Search found 248 matches

by iasw
Wed Mar 25, 2020 6:58 pm
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 329
Views: 24535

Re: Are you still going to the grocery store or using a delivery service? Which?

Early morning hours OK, but some planners forgot many seniors don't drive during hours of darkness. Our local Giant set hours for seniors 0630 Am until 0800 (sunrise at 0730) Some planners just load and fire with no assessment of effect. :wink: Are you in some weird time zone? It gets light here ab...
by iasw
Mon Mar 23, 2020 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: What have you learned from this situation that you will take action on?
Replies: 158
Views: 14744

Re: What have you learned from this situation that you will take action on?

I have learned that my "sleep better at night" emergency fund needs to be higher, preferably closer to 12m of expenses. The stock market tanking is one thing, but we're bracing for loss of income, too, and a greater emergency fund would be my preference. I still am comfortable with rebalancing my re...
by iasw
Mon Mar 23, 2020 1:08 pm
Forum: Personal Investments
Topic: Exchanged from taxable to IRA at market high. Taxable! Can salvage tax situation?
Replies: 5
Views: 160

Re: Exchanged from taxable to IRA at market high. Taxable! Can salvage tax situation?

Or I suppose, buy something similar to VTSAX in my taxable, but wouldn't be a wash sale. That's what I should do, yah?
by iasw
Mon Mar 23, 2020 1:03 pm
Forum: Personal Investments
Topic: Exchanged from taxable to IRA at market high. Taxable! Can salvage tax situation?
Replies: 5
Views: 160

Re: Exchanged from taxable to IRA at market high. Taxable! Can salvage tax situation?

I only have VTSAX in my taxable, so I'm not sure how to harvest that.

I have the three-fund portfolio spread across my total accounts though.

I wouldn't buy a bond fund in taxable, would I?
by iasw
Mon Mar 23, 2020 12:57 pm
Forum: Personal Investments
Topic: Exchanged from taxable to IRA at market high. Taxable! Can salvage tax situation?
Replies: 5
Views: 160

Exchanged from taxable to IRA at market high. Taxable! Can salvage tax situation?

Is there any way to salvage the tax hit I'm taking? I maxed out our 2019 and 2020 Roth IRAs at the end of February by exchanging from my taxable account to our IRAs. It was a 1:1 exchange, VTSAX into VTSAX. At the time, VTSAX was up significantly and I had a gain that will be taxable. My taxable acc...
by iasw
Tue Mar 17, 2020 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: $15k in cash - payoff car or max Roth IRA?
Replies: 4
Views: 401

Re: $15k in cash - payoff car or max Roth IRA?

Car for sure. You've made a good case for why.

You can still contribute to your IRAs gradually, so I'd suggest putting the amount of the car payment each month (and I guess a bit extra?) to your Roths.
by iasw
Mon Mar 09, 2020 6:44 pm
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 511
Views: 45739

Re: The Calm Post - Stay the course thread.

I might need to rebalance this week if we see a few more days like today. That's ok. It's good practice for next time. I'm really proud of myself for rebalancing my kids' 529s last summer. It was time because they had birthdays and my plan said it was time to increase their bond holdings. It felt a ...
by iasw
Mon Mar 09, 2020 6:41 pm
Forum: Personal Investments
Topic: Pick apart my portfolio + new lump sum during COVID crash!
Replies: 16
Views: 2174

Re: Pick apart my portfolio + new lump sum during COVID crash!

I've banked with ING Direct way back, then Capital One bought them and I just wasn't a fan of their corporation. Great customer service, great rates, easy to use interface are all important to me so I chose Ally back then. There are other institutions that have a little higher interest rates now. Ch...
by iasw
Mon Mar 09, 2020 1:39 pm
Forum: Personal Investments
Topic: Pick apart my portfolio + new lump sum during COVID crash!
Replies: 16
Views: 2174

Re: Pick apart my portfolio + new lump sum during COVID crash!

Emergency funds: $50k sitting in a bank account earning .05%. Where do you folks keep yours? This is the same account our paychecks get deposited and used to pay off monthly credit cards, write check for tennis and piano lessons, etc. You can do better than .05%. I keep my emergency fund and shorte...
by iasw
Mon Mar 09, 2020 9:19 am
Forum: Personal Investments
Topic: Market down over 6% today
Replies: 56
Views: 6007

Re: Market down over 6% today

Getting in on page 1 as a note to future self: Hi, we're here in some historic times! It's going to be bumpy, but remember that you have an asset allocation that is appropriate for your goals, and you don't need to check your balances often. Keep up with contributions to 401k on payday. In time, you...
by iasw
Fri Feb 28, 2020 6:40 pm
Forum: Personal Investments
Topic: Will recovery be possible?
Replies: 41
Views: 4861

Re: Will recovery be possible?

What! Leave it alone. Do you know that VTSAX also throws out dividends? That's just one way you will recover. It will be fine. $500 is nothing. My losses are in the 5-figures this week...whatever. If it feels really uncomfortable, don't check your balance for awhile (like, months. A year). :sharebeer
by iasw
Fri Feb 28, 2020 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Help Buying First Car for Son
Replies: 11
Views: 730

Re: Help Buying First Car for Son

The year 2012 was a significant year for cars, because several new safety features became common (required? I don't know) across the board. You can look at those features and see if older models have them anyway. It's possible. If you can, I'd prioritize getting something 2012 or newer -- still an 8...
by iasw
Fri Feb 28, 2020 10:36 am
Forum: Personal Investments
Topic: When to rebalance?
Replies: 11
Views: 784

Re: When to rebalance?

Is there some way to automate an account alert when it's time to rebalance? I'd love it if Vanguard could just email me and say, "ok here's your current AA and it is now 5% off of your target" rather than me having to log in to see the damage. Ya know?
by iasw
Thu Feb 27, 2020 1:35 pm
Forum: Personal Investments
Topic: Thinking about (temporarily) moving all *retirement* stock to bonds - please help
Replies: 292
Views: 25250

Re: Thinking about (temporarily) moving all *retirement* stock to bonds - please help

Nobody knows nothin'. But it's becoming clear that you are not comfortable with your asset allocation, and rather go 100% bonds, you should consider an AA that works with your long term goals (changing it according to your investment plan, not according to what the news is saying or what anyone is '...
by iasw
Mon Dec 02, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: Christmas Vacation Idea with 2 yo Toddler?
Replies: 38
Views: 2356

Re: Christmas Vacation Idea with 2 yo Toddler?

Agree with others that 9 hours south is still going to be wintery, though perhaps not as snowy/cold as Detroit. Nine hours is what, Kentucky? Do you want to stay in one spot, or move somewhere new every few days? Indianapolis: Children's Museum, Newfields (art museum), Conner Prairie, Indianapolis Z...
by iasw
Fri Nov 15, 2019 3:16 pm
Forum: Personal Consumer Issues
Topic: Bigger car for baby?
Replies: 62
Views: 3168

Re: Bigger car for baby?

Have you talked with a certified car seat expert? They can look at your installation and make recommendations.

Also the car-seat dot org forum can be helpful.
by iasw
Tue Oct 22, 2019 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 13575

Re: Ok to go without health insurance?

As self employed people, don't forget your premiums should be deductible. So that $16k/year will be less net after you do your taxes.

Another vote for keeping the insurance, and shaking my head at the mess of the health insurance system.
by iasw
Mon Oct 14, 2019 9:44 pm
Forum: Personal Consumer Issues
Topic: When is private (elementary) school worth it?
Replies: 100
Views: 9166

Re: When is private (elementary) school worth it?

Didn't read all the replies. Your kid is probably gifted, and if so, the degree of giftedness he has will determine whether he will be able to thrive in a regular classroom. Having him tutor other students is inappropriate. It does nothing to challenge his mind, and it isn't his role to teach his p...
by iasw
Mon Oct 14, 2019 5:19 pm
Forum: Personal Consumer Issues
Topic: When is private (elementary) school worth it?
Replies: 100
Views: 9166

Re: When is private (elementary) school worth it?

Didn't read all the replies. Your kid is probably gifted, and if so, the degree of giftedness he has will determine whether he will be able to thrive in a regular classroom. Having him tutor other students is inappropriate. It does nothing to challenge his mind, and it isn't his role to teach his p...
by iasw
Mon Oct 14, 2019 12:41 pm
Forum: Personal Consumer Issues
Topic: When is private (elementary) school worth it?
Replies: 100
Views: 9166

Re: When is private (elementary) school worth it?

Didn't read all the replies. Your kid is probably gifted, and if so, the degree of giftedness he has will determine whether he will be able to thrive in a regular classroom. Having him tutor other students is inappropriate. It does nothing to challenge his mind, and it isn't his role to teach his pe...
by iasw
Mon Oct 14, 2019 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: poor Boglehead sending my kids to college
Replies: 69
Views: 6143

Re: poor Boglehead sending my kids to college

Free undergrad tuition, 100 percent that makes sense unless they get a full ride/the equivalent elsewhere. The room and board estimates I don't buy for a second unless you live in an UHCOLA. If that's the case, then by all means they should stay put or pay for alternative housing on their own. Some ...
by iasw
Mon Sep 30, 2019 9:20 pm
Forum: Personal Consumer Issues
Topic: Midtown NYC Hotel w/ Kids?
Replies: 17
Views: 2050

Re: Midtown NYC Hotel w/ Kids?

+1 for Residence Inn for free breakfast.

Subway is ok of course, but just walk as much as you can and do Uber for the rest.
by iasw
Mon Sep 30, 2019 7:56 am
Forum: Personal Consumer Issues
Topic: Midtown NYC Hotel w/ Kids?
Replies: 17
Views: 2050

Re: Midtown NYC Hotel w/ Kids?

How many kids? Two, three, more? H
You should be able to find a room on points for 4 people ok. Five will be trickier, but possible.
by iasw
Wed Sep 25, 2019 8:30 am
Forum: Personal Consumer Issues
Topic: Thought provoking non-fiction for 3rd grader
Replies: 51
Views: 2820

Re: Thought provoking non-fiction for 3rd grader

At this age, encourage him to read whatever he likes. The aim is enjoyment. I'd suggest choosing a book to read aloud to him as well, one that would be good for discussion or simply having a shared experience. Or perhaps on audio when you're driving together. In addition to nonfiction, some historic...
by iasw
Mon Sep 23, 2019 7:08 pm
Forum: Personal Consumer Issues
Topic: Someone stole my wife's phone number (ie. ported to another carrier)
Replies: 57
Views: 7307

Re: Someone stole my wife's phone number (ie. ported to another carrier)

Depending on your usage, Ting might be a good deal.

Outrageous what happened.
by iasw
Fri Sep 13, 2019 12:30 pm
Forum: Personal Consumer Issues
Topic: Home upgrade question
Replies: 19
Views: 2097

Re: Home upgrade question

I wouldn't put Dad in the basement. Maybe he can handle stairs ok today, but what about tomorrow? Is there a room on the main floor he could have, and shuffle that person to the basement?
by iasw
Fri Sep 06, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: First-hand experiences with United Basic Economy for families?
Replies: 180
Views: 8184

Re: First-hand experiences with United Basic Economy for families?

Kids that age need to sit with their parent, full stop. Maybe they can behave themselves, but can you be sure their seatmate isn't a perv? Nope, you can't. $400 is a small peace of mind. And echoing other people to say it isn't the passenger's problem to solve yours. I get it, too, the cost stinks. ...
by iasw
Mon Aug 26, 2019 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Credit card miles or cashback for travel to wedding
Replies: 20
Views: 1309

Re: Credit card miles or cashback for travel to wedding

Between the Sapphire and Altitude, i prefer the altitude. You can shop and buy directly from the airline and get the higher point value for travel with the altitude. Sapphire requires purchasing through their portal where airlines like southwest aren’t available. You just have to call Chase to have...
by iasw
Mon Aug 26, 2019 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Credit card miles or cashback for travel to wedding
Replies: 20
Views: 1309

Re: Credit card miles or cashback for travel to wedding

Oh and JetBlue will still be an option with this Chase trifecta. JetBlue doesn't serve my airport, so I'm less familiar with them, but I've read good things.
by iasw
Mon Aug 26, 2019 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Credit card miles or cashback for travel to wedding
Replies: 20
Views: 1309

Re: Credit card miles or cashback for travel to wedding

My vote then is Southwest. Bags included, usually good fares if you book early. Can rebook if fares go on sale. And you can surely accumulate enough points beforehand, especially if you do two player mode. Do see if you have some food nonstop options, of course. I'd start with the Sapphire Reserve o...
by iasw
Mon Aug 26, 2019 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Credit card miles or cashback for travel to wedding
Replies: 20
Views: 1309

Re: Credit card miles or cashback for travel to wedding

I think it depends on which airlines will likely be available to you. Southwest would be great - - no limit to how many seats available as you can purchase any seat with cash or points. I think JetBlue is also a flexible option. Others... It's harder,but doable. You could do Delta and use a companio...
by iasw
Fri Aug 23, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Short Term Health Insurance/Asset protection - Advice Needed
Replies: 13
Views: 529

Re: Short Term Health Insurance/Asset protection - Advice Needed

How many days will there be between end of work and when you can officially participate in your new plan? COBRA allows you to backdate enrollment up to 60 days. So, youd have 60 days to elect coverage IF you end up needing it. If not, don't pay. If that gets you through the gap, that is probably the...
by iasw
Sun Aug 18, 2019 3:55 pm
Forum: Personal Consumer Issues
Topic: How to read (and retain)?
Replies: 92
Views: 6494

Re: How to read (and retain)?

Use the method of narration, or telling back what you've just read in your own words. It could be a dense paragraph; it could be a chapter. You can do it aloud, mentally, or write it down. This practice helps cement concepts in your mind, because you have to wrestle with the material to recall it, p...
by iasw
Sat Jul 27, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: Plane maintenance - 6.5 hour delay - any recourse?
Replies: 51
Views: 4438

Re: Plane maintenance - 6.5 hour delay - any recourse?

Did you book using a premium credit card? It might have coverages for you, if so. A 2% back MasterCard. I can’t imagine I’d get much or anything back through them. Definitely not $2k-$4k. The airline recommends filing a claim through the airline directly to get the full amount and not through a 3rd...
by iasw
Fri Jul 26, 2019 10:52 pm
Forum: Personal Consumer Issues
Topic: Plane maintenance - 6.5 hour delay - any recourse?
Replies: 51
Views: 4438

Re: Plane maintenance - 6.5 hour delay - any recourse?

Did you book using a premium credit card? It might have coverages for you, if so.
by iasw
Tue Jul 23, 2019 10:41 pm
Forum: Personal Consumer Issues
Topic: Best way to create a Lego Inventory
Replies: 19
Views: 1707

Re: Best way to create a Lego Inventory

If sets are already together, what about photographing the set bag/set number/pic of the set? If you don't have a picture of the completed set, pull a stock photo of it. Put them in a digital photo album or heck, physical one and your kids can see what you've got in a perhaps more meaningful way tha...
by iasw
Tue Jul 23, 2019 2:56 pm
Forum: Personal Consumer Issues
Topic: Medical alert "button"
Replies: 45
Views: 4966

Re: Medical alert "button"

My grandma has LifeAlert and she wears it as a necklace. I had to activate it for her last week, as she fainted and I was able to get to her before she hit the ground. My phone was in the other room, so I pushed the button and the speaker box in the other room was activated. I told the LifeAlert per...
by iasw
Tue Jul 09, 2019 11:49 am
Forum: Personal Consumer Issues
Topic: Ontario in August
Replies: 29
Views: 2003

Re: Ontario in August

Many major rental car companies will allow renting inUS, driving to Canada... But be sure you are crossing back to the US to fly home.

I'd suggest Buffalo over Detroit. Very different driving experience, and you can see Niagara Falls while you're at it.
by iasw
Wed Jun 26, 2019 7:09 pm
Forum: Personal Consumer Issues
Topic: Chase UR vs AmEx MR for economy flights and inflexible schedules?
Replies: 24
Views: 2099

Re: Chase UR vs AmEx MR for economy flights and inflexible schedules?

Don't overlook the Chase Freedom. 5x UR and you can combine them with your Sapphire. Grocery often gets a quarter (up to $1500 in spending). Gas, too. No annual fee.
by iasw
Sat Jun 22, 2019 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Should I refinance my mortgage?
Replies: 17
Views: 2642

Re: Should I refinance my mortgage?

No fee? Sure, do it. How much will that save you over 30 years? Or heck, 5?
by iasw
Fri Jun 21, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon/Death Valley in October
Replies: 17
Views: 1365

Re: Grand Canyon/Death Valley in October

We were in Death Valley in late September one year and it was still very hot (of course). Be up before the sun and that's a little better. Bring lots of water with you from Vegas, will be cheaper. Red Rock Canyon park is just west of Vegas and is scenic. Is your kid a fourth grader? They can do the ...
by iasw
Sun Jun 16, 2019 9:57 pm
Forum: Personal Investments
Topic: 24 Years Old - Need Advice
Replies: 10
Views: 1544

Re: 24 Years Old - Need Advice

Cancel your whole life and put proceeds towards your student loan, and pay the rest off asap. What is your plan for increasing your income? Is there an employer sponsored retirement plan available? If so, contribute to get the full match, and then max out a Roth IRA for 2019 and going forward. You'l...
by iasw
Sun Jun 16, 2019 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to new job and how to sell & buy @ same time
Replies: 6
Views: 765

Re: Relocating to new job and how to sell & buy @ same time

And Skype? To buy a house? Your wife wouldn't be that far away, she should be there in person.
by iasw
Sun Jun 16, 2019 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to new job and how to sell & buy @ same time
Replies: 6
Views: 765

Re: Relocating to new job and how to sell & buy @ same time

Did you accept the job? Do you truly want it? Seems like the hassle might be high for the payout. I like the renting option. You aren't losing current equity. It is valuable to not rush into a housing purchase. Splitting and living separately for a few months is a huge bummer. I'd say no way to that.
by iasw
Tue Jun 11, 2019 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Questions about investing when self-employed but not incorporated
Replies: 7
Views: 648

Re: Questions about investing when self-employed but not incorporated

You still have to report all income and pay taxes, filing quarterly.
by iasw
Mon Jun 10, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: Getting FastPass with regular Disney tickets
Replies: 6
Views: 826

Re: Getting FastPass with regular Disney tickets

Sure, for rides with fastpass as an option, there are kiosks near the ride. You'll scan your park ticket at that kiosk and it will give you a return time. In the return window, you'll scan your park ticket in the fastpass line. This paper ticket is free with your park ticket. I like Disney Tourist B...
by iasw
Mon Jun 10, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: Getting FastPass with regular Disney tickets
Replies: 6
Views: 826

Re: Getting FastPass with regular Disney tickets

Depending on your party, you might split rides and only get Maxpass for a few people. Like if there are people who want to go on coasters and some who will not, or if you want to capture photos, etc. Using fastpasses and having a good strategy can save you a lot of time in line and a bit of walking ...