Search found 120 matches

by bighatnohorse
Thu Dec 13, 2018 10:44 pm
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 231
Views: 17972

Re: What Happened to you during the Financial crisis of 2007–2008

Advice is; diversify, diversify, diversify. What happened? Rentals stayed the same, rental income stayed the same. Alternative investment Reits stayed the same, income stayed the same. Annuities stayed the same 403b/457 stocks and bonds went down (and have now rebounded) Vanguard went down (and has ...
by bighatnohorse
Sat Nov 24, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: Driving a car [in] Italy, any suggestion?
Replies: 56
Views: 5654

Re: Driving a car Italy, any suggestion?

If you want an automatic transmission, double-check your reservation and make sure it is clearly stated. I would actually say that OP shouldn't bother renting a car if he doesn't drive stick. He can make a reservation , but it's no guarantee. Most cars in Europe are stick. That doesn't occur to a l...
by bighatnohorse
Fri Nov 16, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: How high can House prices go
Replies: 67
Views: 8423

Re: How high can House prices go

You're trying to guess the future. What you should do is to make your financial position as bullet-proof as possible. My guess is that you should go with the most affordable option which is the townhouse. But that depends. . .will you be having children in the near future? Or are you retired? Recent...
by bighatnohorse
Thu Nov 15, 2018 12:14 am
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 7227

Re: Are you all staying the course?

The golden opportunity lies in converting traditional IRA to Roth IRA.
by bighatnohorse
Fri Oct 12, 2018 9:19 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8814
Views: 1692925

Re: U.S. stocks in freefall

I just check our annuities. . .no change. . . still kicking out the same old percentage. +1 8-) Do check in again when the market is soaring and tell us more about this percentage!! :sharebeer Its variable based on stock market performance with a value ratchet type mechanism that does not descend w...
by bighatnohorse
Thu Oct 11, 2018 6:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8814
Views: 1692925

Re: U.S. stocks in freefall

I just check our annuities. . .no change. . . still kicking out the same old percentage.
by bighatnohorse
Thu Oct 11, 2018 2:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8814
Views: 1692925

Re: U.S. stocks in freefall

I'm going All IN by converting all of our tIRA's and maybe a 457(b) to Roths.
Next year we have SS, pension and annuities kicking in - presently, this will probably be our lowest tax bracket for the foreseeable future...
by bighatnohorse
Thu Oct 11, 2018 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Lump sum vs pension
Replies: 14
Views: 1535

Re: Lump sum vs pension

If I do the math, my pension is paying a rate of 5.75% of my lump sum. I know there are many other factors to consider when making my choice, but am I crazy to think I could invest a lump sum and withdraw at a rate of 5.75%? Thanks in advance for your assistance. Given where interest rates are now,...
by bighatnohorse
Sat Oct 06, 2018 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: 1031 exchange duplex to SFR, rent it 2yrs, then move in?
Replies: 2
Views: 407

1031 exchange duplex to SFR, rent it 2yrs, then move in?

Is this plan likely to be good, bad or ugly? I have an almost fully depreciated rental duplex that I'd like to 1031 exchange to a single family residence. I will rent out the residence to a tenant for two years. During that time I will sell my primary residence and at the end of two years move into ...
by bighatnohorse
Mon Oct 01, 2018 10:30 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Understanding The Financial Crisis
Replies: 4
Views: 683

Re: Larry Swedroe: Understanding The Financial Crisis

Looking at the causes of the crisis, I can’t help but think that no one ever blames the individual who bit off more than he could chew when he bought that house. An individual’s self approval of a loan should be way more critical than the bank’s approval. Dave This is true. "Affordable" meant every...
by bighatnohorse
Sun Sep 30, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: What should you do if you have to use Facebook?
Replies: 22
Views: 2548

Re: What should you do if you have to use Facebook?

RickBoglehead wrote:
Sun Sep 30, 2018 8:15 am
I just got wished Happy Birthday by FB. Not my birthday...
That's rule number one.
Never provide your real birthday date (it's a common identifier).
by bighatnohorse
Fri Sep 28, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: How to sell a 60-percent ownership share in an inherited 4-plex rental unit
Replies: 9
Views: 1226

How to sell a 60-percent ownership share in an inherited 4-plex rental unit

A close relative inherited a 60-percent share in a 4-plex rental building along with her niece who owns the lesser 40-percent. The older owner is a competent individual but doesn't want the landlord responsibilities. The younger niece is not experienced, not people friendly and has proven not suitab...
by bighatnohorse
Mon Sep 24, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Slip on loafer shoes for working guy?
Replies: 8
Views: 1324

Re: Slip on loafer shoes for working guy?

Okay, thanks. I'll check Walmart and Cabela's. How a shoe "feels" is a real personal thing and I hate shoe shopping because it's so time consuming. My favorite slip-on work shoe has been seasonally offered at Costco for $10.00 and is a Weatherproof Vintage 1948. It's an easy off, easy on shoe, fairl...
by bighatnohorse
Sun Sep 23, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Slip on loafer shoes for working guy?
Replies: 8
Views: 1324

Slip on loafer shoes for working guy?

I'm looking for a slip-on shoe that is comfortable and can get wet. I'm constantly getting my shoes wet, taking them off before going in the house, slipping them back on when going outside again. And I like to wear them when going places (not fancy places). I tend to be hard on clothes and shoes - a...
by bighatnohorse
Sat Sep 22, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: True cost of a [dental] implant
Replies: 71
Views: 11456

Re: True cost of a [dental] implant

Part 1) The Sinus lift, bone graft and implant post was about $5,000 in the US
Part 2) The abutment (crown) was $500. in Mexico.

The local mouth practitioner wanted to sell me implants over the last few years, but instead I went to Mexico and had successful crowns, approximately $500. each.
by bighatnohorse
Fri Sep 21, 2018 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Living trusts and relabeling accounts
Replies: 33
Views: 2533

Re: Living trusts and relabeling accounts

Yes, real estate has to be re-titled with the trust name ie; Smith Family Trust, John and Jane Doe Family Trust, etc. You will have to file a Quit Claim Deed to the Family Trust name with the assessor's office. ... Why a quit claim deed? Sorry, it's been nearly a decade since I did this last and I ...
by bighatnohorse
Thu Sep 20, 2018 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Living trusts and relabeling accounts
Replies: 33
Views: 2533

Re: Living trusts and relabeling accounts

Yes, real estate has to be re-titled with the trust name ie; Smith Family Trust, John and Jane Doe Family Trust, etc. You will have to file a Quit Claim Deed to the Family Trust name with the assessor's office. Your attorney should have given you a document titled "Certificate of Trust" or similar p...
by bighatnohorse
Thu Sep 20, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Stereo receiver amp without aux plug or bluetooth ?
Replies: 23
Views: 1723

Re: Stereo receiver amp without aux plug or bluetooth ?

Follow up: Chromecast did not work. Chromecast requires a Wifi network. Actually, the app that is required to be installed on the phone called the "setup" procedure requires a Wifi network. And IF your phone is your Wifi network, such as it is used as a hotspot, and the "setup" app wants to use the ...
by bighatnohorse
Wed Sep 19, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Recommendations for traveler's Insurance for 65 years+
Replies: 13
Views: 1012

Re: Recommendations for traveler's Insurance for 65 years+

Check here and study the Plan Details for a better idea of what is available and the cost: https://www.generalitravelinsurance.com/ I've used them - needed them for trip cancellation - and they paid promptly. In fact, trip cancellation was a requirement of the place we visited in Patagonia due to it...
by bighatnohorse
Mon Sep 17, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: Stereo receiver amp without aux plug or bluetooth ?
Replies: 23
Views: 1723

Re: Stereo receiver amp without aux plug or bluetooth ?

I use Chromecast and steam Pandora on my Yamaha receiver. Without Chromecast, I can stream Pandora through the Samsung DVD player. The DVD player has several apps built in such as YouTube, Netflix, Amazon Prime, Hulu and about 10 other video streams. But no way to receive anything not built into th...
by bighatnohorse
Fri Sep 14, 2018 10:01 pm
Forum: Personal Consumer Issues
Topic: Stereo receiver amp without aux plug or bluetooth ?
Replies: 23
Views: 1723

Re: Stereo receiver amp without aux plug or bluetooth ?

The Chromecast with optical cable - this looks good. Both audio inputs are currently occupied and the optical input is available.
I like wireless and the Chromecast method should work - exactly what I was hoping for.
Thank you all very much.
by bighatnohorse
Fri Sep 14, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: Stereo receiver amp without aux plug or bluetooth ?
Replies: 23
Views: 1723

Re: Stereo receiver amp without aux plug or bluetooth ?

Thanks - and yes multiple hdmi "INPUTS" not outlets are on the receiver/amp.
And it appears that there is an option to use an RCA audio input.
So. . .an adapter is it? I can go with that and will start searching.
Its a Yamaha RX-V371
by bighatnohorse
Fri Sep 14, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Stereo receiver amp without aux plug or bluetooth ?
Replies: 23
Views: 1723

Stereo receiver amp without aux plug or bluetooth ?

My old receiver/amp has multiple HDMI outlets Inputs but no standard AUX outlet input. It has no bluetooth or WiFi capability. I want to stream music from my smartphone through the amp. The phone has a standard AUX outlet - but the amp has not. Any ideas what it would take to make music go from the ...
by bighatnohorse
Thu Sep 13, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Roth conversions when we will be in 22% bracket for indefinite future
Replies: 16
Views: 1897

Re: Roth conversions when we will be in 22% bracket for indefinite future

A BIG charitable donation, such as highly appreciated real estate, to a Charitable Remainder Trust can provide you with a hefty deduction. One can then time the IRA recharacterization with the donation deduction - there are multiple benefits if that is available to you and properly structured.
by bighatnohorse
Fri Aug 31, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Looking for a good Moving Company. All have awful reviews.
Replies: 21
Views: 1021

Re: Looking for a good Moving Company. All have awful reviews.

I used to be "the guy" that the moving companies would contract with to go inspect and repair the insured damaged goods. The moving company business is peak and valley. In the summer months they are working flat out and will hire extra help from anywhere. The result is that some companies have more ...
by bighatnohorse
Mon Aug 27, 2018 11:59 pm
Forum: Personal Consumer Issues
Topic: Best ultra thin pocket knife?
Replies: 54
Views: 3642

Re: Best ultra thin pocket knife?

Wow! I've learned a lot here. Given my cheapness and tendency to boglehead everything, (boglehead is now a verb) I will probably just stick with my usual brand of Victorinox pocket knife. Except that I my purchase replacements will be a little more frequently given their low comparative cost. And fo...
by bighatnohorse
Mon Aug 27, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: Best ultra thin pocket knife?
Replies: 54
Views: 3642

Re: Best ultra thin pocket knife?

I use the Victorinx Excelsior Red for opening the many Amazon boxes that are delivered weekly at our house. And the small blade as an envelope opener. Sometimes I use the long blade to break down big corrugated boxes for the recycle bin. However, that seems to dull the razor sharp blade fairly quick...
by bighatnohorse
Sun Aug 26, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Best ultra thin pocket knife?
Replies: 54
Views: 3642

Best ultra thin pocket knife?

Do you have a recommendation for a small ultra thin pocket knife?
I've been using a very small two-blade Swiss army knife. Their steel is soft, easily takes a new edge, but wears out quickly.
Time for a new knife. . .
by bighatnohorse
Sat Aug 25, 2018 12:57 pm
Forum: Investing - Theory, News & General
Topic: Investment Podcasts
Replies: 5
Views: 595

Re: Investment Podcasts

Planet Money
by bighatnohorse
Wed Aug 22, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: Alan Watts
Replies: 3
Views: 751

Re: Alan Watts

He was radio broadcast ("live" i believe) in the 70's on KPPC radio in Pasadena. His talks were fascinating and stimulate alternate thinking paths.
Are you listening to him now? Tapes?
by bighatnohorse
Tue Aug 21, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding Rental Depreciation
Replies: 9
Views: 524

Re: Understanding Rental Depreciation

TurboTax should be keeping track of the depreciation (if you properly entered the rental income into TurboTax). If you do a test account with TT and enter a sale of the property (as if you sold the property), then TurboTax will show you the amount of depreciation as it guides you down a different co...
by bighatnohorse
Tue Jul 31, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 181
Views: 10751

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

.
The topic was covered by NBC News: Evaluating Risk: Do Travelers Need Medical Evacuation Insurance?

In past research regarding med evac I've read that when a medical assistant is required on an evac flight the starting cost is approximately $40k to $50K.
by bighatnohorse
Tue Jul 31, 2018 8:34 pm
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 181
Views: 10751

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Use one of the review forums for comparisons of travel insurance outfits. We use Generali and have used the company before them that they took over. You get trip interruption insurance along with evacuation insurance whereas with MedJet you only get evacuation. Read the policy offering carefully. We...
by bighatnohorse
Fri Jul 13, 2018 12:27 am
Forum: Investing - Theory, News & General
Topic: Real Estate Investment: Yay or Nay?
Replies: 27
Views: 2323

Re: Real Estate Investment: Yay or Nay?

One months rent should cover the property taxes.
Your deal is a loser.
by bighatnohorse
Sat Jul 07, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: Experience with Generac or Champion generators
Replies: 9
Views: 651

Re: Experience with Generac or Champion generators

I had a Generac. It was extremely and obnoxiously loud but ran good. I sold it and will replace it with either a Honda or a Champion or possibly a Yamaha. Look for the db rating (loudness) - I found the Champion listed at 58 db which is very good. Generac doesn't list their db level (and for good re...
by bighatnohorse
Thu Jun 21, 2018 8:26 am
Forum: Investing - Theory, News & General
Topic: Do you invest in Real Estate ? Why ?
Replies: 75
Views: 10012

Re: Do you invest in Real Estate ? Why ?

Rents are pretty stable. When the stock market twists and turns, the rents keep coming in. It's a good diversification tool whether you own and manage or own through a reit vehicle.
by bighatnohorse
Thu Jun 21, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 85
Views: 6795

Re: Surprise - Costco sells - but does not install vehicle batteries

Not all batteries are easy to remove - some are very difficult and require the use of a battery puller. My Jeep Rubicon is one of those vehicles - and the battery was not available at Costco. Autozone had the Jeep battery and the counter guy came out and did the install - free - and virtually no wai...
by bighatnohorse
Wed Jun 20, 2018 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Charitable Remainder Trust and Rentals
Replies: 4
Views: 376

Re: Charitable Remainder Trust and Rentals

A typical rental sale would be subject to: cap gains depreciation recapture sales commission A Charitable Remainder Trust held rental sale would only be subject to: sales commission As I understand it, the sales proceeds could then be used to provide a percentage to me as ordinary income. Assuming t...
by bighatnohorse
Tue Jun 19, 2018 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Charitable Remainder Trust and Rentals
Replies: 4
Views: 376

Charitable Remainder Trust and Rentals

I would like to sell a rental duplex that I've owned since about 1998 and keep as much money from that sale working for me. My thought is to put it into a charitable remainder trust. After in trust, I would sell it and invest the cash to help fund my retirement. I need helpful ideas and information ...
by bighatnohorse
Mon Jun 04, 2018 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 276
Views: 15481

Re: Can a Retired 60 yo MD, MBA Start a Law Career?

How much good can one accomplish? In what period of time? Is it a passion, something that you would forever regret if you don't do it? If its a burning desire to pursue that goal - then do it. If its a calculated game with the goal a byproduct of the the ego, then step aside and let a younger person...
by bighatnohorse
Wed May 16, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Why this problem never gets fixed [Inflated medical product prices]
Replies: 33
Views: 2631

Re: Why this problem never gets fixed

I do buy in Mexico. I've saved thousands in dental (both a dentist and oral surgeon). Wife sees a dermatologist. We have no pressing needs at the moment but have included a cross-border trip in our plans for next winter.
by bighatnohorse
Sun Apr 15, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: Spain in May end
Replies: 32
Views: 2246

Re: Spain in May end

Rhonda and the white villages is a good suggestion. There are acres and acres of sunflower farms in that area and they are in bloom near the end of May. It's a very rewarding drive. You don't need an international driving permit. I got one and never needed it - ever - I rented a car in Madrid, drove...
by bighatnohorse
Sun Apr 08, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: Cost of Dental Implant
Replies: 81
Views: 10053

Re: Cost of Dental Implant

I responded to an TV ad by a company called "Clear Choice" for a free evaluation for implants (they do 4 on one, etc). They were very professional and the results were that they did not recommend the 4 on one for me as my mouth was too healthy. Cost was appropriate to Bogleheads. ($zero$) You might ...
by bighatnohorse
Wed Mar 28, 2018 1:59 pm
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 23645

Re: A lot of heavy hitters this morning

No matter what your position, if you are on this board, you are probably in the 1% of Americans. Comparison is the thief of joy I hear, but there is always someone who has more, and there are definitely a lot of folks who have a lot less. Be grateful, work hard, and invest early and often. So true!...
by bighatnohorse
Wed Mar 28, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: How Do You Value Your Home for Net Worth Purposes?
Replies: 150
Views: 11500

Re: How Do You Value Your Home for Net Worth Purposes?

How do you all treat the value of your home? How do you get an estimate for what your home is actually worth while also taking into account the transaction fees if it was sold? Do you even include your home as a part of your net worth? 1) The "value" of my home is what it can do for me. It's "worth...
by bighatnohorse
Mon Mar 26, 2018 2:19 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 14333

Re: Two- Factor Authentication at Vanguard - Update

For a little slack time fun: https://howsecureismypassword.net/
Its a site (among others) that purport to test passwords.
Try this one: 4dogs2cats9birds
by bighatnohorse
Sat Mar 24, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 28693

Re: Anyone Deleting Facebook?

No. Facebook is an amazing tool. Share photos and videos, plan events, messaging service, market place. I see this mostly as paranoia, politics. Agreed. Now, can you explain how one can make long distance and international phone calls via facebook? (I know it can be done, but i have not reached tha...
by bighatnohorse
Fri Mar 23, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Coffee maker recommendations
Replies: 41
Views: 3331

Re: Coffee maker recommendations

Think: Appliance Timer It's nice to wake to the smell of fresh coffee. Just remember to set up the coffee maker the night before. Example: https://www.amazon.com/Century-Heavy-Digital-Programmable-Timer/dp/B00MVF16JG/ref=sr_1_3?ie=UTF8&qid=1521825411&sr=8-3&keywords=appliance+timer&dpID=41hR0%252B04...
by bighatnohorse
Tue Mar 20, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: Is a Model Release normal for wedding videography?
Replies: 28
Views: 2632

Re: Is a Model Release normal for wedding videography?

Yes. Its normal. And it can be a negotiating point.
If the shop offered to do the work for free, would you then object to the release?
It's just boilerplate. Ask them if they mind if you strike it, then respond appropriately.
by bighatnohorse
Sun Mar 11, 2018 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Take MY RMD Now Or Wait Until Later In The Year?
Replies: 20
Views: 1991

Re: Should I Take MY RMD Now Or Wait Until Later In The Year?

End of year because it's in a mutual fund based variable annuity that can ratchet up with the market but not down.
Thus, the answer to your question may be "case specific".