Search found 101 matches

by MarvinK
Sun Sep 02, 2018 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Percentages Question
Replies: 11
Views: 945

Re: TSP Percentages Question

In L Income, 20% is stocks= S, C, I.
40% in L Income: 80% is bonds, 20% is stocks
Your total allocation is closer about 70/30
by MarvinK
Fri Jun 01, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: Instant pot pressure cooker
Replies: 50
Views: 6790

Re: Instant pot pressure cooker

I have 2: the 6 qt and 3 qt. I use the 6 qt all the time. The 8 qt would be too large for my storage and household needs. Easy one pot cleanup. What I have cooked in it: Beef and Broccoli, steamed salmon, mushroom risotto, many different stews, favorite is moroccan lamb, and even a couple of cheesec...
by MarvinK
Sun Apr 01, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: What age is the best to give a child control of an inheritance?
Replies: 192
Views: 13566

Re: What age is the best to give a child control of an inheritance?

Gasdoc, I agree with Klangfool above that more amounts in the years ahead give her more 'practice' with the money, getting used to taxable/tax-deferred, etc. First part of money When she is 40 or less, expect that a large part of the money will likely go to a downpayment on a house/condo, housing lo...
by MarvinK
Mon Mar 26, 2018 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable Account Advice
Replies: 4
Views: 1242

Re: Taxable Account Advice

Company matches 10% dollar for dollar Wow! That's fantastic. I have one item to consider: 529 education accounts for the kids: http://529.morningstar.com/state-map.action There are other posting on these forums that discuss merits of different states plans; and the tax benefits. Most of the plans h...
by MarvinK
Mon Mar 26, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Best state for ABLE plan?
Replies: 11
Views: 943

Re: Best state for ABLE plan?

Welcome frcabot! I'm glad that frcabot and other Bogleheads are posting and replying. When I researched a few ABLEs for my cousin, I was also surprised at how relatively high the expense ratios are. I can only hope there will be a sit-in or wheel-in to bring awareness to the big difference in ER bet...
by MarvinK
Sat Mar 24, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: Berlin - how many days and where to stay?
Replies: 33
Views: 2275

Re: Berlin - how many days and where to stay?

I've been to Berlin several times, all the info above is great.

The Circus Hostel/Hotel/Apts
https://www.circus-berlin.de/
by MarvinK
Tue Mar 20, 2018 10:03 pm
Forum: Personal Consumer Issues
Topic: SE Washington DC job - where to live?
Replies: 55
Views: 3727

Re: SE Washington DC job - where to live?

Most people are happy when they choose their commute. Her future location probably has one of the easiest commutes/locations because she don't have to drive into downtown DC. Look at a couple of places within her budget (which include parking). The neighborhoods in Maryland, Virginia and DC are so d...
by MarvinK
Tue Feb 20, 2018 11:34 pm
Forum: Personal Consumer Issues
Topic: Transition from house to apartment
Replies: 28
Views: 3050

Re: Transition from house to apartment

Thank you for all the great responses and tips on apartment living. It has been many years since we lived in an apartment and loved all the space in our first house with our new baby. It is reverse now and our needs are different. But I still worry if we will regret moving from house to apartment. ...
by MarvinK
Tue Feb 20, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: $12,000 Refrigerator? [Looking in $7k price range]
Replies: 71
Views: 9096

Re: $12,000 Refrigerator? [Looking in $7k price range]

I have a Liebherr in my kitchen (30" counterdepth). New they are $2.5 - 3k-ish. It has two compressors and an electronic controller. Very quiet. Spacious. Quality glass shelves and solid door handles. I bought mine used for $600 about 5 years ago. If this one ever dies, I would basically get a newer...
by MarvinK
Tue Feb 06, 2018 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: First year bogleheader Portfolio checkup
Replies: 8
Views: 993

Re: First year bogleheader Portfolio checkup

You have hit all the basics, so I'll add two extras: -If you plan to stay in Illinois, the Education 529 plans are very competitive; take the tax deduction only if you plan to keep residence there. Can usually be done through a payroll deduction, automatic. Can transfer the beneficiary to a child o...
by MarvinK
Mon Feb 05, 2018 11:49 pm
Forum: Personal Consumer Issues
Topic: Vacation options for wide age-range of children?
Replies: 27
Views: 2015

Re: Vacation options for wide age-range of children?

Have you looked into YMCA of the Rockies? Estes Park / Snow Mountain Ranch. We had 3 reunions there with a wide variety of ages (think 50 ppl) Cafeteria and many activities were walkable. A few activities we had to drive to (horseback riding) Most cabins have kitchens too, for the meals/favorite sna...
by MarvinK
Mon Feb 05, 2018 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: First year bogleheader Portfolio checkup
Replies: 8
Views: 993

Re: First year bogleheader Portfolio checkup

You have hit all the basics, so I'll add two extras: -If you plan to stay in Illinois, the Education 529 plans are very competitive; take the tax deduction only if you plan to keep residence there. Can usually be done through a payroll deduction, automatic. Can transfer the beneficiary to a child on...
by MarvinK
Mon Feb 05, 2018 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Where would you tell a 12 year old to park his money
Replies: 32
Views: 2186

Re: Where would you tell a 12 year old to park his money

VT and VTEB Goals discussion; what is your son saving for. I'm a big fan of skin in the game for college. Like putting some money in his 529 (or a separate small one that he manages). Maybe he can buy his own laptop? The discussion of taxes. He has stock in companies, and he's not likely to sell now...
by MarvinK
Wed Jan 31, 2018 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Finding a preparer for complex tax returns and consultation
Replies: 7
Views: 842

Re: Finding a preparer for complex tax returns and consultation

I'd recommend looking for a CPA who has experience with trusts/estates. Typically they have to look at all kinds of different investments and deal with the detail. I have a very simple tax return, but my CPA handles the difficult, detailed returns (and he seems to enjoy those challenges). He also an...
by MarvinK
Mon Jan 22, 2018 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 95
Views: 9127

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

International travel purchases and needs Cash is still king. Not really. Well then I guess your experience, Sr Grumpy is yours. My experiences are below. I traveled for three weeks in Sweden. Modern, all credit card, right. Nope. My c. card is no fees for international purchases, and preferred for ...
by MarvinK
Mon Jan 22, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: Is a minivan the only commuter vehicle / backup with 3 children?
Replies: 40
Views: 3007

Re: Is a minivan the only commuter vehicle / backup with 3 children?

2nd Subaru Outback

A friend of mine got a Ford Flex which is a neat option. Twins and a four year old when they bought it.
by MarvinK
Sun Jan 14, 2018 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Unwinding Stocks - Where to Start?
Replies: 21
Views: 1670

Re: Unwinding Stocks - Where to Start?

I would sell 50%/50% of the following and call it done for this year. CG $22,500 AAPL CG $22,500 MSFT They are two of the larger positions in this stock portfolio. If you also own an equity index fund, it is likely heavy in these 2 stocks already. As a stock investor you are paying an expense ratio ...
by MarvinK
Fri Jan 05, 2018 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Buying funds ..minimums
Replies: 8
Views: 678

Re: Buying funds ..minimums

VT Vanguard total world stock is $76.xx today. (For an equity position) BND Vanguard total bond market is $81.xx today (One bond option) 5 shares VT + 1 share BND = $461-$462 (You can have a discussion about asset allocation, or balance it however you choose) VT and BND are ETFs as share classes of ...
by MarvinK
Mon Jan 01, 2018 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Help my 7 year old daughter invest $50 of her Christmas money
Replies: 30
Views: 2720

Re: Help my 7 year old daughter invest $50 of her Christmas money

I was going to say a 529, but that's out...so... something for girls I would steer her towards something a little volatile; It gives her something to watch on a ticker. Watching a mutual fund gain $.01 - $0.10 is pretty boring for a 7 year old. And the biggest lesson hopefully is that she could lose...
by MarvinK
Mon Jan 01, 2018 12:05 am
Forum: Personal Consumer Issues
Topic: Long Term House—Any Regrets on things you didn’t do?
Replies: 48
Views: 6717

Re: Long Term House—Any Regrets on things you didn’t do?

I did a major renovation of my house 5 years ago. Overall, invest in the quality items / areas that fit your life. Other items can be prioritized, delayed, etc. Electrical: Successes: I didn't pay extra for LED lights, good thing because it was inexpensive to replace the bulbs for LED on my own. I h...
by MarvinK
Tue Dec 26, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: Where to buy Christmas CDs and decor after Christmas?
Replies: 14
Views: 1600

Re: Where to buy Christmas CDs and decor after Christmas?

Decor: I have found that Williams Sonoma, both in the store and online have quality items at discount.
Always the day after each holiday! Day after Christmas-today! Right now.
by MarvinK
Wed Dec 20, 2017 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Portofolio Advice for wildly unbalanced portfolio 97/3
Replies: 25
Views: 2218

Re: Portofolio Advice for wildly unbalanced portfolio 97/3

One additional thought is to start an education account for your child. The link to California's 529 plan is below. Other states have good offerings too, which others on the forums have reviewed. Although there's no state income tax break, the money can grow and be withdrawn (qualified) tax free. ht...
by MarvinK
Wed Dec 20, 2017 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: How many 529 accounts?
Replies: 9
Views: 1141

Re: How many 529 accounts?

I have three nieces and nephew (siblings) in Florida who I researched accounts for. The kids are currently toddler to grade school. Discussion in the family was one shared account or separate. Ultimately we decided to set up three accounts. Sense of ownership and skin in the game when they get older...
by MarvinK
Wed Dec 20, 2017 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Advice needed: Moved from GA to CA. What do I do about 529s?
Replies: 2
Views: 283

Re: Advice needed: Moved from GA to CA. What do I do about 529s?

My $.02
Leave GA where it is.

CA plan has a matching grant program starting January 1st (with caveats)
http://mgp.scholarshare.com/

I've used the CA plan as an out-of-stater for more than 3 years, I really like the low fees on the Equity, Intl and Bond funds.
by MarvinK
Mon Dec 18, 2017 11:17 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 103
Views: 12934

Re: Any Instant Pot users here?

I have been thinking of purchasing an Instant Pot for a few different reasons. Mostly ease of use/cleanup and time saving qualities. BUT, I can't quite pull the trigger and was hoping Bogleheads could help me out. Namely two questions: 1)how does the majority of food turn out? The low price has me ...
by MarvinK
Mon Dec 18, 2017 11:03 pm
Forum: Personal Consumer Issues
Topic: Lunch Ideas
Replies: 44
Views: 4935

Re: Lunch Ideas

Breakfast: oatmeal or something made with egg Lunches: Typically one recipe on the weekend and portion it out for the week. I just had a Thanksgiving lunch on Friday - yum! I rotate recipes a lot, otherwise I'd get bored. I have a portion of the work freezer for my lunches 8-) I like to make turkey ...
by MarvinK
Mon Dec 18, 2017 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: ABLE accounts tax deduction timing
Replies: 1
Views: 271

Re: ABLE accounts tax deduction timing

Thank you for posting this.
I have been educating myself about the ABLE accounts for a family member.
by MarvinK
Mon Dec 18, 2017 10:39 pm
Forum: Personal Consumer Issues
Topic: Window Selection and Shopping
Replies: 18
Views: 1647

Re: Window Selection and Shopping

If there's only 2 windows and 1 double door (french or sliding), that's a pretty easy estimate. Go to your local building supply or window and door showroom. Many have displays of the quality and their staff are generally familiar their differences. Take the measurements you have. Take a digital pho...
by MarvinK
Mon Dec 18, 2017 10:13 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 103
Views: 12934

Re: Any Instant Pot users here?

1 year in of Instant Pot. Things I've made: Beef and broccoli, carrot ginger soup, many stews, egg-spinach-tomato cups, steamed salmon, mushroom risotto, lamb chops, Lemon zest cheesecake, The best bread pudding in my neighborhood. Meats come out juicy and tender. It will only turn out bland if your...
by MarvinK
Mon Dec 18, 2017 9:55 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads save on eyeglasses?
Replies: 91
Views: 7637

Re: How do Bogleheads save on eyeglasses?

Costco
So convenient, and affordable!
Sometimes there is a special for $30-$40 off the 2nd pair
I primarily use my glasses for driving and keep them in the car and office desk drawer.
Brick and mortar is great to have adjustments.
by MarvinK
Sun Dec 17, 2017 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: What 529 plan are you using?
Replies: 20
Views: 3426

Re: What 529 plan are you using?

California Index US Equity 8 basis points Index Bonds 15 basis points Index Int'l 12 basis points I rebalance myself. It's TIAA-CREF. I've been happy with the initial sign up and website, etc. going on 3 years now. New York Age-based For a close friend where the in-state program was undesirable I al...
by MarvinK
Sun Dec 10, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: detergent without non-recyclable packaging?
Replies: 28
Views: 2012

Re: detergent without non-recyclable packaging?

Nellie's comes in tins. Thanks. That looks like the answer. I can with complete honesty give Nellie's a five star rating. Used it for years. Doesn't have extra additives. Doesn't gunk up the clothes or the washer. Tins are useful for other storage needs. I also use Nellies. It really smooths my clo...
by MarvinK
Sun Dec 10, 2017 6:13 pm
Forum: Personal Consumer Issues
Topic: Favorite Holiday Recipes
Replies: 48
Views: 4887

Re: Favorite Holiday Recipes

My sister and I trade off (each year) making a Swedish Glögg. It is served hot. Can be with or without alcohol. Quite a few different recipes out there. Most have the same general concept. Glögg is the traditional drink in Sweden and Finland during the six weeks leading up to December 25--a cold, d...
by MarvinK
Sun Dec 10, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: Do indoor cats need flea/tick/heartworm prevention year round?
Replies: 15
Views: 2383

Re: Do indoor cats need flea/tick/heartworm prevention year round?

I use Revolution year-round on my indoor cats. -I volunteer with outdoor cats all year, this can mean contact with fleas, mites, ticks, and other parasites. -Also as a volunteer have seen indoor-only cats that are flea infested. -Although my climate has cold/freezing times, there are usually several...
by MarvinK
Mon Oct 30, 2017 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: college savings: 529 or Roth IRA owned by child?
Replies: 6
Views: 999

Re: college savings: 529 or Roth IRA owned by child?

Hello TarHeel, Research two items, as the previous poster pointed out: Roth IRA owned by the child (FAFSA currently calculates at students contribution EFC, 20%, currently exempt on fafsa) 529 (Currently calculates at parents contribution rate EFC, 5.64%) *Caveat FAFSA can change by the time they ap...
by MarvinK
Mon Oct 30, 2017 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: First Time Home Buyer
Replies: 5
Views: 747

Re: First Time Home Buyer

Welcome, I would agree with chevca, an easy 15 year (non-conforming, high amount) is about 3.5% right now, maybe a 1/4 point less based on credit, or using competitive broker. https://www.penfed.org/mortgage-center/mortgages . I found a pretty good broker through LendingTree a few years back (BNC Na...
by MarvinK
Tue Sep 26, 2017 11:43 pm
Forum: Personal Consumer Issues
Topic: Weekend trip in Portland, Oregon - ideas?
Replies: 22
Views: 1774

Re: Weekend trip in Portland, Oregon - ideas?

I can recommend this AirBNB listing in Portland below. Host exceeded expectations. Local, knows downtown.
Take public transit or uber to city.
https://www.airbnb.com/rooms/7510884
by MarvinK
Sat Aug 26, 2017 11:10 pm
Forum: Personal Consumer Issues
Topic: mold problem in bathroom --advice?
Replies: 18
Views: 2471

Re: mold problem in bathroom --advice?

Lysol IC (diluted)

https://www.amazon.com/Lysol-Quaternary ... %2Bic&th=1

I dilute in a spraybottle. Also use in toilets and sinks.
by MarvinK
Mon Aug 21, 2017 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: $1000/month: Mortgage vs. Market vs. Other
Replies: 22
Views: 2348

Re: $1000/month: Mortgage vs. Market vs. Other

Same suggestions as above with a twist: * 529 account Although you don't have a state tax deduction, you have a great plan started. Higher education is a defined need for your family's future. (I'm a fan of 529 accts). The drawback is that if you should need some of this money, it's a penalty to pul...
by MarvinK
Mon Aug 21, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: Help With Travel to Prague - Vienna - Budapest
Replies: 7
Views: 996

Re: Help With Travel to Prague - Vienna - Budapest

Lonely Planet has had forums (Thorntree) for a long time, highly recommend. There are usually locals which reply to posts for specific countries and cities. (I used to be a frequent contributor for my previous US city.) Posting questions and planned itinerary can help you review and refine your itin...
by MarvinK
Tue Jul 11, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: instant pot [Pressure cooker]
Replies: 34
Views: 4177

Re: instant pot [Pressure cooker]

Yes totally worth it. The large size 8 quart is on sale right now on Amazon (prime day).
Ive made homemade soup, stew, beef and broccoli, perfect risotto, steamed salmon, etc.
by MarvinK
Mon Jul 10, 2017 5:49 pm
Forum: Personal Consumer Issues
Topic: Most Effective Rat Poison
Replies: 42
Views: 4233

Re: Most Effective Rat Poison

I saw that the Humane Society around here also sometimes have "farm cats" available. They are friendlier than feral cats, but pretty much outside only "working" cats. My guess is they are probably not liter box trained. Yes, I could have been clearer. Many areas have different phrases, generally: a...
by MarvinK
Mon Jul 10, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Audi Extended Warranty
Replies: 1
Views: 479

Re: Audi Extended Warranty

I think you'd get more replys on Audi World Forum https://www.audiworld.com/forums/ When my new Audi warranty was close to being up, I received an offer in the mail. I didn't get an EW. From experience, you might look up the year and model you're getting and look at common issues to weigh the cost/b...
by MarvinK
Mon Jul 10, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: what happened to new KO roses?
Replies: 20
Views: 1829

Re: what happened to new KO roses?

Knockout roses are nearly indestructable. How do I know? Closed Elementary school near my work had 13-15 abandoned KO rose bushes, facing south. No additional water, no regular care for at least 7-8 years. They were hanging so far across the sidewalk, I pruned them. It took lots of bags, and multipl...
by MarvinK
Mon Jul 10, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: Most Effective Rat Poison
Replies: 42
Views: 4233

Re: Most Effective Rat Poison

2 feral cats, spayed/neutered and vaccinated. Contact a local trap-neuter-release (TNR) group* in a city, or a rural vet. Yes you do need to put out cat food for the cats. The poison will also kill squirrels, counties or health dept rat control does have higher strength poison, and it helps usually ...
by MarvinK
Fri Jul 07, 2017 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Roth TSP - Worth it?
Replies: 15
Views: 2125

Re: Roth TSP - Worth it?

Frankly I don't really like the proportional withdrawl part either. However, I contributed $5-$10 per paycheck for a few years....because of the 5 year rule. I view it as flexibility. I don't know what my future tax rate will be, or what it might be in retirement. Tax-free earnings if five years hav...
by MarvinK
Mon Jul 03, 2017 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 529 - Where's the Love?
Replies: 29
Views: 5636

Re: Fidelity 529 - Where's the Love?

I looked at a lot of state's plans in detail, since my own state was awful. Chose California for low fees, low minimums. TIAA-CREF plan. It's been great! (Big state with big negotiating power.) Each state can hire and fire their brokers/fund managers. You're not hiring Fidelity, you're hiring the st...
by MarvinK
Mon Jul 03, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: Buying a dishwasher
Replies: 54
Views: 4734

Re: Buying a dishwasher

Asko, bought on sale or scratch/dent sale.

Whirlpool in a rental was great!

I never want to have a loud dishwasher again! You don't know the difference until the freight train is roaring.