Views: 1981

Re: replacing Smoke Detectors (not just batteries)

Recently went thru the process of replacing wired smoke alarm units. I called the local fire department and spoke with an expert. He recommended the following: (1). If the units are over 10 years old, it is best to replace them all. (2). Do get the same type. For example, all ionization, photoelect...
by rebellovw
Sun Oct 06, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: replacing Smoke Detectors (not just batteries)
Replies: 30
Views: 1981

Re: replacing Smoke Detectors (not just batteries)

I just did this and happy that I did. I have 8 wired detectors - and used photo combo (carbon m/fire) kitchen and living room - and the other type all other rooms. All the same brand and all compatibable. Knock on wood - no more false alarms in the kitchen.
by rebellovw
Fri Sep 27, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: Should I sell my BMW
Replies: 48
Views: 3572

Re: Should I sell my BMW

campy2010 wrote:
Fri Sep 27, 2019 1:26 pm
I'll buy it from you for $16k give or take. The question to you is what you would buy with my +/-$16k check.
Exactly where else can you get a car for 16K that you know everything about and has 33K miles that you have driven - likely carefully and not like leaving the scene of a crime.
by rebellovw
Fri Sep 27, 2019 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Extended warranty transfer dispute with private truck seller
Replies: 36
Views: 2068

Re: Extended warranty transfer dispute with private truck seller

IANAL, but if I was I might say the seller offered a contract through facebook including the truck and extended warranty for $41,000. OP is arguing the original contract was modified by changing the $41,000 to $39,000 with all other conditions remaining the same. It could be argued the original off...
by rebellovw
Fri Sep 27, 2019 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Extended warranty transfer dispute with private truck seller
Replies: 36
Views: 2068

Re: Extended warranty transfer dispute with private truck seller

My dealer likely knows nothing about my ext warranty as I bought it online through flood ford. Perhaps he did that? Dealer ext warranties are a high priced joke. I agree, the local dealerships' prices on extended warranties are ridiculous. Fortunately, we were able to get our local dealership to ma...
by rebellovw
Fri Sep 27, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: Do you wash berries?
Replies: 83
Views: 6450

Re: Do you wash berries?

I wonder (do not know) what restaurants with salad bars do - pertaining to rinsing/washing spinach, lettuce, greens and berries? As far as salads go - some good restaurants soak the lettuce in water - keeps it nice and hydrated vs dry. At a Max's I worked at - they had a large clean plastic bin - f...
by rebellovw
Fri Sep 27, 2019 12:48 pm
Forum: Personal Consumer Issues
Topic: Do you wash berries?
Replies: 83
Views: 6450

Re: Do you wash berries?

No, I do not wash my blueberries, raspberries, nor blackberries. I don't wash my fresh spinach. I don't wash my carrots. I don't wash snow peas nor snap peas. I don't wash broccoli nor squash. I don't wash my mushrooms. I do wash my apples and rub them pretty thoroughly. I do rinse cherries. Now to...
by rebellovw
Fri Sep 27, 2019 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Extended warranty transfer dispute with private truck seller
Replies: 36
Views: 2068

Re: Extended warranty transfer dispute with private truck seller

That sounds dead on the Ford Warranty offered online through folks like Flood Ford. So far I haven't read that the seller has blatantly said - he didn't buy that warranty. This would be outside the dealer and done through the Ford directly. You might be jumping the gun here. Mine was only 1K for 8 y...
by rebellovw
Fri Sep 27, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: Do you wash berries?
Replies: 83
Views: 6450

Re: Do you wash berries?

I rinse everything. No exceptions- even organic.
by rebellovw
Fri Sep 27, 2019 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Extended warranty transfer dispute with private truck seller
Replies: 36
Views: 2068

Re: Extended warranty transfer dispute with private truck seller

My dealer likely knows nothing about my ext warranty as I bought it online through flood ford. Perhaps he did that? Dealer ext warranties are a high priced joke.
by rebellovw
Mon Sep 16, 2019 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Why does my mom need a home appraisal?
Replies: 26
Views: 2461

Re: Why does my mom need a home appraisal?

jackets320 wrote:
Mon Sep 16, 2019 5:55 pm
Per Intuit since CA is a community property state the entire basis is stepped up to fmv as of date of death of the deceased spouse. Che k with a CPA
Thank you.
by rebellovw
Mon Sep 16, 2019 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Why does my mom need a home appraisal?
Replies: 26
Views: 2461

Re: Why does my mom need a home appraisal?

So the stepped up basis - seems like a win win? Is there any downside to this? Say the house basis under my father was 69K (I'm pretty sure that is what they paid - something under 100K) - and now under my mother is 1.2M - the purpose of the step basis - is so that when the person inheriting the ho...
by rebellovw
Mon Sep 16, 2019 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Why does my mom need a home appraisal?
Replies: 26
Views: 2461

Re: Why does my mom need a home appraisal?

So the stepped up basis - seems like a win win? Is there any downside to this? Say the house basis under my father was 69K (I'm pretty sure that is what they paid - something under 100K) - and now under my mother is 1.2M - the purpose of the step basis - is so that when the person inheriting the ho...
by rebellovw
Mon Sep 16, 2019 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Why does my mom need a home appraisal?
Replies: 26
Views: 2461

Re: Why does my mom need a home appraisal?

So the stepped up basis - seems like a win win? Is there any downside to this? Say the house basis under my father was 69K (I'm pretty sure that is what they paid - something under 100K) - and now under my mother is 1.2M - the purpose of the step basis - is so that when the person inheriting the ho...
by rebellovw
Mon Sep 16, 2019 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Why does my mom need a home appraisal?
Replies: 26
Views: 2461

Re: Why does my mom need a home appraisal?

So the stepped up basis - seems like a win win? Is there any downside to this? Say the house basis under my father was 69K (I'm pretty sure that is what they paid - something under 100K) - and now under my mother is 1.2M - the purpose of the step basis - is so that when the person inheriting the hou...
by rebellovw
Mon Sep 16, 2019 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Why does my mom need a home appraisal?
Replies: 26
Views: 2461

Re: Why does my mom need a home appraisal?

Absent big remodels, under Prop 13, you and your dad's CA property taxes surely increased by the same percentage. Yes - my % was the same has his - but % of 650K - in a few years was 750K - so really no real win for me. My house was worth perhaps 799 at the time. It may help now - that my old house...
by rebellovw
Mon Sep 16, 2019 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Why does my mom need a home appraisal?
Replies: 26
Views: 2461

Re: Why does my mom need a home appraisal?

I had a similar experience helping older relatives in CA. When first spouse passed away, remaining spouse received stepped up cost basis on the joint home. The increased cost basis did not change the CA Proposition 13 tax basis in our case. This stepped up cost basis would reduce taxes if trustees ...
by rebellovw
Mon Sep 16, 2019 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Why does my mom need a home appraisal?
Replies: 26
Views: 2461

Re: Why does my mom need a home appraisal?

Not sure what you mean about prop13 not helping you? Home appraisals are generally for loan purposes. Is it possible your brothers are taking a loan on the house? Reverse mortgages also require an appraisal. The appraisal will have nothing to do with changing title with the county. Yeah -- Prop 13 ...
by rebellovw
Mon Sep 16, 2019 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Why does my mom need a home appraisal?
Replies: 26
Views: 2461

Re: Why does my mom need a home appraisal?

Thanks everyone - very much appreciated. He did have a will when he past - he setup a trust - myself and my two brothers are on it as administrators. I'll try to see what is going on. Thanks. If the three of you are joint administrators of the trust (did you mean trustee?) then the other two should...
by rebellovw
Mon Sep 16, 2019 1:38 pm
Forum: Personal Consumer Issues
Topic: Mustang...GT or Ecoboost?
Replies: 39
Views: 2105

Re: Mustang...GT or Ecoboost?

A car is a big deal - I'd definitely let her pick it out - I wouldn't want to surprise her with a car she didn't pick out. I have the 18 GT and absolutely love it (with the stick - no auto for me) - the interior is awesome - I'm not sure what the above poster is referring to. I have the premium Perf...
by rebellovw
Mon Sep 16, 2019 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Why does my mom need a home appraisal?
Replies: 26
Views: 2461

Re: Why does my mom need a home appraisal?

Thanks everyone - very much appreciated.

He did have a will when he past - he setup a trust - myself and my two brothers are on it as administrators.

I'll try to see what is going on.

Thanks.
by rebellovw
Mon Sep 16, 2019 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Why does my mom need a home appraisal?
Replies: 26
Views: 2461

Why does my mom need a home appraisal?

My brothers are playing dumb here - they sent me an email with a home appraisal for my mom - I asked - what is this about - they said - "something about taxes - transfer of ownership..." My mom and dad were married for over 70 years - they lived only in the SF east bay - they own their house outrigh...
by rebellovw
Thu Sep 12, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants me to sell her my driveway but parking is tight. Detailed analysis help
Replies: 45
Views: 5970

Re: Neighbor wants me to sell her my driveway but parking is tight. Detailed analysis help

In this case the answer is clearly "yeahhhh NO. No no - no no no. Wish I could've helped - sorry."
by rebellovw
Wed Sep 11, 2019 7:30 pm
Forum: Personal Investments
Topic: Short term bond ETF price fluctuation
Replies: 11
Views: 800

Re: Short term bond ETF price fluctuation

Dumb question I've wanted to ask -and seems fitting in this thread: Is the price of the bond ETF/Mutual Fund (ex Total Bond Market) based on what people are willing to pay for it - i.e. like stocks (supply/demand as the OP mentioned)? Or is it simply based on bonds themselves? If the price is based...
by rebellovw
Wed Sep 11, 2019 6:04 pm
Forum: Personal Investments
Topic: Short term bond ETF price fluctuation
Replies: 11
Views: 800

Re: Short term bond ETF price fluctuation

Dumb question I've wanted to ask -and seems fitting in this thread: Is the price of the bond ETF/Mutual Fund (ex Total Bond Market) based on what people are willing to pay for it - i.e. like stocks (supply/demand as the OP mentioned)? Or is it simply based on bonds themselves? If the price is based ...
by rebellovw
Thu Sep 05, 2019 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Some Computer Science Career Advise?
Replies: 56
Views: 5000

Re: Some Computer Science Career Advise?

Skimmed through the OPs long opening. I've been through I think - exactly this situation. Out of college - CS degree - big Software company. Did 3 or so years - then had an offer with more money at a SF bank. At that time you were suppose to hop around to build your repertoire. Anyhow - it became kn...
by rebellovw
Thu Aug 22, 2019 9:42 pm
Forum: Investing - Theory, News & General
Topic: Bond appreciation is impossible without market timing.
Replies: 94
Views: 6009

Re: Bond appreciation is impossible without market timing.

Total Bond Market in my IRA is up YTD a bit over 7% last I looked/from what I recall. How is that not appreciation? I just buy and hold and reinvest dividends.

It has always been at least 2% but I’m just guessing based on what I recall seeing.

What am I missing about this thread?
by rebellovw
Wed Aug 21, 2019 4:07 pm
Forum: Investing - Theory, News & General
Topic: Bond appreciation is impossible without market timing.
Replies: 94
Views: 6009

Re: Bond growth is impossible without market timing.

This is logic-chopping. It's technically accurate as a statement but I don't understand why you are choosing to phrase it in a way that invites misunderstanding. Your holding in a bond fund grows without market timing. Source https://imgur.com/aPgVh3w.png As shown--on what is known as a "growth cha...
by rebellovw
Wed Aug 21, 2019 2:54 pm
Forum: Personal Consumer Issues
Topic: Freeze coffee beans?
Replies: 22
Views: 1383

Re: Freeze coffee beans?

I just bought about a month of freshly roasted beans. Should I freeze half of them or does it not make a difference as long as they’re stored air tight? Air tight and away from light is great. The freezer won’t help and might hurt. The truly obsessed might use inert gas (eg wine saver), but I doubt...
by rebellovw
Wed Aug 21, 2019 12:47 pm
Forum: Personal Investments
Topic: How can I back out a 7K tIra contribution > conversion to ROTH - I shouldn't have done it...
Replies: 8
Views: 802

Re: How can I back out a 7K tIra contribution > conversion to ROTH - I shouldn't have done it...

TropikThunder wrote:
Wed Aug 21, 2019 10:48 am
I’d be interested in whether the CPA gives correct advice given how many times we hear of them not knowing how to do taxes correctly.
Yep - she said we were fine and provided me this:

https://www.investopedia.com/retirement ... ributions/
by rebellovw
Wed Aug 21, 2019 12:41 pm
Forum: Personal Investments
Topic: How can I back out a 7K tIra contribution > conversion to ROTH - I shouldn't have done it...
Replies: 8
Views: 802

Re: How can I back out a 7K tIra contribution > conversion to ROTH - I shouldn't have done it...

I am a bit confused as I used this online calc (https://www.calcxml.com/calculators/ira-calculator?skn=#results) Which posted these results: Summary Table You Non-deductible Traditional IRA Deductible Traditional IRA Roth IRA Are you eligible? No Yes Yes Your Spouse Are you eligible? No Yes Yes Ins...
by rebellovw
Tue Aug 20, 2019 2:03 pm
Forum: Personal Investments
Topic: How can I back out a 7K tIra contribution > conversion to ROTH - I shouldn't have done it...
Replies: 8
Views: 802

Re: How can I back out a 7K tIra contribution > conversion to ROTH - I shouldn't have done it...

Contact the trustee and inquire. Thanks! Anyhow - how does one go about undoing this? Why do you want to undo it? Why not just leave it? Only reason I can see to undo it would be if you need the money immediately. I thought she would have to earn over 7K to be able to contribute that much - but see...
by rebellovw
Tue Aug 20, 2019 1:14 pm
Forum: Personal Investments
Topic: How can I back out a 7K tIra contribution > conversion to ROTH - I shouldn't have done it...
Replies: 8
Views: 802

How can I back out a 7K tIra contribution > conversion to ROTH - I shouldn't have done it...

Hey Folks, I've been contributing 7K to my wife's tIra (0 balance) - and converting that completely to ROTH once it posts - for the last several years. No problem. My wife quit her job end of last year and hasn't worked much at all this year. I wasn't going to do the contribution - but she did find ...
by rebellovw
Tue Aug 20, 2019 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Are there advantages to being married to a teacher?
Replies: 111
Views: 7449

Re: Are there advantages to being married to a teacher?

Not if your wife teaches special ed - that is a rough job to support someone with.
by rebellovw
Tue Aug 20, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 142
Views: 11394

Re: Ponder this, BH's... is Ben & Jerry's worth it?

Ben and Jerry's used to be great - now it is garbage. Really shocked at how bad it went down hill -found it it was bought. A real bummer - Cherry Garcia used to be my favorite. I seriously doubt all this. They still make it in Vermont - where you can visit the plant. It's not like Unilever outsourc...
by rebellovw
Tue Aug 20, 2019 12:13 pm
Forum: Personal Consumer Issues
Topic: New laptop advice
Replies: 39
Views: 2528

Re: New laptop advice

I'd stay away from MacBook - I bought a MacBook Pro 13inch last year (my second one) - I was very happy with it until I found I needed at least 1TB hard drive - at first - not a big deal as SSD is pretty cheap until I found out the damn drives are soldered in and cannot be replaced. That freaked me ...
by rebellovw
Mon Aug 12, 2019 6:22 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 17516

Re: Wellesley 56.05% drop today

Was this an "Office Space" 1/4 cent round off mishap?
by rebellovw
Sun Aug 11, 2019 8:47 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett and Bonds
Replies: 18
Views: 2098

Re: Warren Buffett and Bonds

I’m having a hard time understanding the vitriol against Buffet. As the chairman and CEO of BH, his day job is pretty busy. Although he has a Dalai Lama-esque presence in the American financial markets, why is he held to a different standard than Bill Gates, Jamie Dimon, or Sergei Brin? He is runni...
by rebellovw
Sun Aug 11, 2019 8:27 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett and Bonds
Replies: 18
Views: 2098

Re: Warren Buffett and Bonds

I’m having a hard time understanding the vitriol against Buffet. As the chairman and CEO of BH, his day job is pretty busy. Although he has a Dalai Lama-esque presence in the American financial markets, why is he held to a different standard than Bill Gates, Jamie Dimon, or Sergei Brin? He is runni...