Search found 204 matches

by Kompass
Tue Oct 27, 2020 2:57 pm
Forum: Personal Consumer Issues
Topic: What medical cards do you need to carry around in your wallet?
Replies: 56
Views: 15115

Re: What medical cards do you need to carry around in your wallet?

This year my medical insurance renewal notice informed me that they will no longer be providing physical cards. Every doctor I’ve seen for the last few years wants me to produce a physical card along with my drivers license before treating me. I wonder how that will work going forward?
by Kompass
Tue Oct 27, 2020 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Last person standing. Estate plan dilema.
Replies: 46
Views: 4393

Re: Last person standing. Estate plan dilema.

I am in the same position and will be very interested in the discussion. Thank you for posting this.
by Kompass
Wed Oct 21, 2020 1:37 pm
Forum: Personal Consumer Issues
Topic: Ideal City to live in?
Replies: 160
Views: 11359

Re: Ideal City to live in?

Pretty much anywhere along the coastal edge of the west coast will tic most of your boxes. All of the metro areas will be expensive with the Bay Area, Seattle and LA being the worst. As someone who lived in Seattle metro for 40 years, Bay Area for 10 years, and recently relocated to San Diego Count...
by Kompass
Wed Oct 21, 2020 1:03 pm
Forum: Personal Consumer Issues
Topic: Ideal City to live in?
Replies: 160
Views: 11359

Re: Ideal City to live in?

Pretty much anywhere along the coastal edge of the west coast will tic most of your boxes. All of the metro areas will be expensive with the Bay Area, Seattle and LA being the worst. As someone who lived in Seattle metro for 40 years, Bay Area for 10 years, and recently relocated to San Diego County...
by Kompass
Tue Oct 20, 2020 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle at fidelity
Replies: 14
Views: 5227

Re: Zelle at fidelity

From zelle site : “ To enroll with the Zelle app, enter your basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account. We do not accept debit cards associated with international deposit accounts or any credit cards.” Doesn’t...
by Kompass
Tue Oct 20, 2020 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle at fidelity
Replies: 14
Views: 5227

Re: Zelle at fidelity

From zelle site : “ To enroll with the Zelle app, enter your basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account. We do not accept debit cards associated with international deposit accounts or any credit cards.” Doesn’t...
by Kompass
Mon Oct 12, 2020 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Putting property in trust for privacy
Replies: 29
Views: 1912

Re: Putting property in trust for privacy

Since I knew this at the time of purchase I had a revocable trust written just for the house and titled it in such a way that did not have my name as any part of it. At the time of the sale the trust was the entity that took possession of the house. I am happy with my decision although I don’t thin...
by Kompass
Mon Oct 12, 2020 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Putting property in trust for privacy
Replies: 29
Views: 1912

Re: Putting property in trust for privacy

I did this a couple of years ago when I bought my current home. Not only did I want personal privacy but I also wanted to protect myself from potential scammers/con artists and websites like “mylife“ that I thought were getting a bit creepy. My demographics are such that I would be an attractive tar...
by Kompass
Fri Sep 11, 2020 11:30 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation-What have you learned about yourself?
Replies: 51
Views: 3599

Re: Asset Allocation-What have you learned about yourself?

Nate79 wrote: Fri Sep 11, 2020 9:59 pm I like big emergency funds and I can not lie.
+1
by Kompass
Thu Sep 03, 2020 8:48 am
Forum: Investing - Theory, News & General
Topic: Long Term Capital Gains
Replies: 11
Views: 1179

Re: Long Term Capital Gains

Your brokerage account will have a list of your tax lots which will have the details you need.
by Kompass
Wed Sep 02, 2020 5:02 pm
Forum: Personal Consumer Issues
Topic: Walmart+ service ($98/year = free delivery w/ $35+ order). Thoughts?
Replies: 122
Views: 8665

Re: Walmart+ service ($98/year = free delivery w/ $35+ order). Thoughts?

I have subscription fatigue, Walmart showed up after the lock.
by Kompass
Tue Sep 01, 2020 7:52 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3011
Views: 1918549

Re: The Three-Fund Portfolio

I’m thinking of moving from three fund to a Vanguard life strategy fund. The expense ratio is .14%. The fund is VASGX which is an 80/20 with 49% US equity, 32 % Int’l equity, 14% US bonds and 6% Int’l bond. I’m not in favor of so much international equity but I like that it gets rebalanced automati...
by Kompass
Tue Aug 25, 2020 6:57 pm
Forum: Personal Investments
Topic: Intermediate bond index versus Total Bond Index
Replies: 34
Views: 3869

Re: Intermediate bond index versus Total Bond Index

Is there a difference in tax efficiency between bond funds vs etfs in taxable accounts?
by Kompass
Mon Aug 24, 2020 8:59 am
Forum: Personal Finance (Not Investing)
Topic: how often do you check your net worth?
Replies: 153
Views: 9841

Re: how often do you check your net worth?

12/31 I run all holdings through Morningstar to check AA and diversification.
by Kompass
Sun Aug 23, 2020 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: how often do you check your net worth?
Replies: 153
Views: 9841

Re: how often do you check your net worth?

Used to do it a couple of time a year. Recently started scraping excess liquidity into Fidelity (vs Vanguard) and now use their "Net Worth" tab in the app to see the growth easily. Every couple of days or so now. I do not include our house in net worth as we currently plan to never move again, so "...
by Kompass
Sun Aug 23, 2020 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs Fido vs Schwab as corporate trustee
Replies: 30
Views: 1697

Re: Vanguard vs Fido vs Schwab as corporate trustee

The problems that I have had with Vanguard specifically have been relating to them missing tax deadlines in regards to DNI annual sweeps which are recommended by my accountant, this resulted in higher taxes for me two out of three years, they apologized and did nothing else. I have had several other...
by Kompass
Sun Aug 23, 2020 8:39 pm
Forum: Personal Consumer Issues
Topic: Does anyone use Ting Internet or mobile?
Replies: 6
Views: 649

Re: Does anyone use Ting Internet or mobile?

Well I spoke to Ting and unfortunately they would only handle my phone. Since most of my cellular use is on my watch or tablet the mobile service will not be useful to me. I did put myself on the list to have a technician come out and assess my home for the fiber Internet. Apparently they’re still f...
by Kompass
Sun Aug 23, 2020 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs Fido vs Schwab as corporate trustee
Replies: 30
Views: 1697

Re: Vanguard vs Fido vs Schwab as corporate trustee

It is important that beneficiaries be able to move the trust Can anyone suggest how this is phrased in the trust? Does the clause have contingencies, such as only allowed under certain circumstances? If an asset protection trust is created due to a beneficiary’s vulnerability, doesn’t allowing them...
by Kompass
Sun Aug 23, 2020 1:24 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 349
Views: 30167

Re: How much you lost/gain since Feb 20,2020 ?

-$2.2m Ouch! :shock: deer in the headlights Nuff said. Thank the powers it’s paper and I have cash. For once procrastinating actually paid off… Update: Now restored to former glory, glad I stayed the course and did nothing. It was certainly an interesting (unrealized) ride. I feel that the next swi...
by Kompass
Sun Aug 23, 2020 11:23 am
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 349
Views: 30167

Re: How much you lost/gain since Feb 20,2020 ?

-$2.2m Ouch! :shock: deer in the headlights Nuff said. Thank the powers it’s paper and I have cash. For once procrastinating actually paid off… Update: Now restored to former glory, glad I stayed the course and did nothing. It was certainly an interesting (unrealized) ride. I feel that the next swi...
by Kompass
Sun Aug 23, 2020 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs Fido vs Schwab as corporate trustee
Replies: 30
Views: 1697

Re: Vanguard vs Fido vs Schwab as corporate trustee

I have a trust in my name being managed by Vanguard, I moved it to them after a year of dismal performance at a regional wealth management firm. You have not stated what sort of person the beneficiary would be but if it is someone disinterested in finance, special needs or similar I would be carefu...
by Kompass
Sat Aug 22, 2020 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs Fido vs Schwab as corporate trustee
Replies: 30
Views: 1697

Re: Vanguard vs Fido vs Schwab as corporate trustee

I have a trust in my name being managed by Vanguard, I moved it to them after a year of dismal performance at a regional wealth management firm. You have not stated what sort of person the beneficiary would be but if it is someone disinterested in finance, special needs or similar I would be careful...
by Kompass
Wed Aug 19, 2020 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Managing finances for elderly parent long-distance
Replies: 33
Views: 1830

Re: Managing finances for elderly parent long-distance

I’ve been doing this for several years now and after initial set up it’s really not too bad. You need to get things in order to set it up properly, you need DPOA for both financial and medical, you need access to her financial accounts so you can figure out who is being paid and how. You are very li...
by Kompass
Wed Aug 19, 2020 11:11 am
Forum: Personal Consumer Issues
Topic: Approach to "News" Consumption
Replies: 82
Views: 4527

Re: Approach to "News" Consumption

In the morning I will glance at the headlines in my Apple newsfeed and occasionally read an article that catches my interest although avoid politics like the plague. I subscribe to and read the digital version of the Economist so that I can get decent coverage of non-USA events. Something I believe ...
by Kompass
Mon Aug 17, 2020 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank Horror Story: Is this right?
Replies: 107
Views: 8139

Re: Ally Bank Horror Story: Is this right?

The Ally rep is incorrect. My mom sometimes picks up stuff for us at Aldi and I pay her back via billpay. She once forgot to cash the check and the money was returned to me after 60 or 90 days and I had to reissue the check. This has happened to me twice at Ally, one for the housekeeper and one for...
by Kompass
Thu Aug 06, 2020 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: What percent of net worth should a persons house be?
Replies: 201
Views: 18768

Re: What percent of net worth should a persons house be?

There are a lot of ways to look at this. For myself, I include the tax assessed value of my paid for home in my general net worth, it represents about 15%. Why would I do this? I look at the usability of the value of my house to be a fairly illiquid portion of FI. If I needed to use some of it I cou...
by Kompass
Thu Aug 06, 2020 10:20 am
Forum: Personal Consumer Issues
Topic: My gym is reopening - are you going back to yours?
Replies: 42
Views: 1863

Re: My gym is reopening - are you going back to yours?

Gyms are closed in my county but last night it was announced the gyms will be able to hold their classes, socially distanced with masks, outdoors in parks and on beaches. It sounds like this might be a reasonable compromise although I am still on the fence about it for myself. Not going indoors anyw...
by Kompass
Wed Aug 05, 2020 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Good (and bad) decisions/tips for home remodel?
Replies: 54
Views: 4679

Re: Good (and bad) decisions/tips for home remodel?

jm1495 wrote: Wed Aug 05, 2020 11:35 am This guy on youtube is very knowledgeable. I'm not affiliated at all. Just impressed.

https://www.youtube.com/user/MattRisinger
+1
by Kompass
Wed Aug 05, 2020 11:30 am
Forum: Personal Consumer Issues
Topic: Oddly Difficult to Find Items During the Pandemic
Replies: 282
Views: 25427

Re: Oddly Difficult to Find Items During the Pandemic

ddurrett896 wrote: Wed Aug 05, 2020 11:25 am Large container of taco seasoning.
Running low but available now salt free taco seasoning 1lb https://smile.amazon.com/gp/product/B00 ... UTF8&psc=1
by Kompass
Wed Aug 05, 2020 10:16 am
Forum: Personal Consumer Issues
Topic: Does anyone use Ting Internet or mobile?
Replies: 6
Views: 649

Does anyone use Ting Internet or mobile?

Ting fiber internet is expanding their footprint nationally and now it is available in my town. I currently use Spectrum cable internet and it is mediocre at best. I am considering upgrading to the fiber and would like input from others that may have experience with fiber optic networks and/or Ting ...
by Kompass
Tue Aug 04, 2020 4:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard "sunsetting" CFP consultations
Replies: 137
Views: 11683

Re: Vanguard "sunsetting" CFP consultations

Another Vanguard service level change most will not be aware of even though several folks here have mentioned it for planning is the Trust Company. The employees that service the trusts are the same people who are in Flagship and general admin. The level of service and expertise available at the tru...
by Kompass
Tue Aug 04, 2020 2:44 pm
Forum: Investing - Theory, News & General
Topic: What happens if you run out of money in retirement?
Replies: 175
Views: 15550

Re: What happens if you run out of money in retirement?

I would hope that I notice that I am in danger of running out long before I actually run out. This ^^^ It probably wouldn't happen all of a sudden. Ideally, you're always keeping an eye on your retirement funds and reassessing the likelihood that they'll last you long enough. If at , let's say, 75,...
by Kompass
Thu Jul 30, 2020 8:29 pm
Forum: Personal Consumer Issues
Topic: Replacing appliances--buy dumb
Replies: 53
Views: 4399

Re: Replacing appliances--buy dumb

There is a nearly-cult like following in the internet for Speed Queen washers and dryers. Evangelists laud then for their basic simplicity and reputation for indestructability. +1 After my experience with a smart washer, thankfully in a rental, I bought Speed Queen and now sing with the choir. :beer
by Kompass
Mon Jul 27, 2020 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: We are planning a lifestyle move to a new city in five years and would like to get your take.
Replies: 30
Views: 3674

Re: We are planning a lifestyle move to a new city in five years and would like to get your take.

I moved to the North County area of San Diego just over a year ago specifically for the lifestyle. I could not be happier and I’m so glad that I made the move. I have lived on the West Coast most of my life but not Southern California. I had for the previous five years lived in Idaho to take care of...
by Kompass
Sat Jul 25, 2020 10:05 am
Forum: Personal Consumer Issues
Topic: Backyard BBQ - easy
Replies: 42
Views: 3821

Re: Backyard BBQ - easy

Do yourself a favor though, don't get the gold model like us. Sure, sounds fancy but the ventilation is much worse due the design. I'm not sure what the platinum design is, but you want the one with a vent in the bottom or you will struggle to keep the coals hot with the lid on. I was just going to...
by Kompass
Tue Jul 21, 2020 1:07 pm
Forum: Personal Investments
Topic: Where is your fixed income invested?
Replies: 71
Views: 5462

Re: Where is your fixed income invested?

67/33 FI is split into rough thirds with:

1/3 Total US & Total Int’l bond funds held in deferred
1/3 Muni funds short, int, and long held in taxable
1/3 Cash held in HY savings = 5 yr expenses
by Kompass
Sat Jun 27, 2020 9:22 am
Forum: Personal Finance (Not Investing)
Topic: How to find a short term rental? (moving)
Replies: 26
Views: 1469

Re: How to find a short term rental? (moving)

You can also try looking for an executive suite or apartment. These are sort of a cross between a regular apartment and an extended stay hotel. They are typically furnished and have some services like housekeeping, Wi-Fi etc. The ones that I saw when I was in a situation similar to yours seemed to t...
by Kompass
Fri Jun 26, 2020 9:18 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 590
Views: 24460

Re: Bird watchers – what birds are you seeing?

I have recently moved to a new-to-me part of the country which is a bird watcher's haven so I am just starting to learn. I live on the edge of a lagoon/nature reserve so get all kinds of birds from migratory song birds to birds of prey to shore birds. It's a lot to start learning in such an environm...
by Kompass
Tue Jun 23, 2020 6:10 pm
Forum: Personal Consumer Issues
Topic: 30" Double-Oven Electric Ranges - input?
Replies: 40
Views: 1499

Re: 30" Double-Oven Electric Ranges - input?

I am in the same boat with needing to refresh my kitchen including appliances. I appreciate everybody’s comments and will be keeping an eye on this thread.
by Kompass
Tue Jun 09, 2020 8:27 pm
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 226
Views: 17414

Re: Gardening 2020

^^^ Are you growing for a local farmer's market? Always look forward to sweet corn showing up in local grocery. A neighbor taught me a lazy way to cook sweet corn is to wrap each shucked ear in a paper towel, wet paper towel, and cook it in a microwave for 3-4 minutes. Sweet. Really. Even slightly ...
by Kompass
Tue Jun 09, 2020 6:23 pm
Forum: Personal Consumer Issues
Topic: Zelle for money transfer
Replies: 44
Views: 2561

Re: Zelle for money transfer

I use Zelle to pay our housekeeper from my Ally checking account. It took a little effort to get her to understand how to set it up on her end (she speaks broken english), but once we got it set up it has been flawless. From the time I press the button to send the payment, she usually tells me that...
by Kompass
Tue Jun 09, 2020 4:47 pm
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 226
Views: 17414

Re: Gardening 2020

^^^ Are you growing for a local farmer's market? Always look forward to sweet corn showing up in local grocery. A neighbor taught me a lazy way to cook sweet corn is to wrap each shucked ear in a paper towel, wet paper towel, and cook it in a microwave for 3-4 minutes. Sweet. Really. Even slightly ...
by Kompass
Sun Apr 19, 2020 4:22 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 139580

Re: Coronavirus (Consumer Issues) How you are preparing?

I have been ordering things that I think I will be wanting about a month out on Amazon now, with the variable shipping times it seems to be working out. However, twice in the last couple of weeks when I was putting together an order I would put some things in my cart then go to check out only to fin...
by Kompass
Tue Apr 14, 2020 11:01 pm
Forum: Personal Consumer Issues
Topic: There seems to be a big market for home fitness equipment
Replies: 24
Views: 1449

Re: There seems to be a big market for home fitness equipment

I have been thinking for a while about getting a concept2 rower based on all the BH recommendations. I decided last week to pull the trigger for working out at home. Apparently, I wasn’t the only one with that idea, when I checked on their website I was offered a spot on the waitlist. All inventory ...
by Kompass
Tue Apr 07, 2020 7:03 pm
Forum: Personal Consumer Issues
Topic: Replacing Cable TV with Streaming: Critical Analysis
Replies: 86
Views: 5761

Re: Replacing Cable TV with Streaming: Critical Analysis

I have a question about YouTube TV or Locast.org. What if I want to watch a ZIP Code that is not my residence? I live in one city but would like to get the local broadcast stations from a neighboring city especially their PBS channel. Is this possible? I'm not sure how it works for various systems ...
by Kompass
Mon Apr 06, 2020 2:50 pm
Forum: Personal Consumer Issues
Topic: Replacing Cable TV with Streaming: Critical Analysis
Replies: 86
Views: 5761

Re: Replacing Cable TV with Streaming: Critical Analysis

I have a question about YouTube TV or Locast.org. What if I want to watch a ZIP Code that is not my residence?

I live in one city but would like to get the local broadcast stations from a neighboring city especially their PBS channel. Is this possible?
by Kompass
Tue Mar 24, 2020 6:37 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 349
Views: 30167

Re: How much you lost/gain since Feb 20,2020 ?

-$2.2m Ouch! :shock: deer in the headlights Nuff said. Thank the powers it’s paper and I have cash. For once procrastinating actually paid off… You mean paper trading account or paper losses as in unrealized losses? Unrealized loss. I am fortunate in that I can wait, it still stings to see the port...
by Kompass
Sun Mar 22, 2020 11:22 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 349
Views: 30167

Re: How much you lost/gain since Feb 20,2020 ?

-$2.2m

Ouch! :shock: deer in the headlights

Nuff said.

Thank the powers it’s paper and I have cash.

For once procrastinating actually paid off…
by Kompass
Sun Mar 15, 2020 10:51 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197858

Re: Bogleheads community discussion - Coronavirus

California bars, nightclubs, wineries, brewpubs. Restaurants must have limited seating, all gatherings over 50 people not related to schools or business. Churches, libraries and amusement venues in San Diego county as well... My Dr sent me and email a few days ago with a link to a video app to use i...
by Kompass
Wed Feb 05, 2020 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: California East Bay, Place to live and commute to Oakland, CA
Replies: 74
Views: 5118

Re: California East Bay, Place to live and commute to Oakland, CA

some of it you’d want to avoid like the plague. Please can you help some of the things to avoid. so I am well prepared. Want to be care on these than what I may get... This is what I mean about get on the ground. The areas to avoid are pretty apparent visually. Example: in Oakland there was a homel...