Search found 882 matches

by smackboy1
Thu Jun 22, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 16007

Re: Siblings in disagreement over mom's house.

Update: . . . 3. I spoke to a mediator for close to an hour and the key to all this is getting all 5 of us in the same room to talk. This is going to be really tough. To answer some questions: 1. If there was harmony amongst us there would be no issue with the house. 2. Yes, agree there is always 2...
by smackboy1
Thu Jun 22, 2017 9:49 am
Forum: Investing - Theory, News & General
Topic: Replacing bonds with actively managed real estate
Replies: 19
Views: 1346

Re: Replacing bonds with actively managed real estate

I have an 80/20 allocation, with the bond portion split between FLBAX (long-term) and FSITX (broad quality bond index). I'm considering replacing it with real estate, for the following reasons: - Return on bonds seems dismal. Confirmed opinion from other bogleheads I've read here, and famously Buff...
by smackboy1
Tue Jun 20, 2017 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 16007

Re: Siblings in disagreement over mom's house.

+1 on entering mediation with a mediator with legal expertise in real estate partition situations. A good mediator will be a little bit of: judge, lawyer, therapist, game theorist. If OP's family wants to have the best chance of maintaining any kind of future family harmony, then all parties have to...
by smackboy1
Sun Jun 18, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: BMW X5 2017 - Seeking advice
Replies: 40
Views: 3021

Re: BMW X5 2017 - Seeking advice

Just bought a 2017 X5 xDrive 40e. It is 8 months 14,000 miles old. I detailed my negotiation and purchase experiences on this board: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=199965&p=3074340#p3074340 The internal factory code for the current X5 is F15, of which 2014 was the firs...
by smackboy1
Thu Jun 15, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Just married - start a joint taxable account?
Replies: 18
Views: 1150

Re: Just married - start a joint taxable account?

Wondering if we should start a joint brokerage account, maybe adding $1k/month each into it? Or if I should just set one up in her name to start accumulating for future. Congratulations! :sharebeer Marriage brings lots of changes and stressors. Finances are a huge stressor, so don't make it more di...
by smackboy1
Thu Jun 15, 2017 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Curious to odd estate question
Replies: 88
Views: 4737

Re: Curious to odd estate question

In simplistic terms you simply want to burn the pile of assets that represents your estate so no one benefits from the value of your estate. You do not want to give it charity, the Government or anyone, you want your wealth irradiated. Is there a legal mechanism to do so? Seriously, in order to des...
by smackboy1
Thu Jun 15, 2017 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Curious to odd estate question
Replies: 88
Views: 4737

Re: Curious to odd estate question

chinto wrote:Scenario, you want any assets that remain after you die to essentially vaporize so no one (person, institution, Government, Church, Charity) can benefit from them.


Paging Bernie Madoff, would Bernie Madoff please pick up the white courtesy phone. . .
by smackboy1
Wed Jun 14, 2017 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Please throw darts at my estate plan (probate avoidance)
Replies: 11
Views: 1120

Re: Please throw darts at my estate plan (probate avoidance)

After reading Nolo’s Plan Your Estate book, I’ve decided to rely on a will and payable or transfer on death tools. The book advised avoiding probate as much as possible. This is what I plan to do for us. The intent is he gets all my assets and I get all his assets (we are childless). I would apprec...
by smackboy1
Tue Jun 13, 2017 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Variable Life Insurance as an Investment Vehicle
Replies: 39
Views: 2235

Re: Variable Life Insurance as an Investment Vehicle

I am kind of curious if the product is useful for anyone (other than the salesman)? Is there any situation in which its worthwhile. It is possible, but in order to figure it out you would have to deconstruct the product and run the numbers yourself. The product is in essence 2 parts: life insurance...
by smackboy1
Mon Jun 12, 2017 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Flexibility in trust distributions
Replies: 9
Views: 689

Re: Flexibility in trust distributions

My father-in-law Bob has a boilerplate revocable living trust that says his assets are to be distributed "per stripes". One of Bob's children, Alice, recently died; she has two disabled children receiving SS benefits that they may lose if their assets are too high. (I am not sure of this....
by smackboy1
Fri Jun 09, 2017 7:41 am
Forum: Investing - Theory, News & General
Topic: Allen Roth article on how to get 5% income
Replies: 16
Views: 2658

Re: Allen Roth article on how to get 5% income

The Wizard wrote:Sadly, that article is blocked...
:(


WSJ still grants free access through Facebook https://m.facebook.com/l.php?u=[TYPE IN WSJ URL HERE]

https://m.facebook.com/l.php?u=https:// ... 1492787140
by smackboy1
Tue May 30, 2017 8:24 am
Forum: Personal Finance (Not Investing)
Topic: biz renter skipped out - what are options
Replies: 10
Views: 1995

Re: biz renter skipped out - what are options

So - what exactly can be done at this point against this ex-renter.... who happens to still be in the area, at another building ? - we have issued some kind of letter and summons... not sure, again - info not shared - BUT - is there anything that can be done to warn other "searchers" abou...
by smackboy1
Fri May 26, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: New car doc fees
Replies: 42
Views: 2794

Re: New car doc fees

The model I was looking at had incentives, 4000 for cash, 6000 if financed. I could finance as little as 6000 and still be eligible for the 6000. The rate was 4.9% and I was told after 90 days I could pay off the loan with no prepayment penalties. Seems worth it but I have salesman trust issues. If...
by smackboy1
Fri May 26, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: advice on hvac replacement decision
Replies: 21
Views: 2019

Re: advice on hvac replacement decision

The HVAC contractor proposals should been assembled using a manual J heat load calculation. That will give you the energy needed to heat and cool your house. Take the HVAC proposals and plug them into this calculator along with the manual J data and your utility costs. It will give you an idea of th...
by smackboy1
Fri May 26, 2017 8:49 am
Forum: Personal Finance (Not Investing)
Topic: New car doc fees
Replies: 42
Views: 2794

Re: New car doc fees

Price is cut and dry with an employee discount through son. Dealership sales person said the doc fee was $210 in MI. He said it is mandated by the state and non negotiable because it goes to the state much like sales tax. I googled this and it says the MAXIMUM doc fee allowed in MI for doc fee is $...
by smackboy1
Fri May 26, 2017 7:25 am
Forum: Personal Consumer Issues
Topic: best way to buy tires
Replies: 62
Views: 4935

Re: best way to buy tires

2. Right now, the process i use is basically shop around what i need to the local tire centers (i've been using hankooks but not sure if that's the best brand to use)... sometimes that works (a little), most times not ... it's time consuming and ineffective ... there's got to be a better way 3. Ide...
by smackboy1
Mon May 22, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: Luxury Vinyl: Educate Me
Replies: 15
Views: 2223

Re: Luxury Vinyl: Educate Me

We used LV tile and plank in our kitchen and bathrooms for our recent renovation. We decided against laminate early on because all our locations were wet. LV and laminate are pretty much identical in function with the exception that LV is pretty much impervious to water damage and laminate is not. I...
by smackboy1
Mon May 22, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: Tire Puncture - plug from outside or patch and plug from inside
Replies: 31
Views: 1772

Re: Tire Puncture - plug from outside or patch and plug from inside

My automobile tire has a puncture between the tread probably 1/4" or less (screw). My research tells me that it is better to patch and plug from the inside of the tire and that if done this way - the tire should live out its lifespan. No need for new tires. Take it to a reputable tire shop for...
by smackboy1
Mon May 15, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: mirror or clone my windows 10 HD?
Replies: 10
Views: 784

Re: mirror or clone my windows 10 HD?

I've spent over an hour so far googling on the internet and within the BH site to get some advice on which I want to do. I'm looking for a simple "mirror" or "clone" answer. All the answers seem too detailed for me. I need a KISS answer. I've been postponing installing the W10 C...
by smackboy1
Thu May 04, 2017 8:19 am
Forum: Personal Finance (Not Investing)
Topic: do we have too much disability insurance?
Replies: 11
Views: 1008

Re: do we have too much disability insurance?

Me 34 DW 32 Both physicians. No children. Current income $490k, will be $660k in 2018. Ultimately, it's a personal decision. It might be useful to play out some hypothetical scenarios together - especially the unlikely ones that carry catastrophic consequences. How vulnerable are each of your speci...
by smackboy1
Wed May 03, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: Dual-fuel and multi-zone HVAC?
Replies: 6
Views: 711

Re: Dual-fuel and multi-zone HVAC?

The forum you want to visit is here http://hvac-talk.com/vbb/forum.php We had a Carrier dual fuel Infinity Hybrid Heat 8 zone system installed 6 years ago. We're very happy with the comfort of the system and had no major problems. All the electric dampers are still functioning with no issues. It was...
by smackboy1
Wed May 03, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: using smartphone overseas travel
Replies: 10
Views: 945

Re: using smartphone overseas travel

My wife and I are heading to Europe for 2 weeks, and I need some advice about whether or not to use our cell phones. We use Sprint and both have the iphone5 model. I think the overseas plans seem to be complicated and I'm trying to avoid using them. It's not that complicated but you have to do some...
by smackboy1
Fri Apr 28, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating commercial lease- advice
Replies: 12
Views: 974

Re: Negotiating commercial lease- advice

I do have an agent. He was very well recommended. He was running into issues finding a landlord that would allow my type of business (veterinary). In fact this is only the second space I've actually looked at as my options appear to be fairly limited. The build out cost was an estimate from a contr...
by smackboy1
Thu Apr 27, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Co-trustee B trust rights to asset documentation?
Replies: 6
Views: 452

Re: Co-trustee B trust rights to asset documentation?

If I go the attorney route, it will be the equivalent of nuclear war. I am okay with breaking the family up, but I don't want the lawyers to drag it on and charge fees. Even without knowing all the details and facts, I believe the nuclear war has already begun. Unfortunately, the way the trusts wer...
by smackboy1
Thu Apr 27, 2017 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating commercial lease- advice
Replies: 12
Views: 974

Re: Negotiating commercial lease- advice

Does anyone have experience with commercial lease negotiation? Is it like negotiating when buying a house ? I'm looking to get a break on the price per square foot and a heathy build out allowance. Commercial is nothing like residential. First, you should have an agent representing you. It sounds l...
by smackboy1
Fri Apr 21, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Services
Replies: 62
Views: 4853

Re: Trust Services

We see this time and time again on BH. I think part of it is that, up till very recently, the BH philosophy has been counter to the mainstream so many on the board have adopted an "BH vs. the world" mentality to the point that they attempt to reach out from beyond the grave. There's often ...
by smackboy1
Mon Apr 03, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: Law school-most cost efficient, yet quality, way to get Real Estate law degree?
Replies: 37
Views: 2740

Re: Law school-most cost efficient, yet quality, way to get Real Estate law degree?

I had a rental property and really enjoyed going over the contracts involved. Sales contracts, rental contracts, etc. I love rules and laws. The order of them makes chaos into manageable bits. I would like to help people with contracts and with real estate transactions. Your town is full of lawyers...
by smackboy1
Mon Apr 03, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Google Voice as secondary number: pros & cons
Replies: 19
Views: 2243

Re: Google Voice as secondary number: pros & cons

However they want to change the setup - To save the $10-$12/month the phone company charges for ringmaster - To stop the ringing from the robo survey/political calls. When I turned the ringer off, their main home phone also stops ringing, so that won't work I've researched Google Voice and think it...
by smackboy1
Sun Apr 02, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Second car for larger family - ideas/suggestions?
Replies: 32
Views: 1716

Re: Second car for larger family - ideas/suggestions?

Toyota Highlander w/ 3rd row seats. Available as hybrid too.
by smackboy1
Sun Apr 02, 2017 3:47 pm
Forum: Investing - Theory, News & General
Topic: Some 'hints' about brokered CDs
Replies: 15
Views: 1962

Re: Some 'hints' about brokered CDs

I invest in brokered CDs because at current rates they typically yield more than the equivalent US treasury debt. The risk is the same as US treasury debt because of FDIC insurance up to $250,000.00 per depositor per bank. Sometimes it is not 100% obvious which issuers are considered the same bank f...
by smackboy1
Fri Mar 31, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Sleep Number Bed
Replies: 13
Views: 1722

Re: Sleep Number Bed

Jimmy67 wrote:What percent discount did Sleep Number offer for buying a floor model?


I can't remember, but it wasn't anything huge like a 50% discount or anything close to that. Just haggle as best you can.
by smackboy1
Fri Mar 31, 2017 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Advisor fee
Replies: 15
Views: 1885

Re: Advisor fee

I am looking for a financial advisor who basically uses a diversified index approach. . . What is a reasonable fee for a manager to charge for a portfolio of say 1 or 5 or $10,000,000. I would assume a sliding scale of some sort. I would like to know what is reasonable before pursuing this further....
by smackboy1
Thu Mar 23, 2017 7:20 am
Forum: Personal Consumer Issues
Topic: Kitchen island
Replies: 43
Views: 2520

Re: Kitchen island

Is that enough space for walkway? In this case, what would you recommend the width/depth of island counter top? If you have a similar kitchen size with island, how wide is your walkway? In our kitchen the narrowest point around the island is 36" and the widest 45". Everybody is different ...
by smackboy1
Mon Mar 20, 2017 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Malpractice Asset Protection
Replies: 18
Views: 1327

Re: Malpractice Asset Protection

Relatively new attending physician here. What do you guys all be for asset protection from malpractice suits? Should all my assets be in a trust? I am a hospital employee and our hospital self-insurers. I have purchased an umbrella policy for other protection but I'm not sure if that will be applic...
by smackboy1
Mon Mar 13, 2017 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need small caps?
Replies: 37
Views: 3454

Re: Do I need small caps?

Both accounts are split equally in dollar amounts and invested in the same funds in the same allocations. AA is 60:40 equities to bonds. VTI 45% (Vanguard index funds, US) VXUS 15% (Vanguard total Intl stock) AGG 40% (Ishares Core US aggregate bond) My financial planner said, amongst other things, ...
by smackboy1
Thu Mar 09, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Safest way to encrypt pdf tax documents to send via email?
Replies: 40
Views: 2695

Re: Safest way to encrypt pdf tax documents to send via email?

Working with a new accountant, who is requesting I send my tax documents via email. I can scan and make pdf and then send. Thoughts on how best to secure this transaction? Accountant does not have an upload portal, etc etc. Email seems to be it. Ideas? In my mind any professional in this post Snowd...
by smackboy1
Wed Mar 08, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Any Car experts - Honda Odyssey question
Replies: 22
Views: 1672

Re: Any Car experts - Honda Odyssey question

I bought a new Honda Odyssey a year back and I have kind of driven 4000 miles. The oil change indicator says 50% to go. What an car expert recommends? Should I go ahead and change the oil or go for yearly service even though it is not 5K miles? What does the factory maintenance schedule say? What t...
by smackboy1
Tue Mar 07, 2017 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 139
Views: 6546

Re: What Car Should I Buy My Daughter as a Graduation Present

My daughter is graduating from college in May. . . It will be a used car. . . So, I have no idea what model/year cars to consider for my daughter. I'm totally out of touch with car-buying web sites, services, inspection companies, and so on. Safety is a factor. Her age puts her in a higher demograp...
by smackboy1
Thu Mar 02, 2017 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Ugh, why is buying a new car so painful?
Replies: 64
Views: 7690

Re: Ugh, why is buying a new car so painful?

The plot thickens...Got one email back late yesterday evening. My price quote: MSRP, sales tax, and doc processing fee. . . I fired a quick email stating simply "do better." Well he can't. No wiggle room given the tax credit. So he's off the list. Emailed a few more dealerships including ...
by smackboy1
Tue Feb 28, 2017 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Ugh, why is buying a new car so painful?
Replies: 64
Views: 7690

Re: Ugh, why is buying a new car so painful?

Getting email addresses is easy. All dealership websites have a contact form. Fill out the contact form and the internet sales department will email you back. Get a Google Voice # and give them that as your contact #. Do that for at least 10 dealers. At some point you have to go to the dealership an...
by smackboy1
Tue Feb 28, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: Car windshield wipers - go cheap or better?
Replies: 42
Views: 4289

Re: Car windshield wipers - go cheap or better?

Be careful with Rain-X if you don't like a streaky windshield. I put it on one car and regretted the decision until the day I replaced the windshield. That is one annoying thing about Rain-X. The windshield streaks when the Rain-X wears off. The answer is regular reapplication of Rain-X. If the str...
by smackboy1
Tue Feb 28, 2017 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Ugh, why is buying a new car so painful?
Replies: 64
Views: 7690

Re: Ugh, why is buying a new car so painful?

This is an oldie but a goodie https://www.fatwallet.com/forums/finance/1001920 +1 Here is the thread to consult: https://www.bogleheads.org/forum/viewtopic.php?t=124638 +1 Car buying is a question that comes up weekly here on BH. The simple answer is to email at least 10 or more dealers and get the...
by smackboy1
Tue Feb 28, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: New car or hand down used car to college student?
Replies: 19
Views: 1534

Re: New car or hand down used car to college student?

My college sophomore daughter. . . So my options are: 1. Have the oil pump replaced and have the daughter use the car. 2. Sell the car either to CarMax or private party (I am favoring CarMax as I don't want to deal with potential buyers), then buy either a used car (2012 or later) or a new car for ...
by smackboy1
Fri Feb 24, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: How to help a friendly business with office space?
Replies: 23
Views: 1606

Re: How to help a friendly business with office space?

Is there a good way to help a small business that needs office space but doesn't have its own cash reserves to purchase an office building ~$1million? My wife and I want to help, so assuming we have some influence and access to business decisions (i.e., small partial LLC partner/owner), how can we ...
by smackboy1
Thu Feb 23, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Looking for suggestions for a Wine Cooler
Replies: 28
Views: 1008

Re: Looking for suggestions for a Wine Cooler

I'm remodeling a home and in the process of designing the kitchen, which is rather large (18x16ft). I'm looking at appliances and I'm having trouble selecting an appropriate built-in wine cooler (or chiller). While I'm not a fan of wine coolers (putting alcohol within eyesight encourages you to dri...
by smackboy1
Thu Feb 23, 2017 11:59 am
Forum: Investing - Theory, News & General
Topic: Peer-to-peer lending as an investment?
Replies: 52
Views: 4528

Re: Peer-to-peer lending as an investment?

I'm not familiar with P2P lending as an asset class either. What are it's characteristics and how does it fit into a portfolio? It sounds like the personal debt version of junk bonds: higher expected returns along with higher default risk. What is the correlation compared to high quality fixed incom...
by smackboy1
Thu Feb 23, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: Sleep Number Bed
Replies: 13
Views: 1722

Re: Sleep Number Bed

We've had a king size for 12 years and 2 queens for 3 years. They are really great and we recommend them for the comfort and adjustability. My wife really liked it when she was prego and it was easy to change the settings so she could get comfortable the entire time. Never had any problems with the ...
by smackboy1
Mon Feb 20, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Is there a marriage tax penalty in this situation?
Replies: 10
Views: 1095

Re: Is there a marriage tax penalty in this situation?

A young relative of mine has recently become engaged to be married - with a possible wedding date in late 2017 or early 2018. I want to give hime a "heads up" about whether 2017 or 2018 would be better from an income tax perspective. They each earn in the low to mid $40's , neither owns a...
by smackboy1
Mon Feb 20, 2017 8:45 am
Forum: Personal Consumer Issues
Topic: Car windshield wipers - go cheap or better?
Replies: 42
Views: 4289

Re: Car windshield wipers - go cheap or better?

I don't like to scrimp on essential safety items for our cars. Being able to see clearly in bad weather when visibility and traction is poor is #1. I have had excellent results with Bosch ICON and Rain-X Latitude wiper blades. The key to wiper blade longevity is to wipe the windshield and clean off ...
by smackboy1
Fri Feb 17, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Private home sale (without agents): Where to start with price?
Replies: 34
Views: 2086

Re: Private home sale (without agents): Where to start with price?

I used to work in commercial RE. The thing that has to be acknowledged is that appraisals are little more than educated guesses. It's not science and not even an art. Appraisals are subject to bias and can be manipulated on purpose or subconsciously. The true value of a property is what a willing bu...

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