Search found 149 matches

by 2m2037
Thu Mar 29, 2018 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest to minimize taxes (if that's possible?)
Replies: 18
Views: 2193

Re: How to invest to minimize taxes (if that's possible?)

You both should be working toward maxing your Pre-tax 401k. $18,500 each. Pay the tax 30 years down the road. Do you have an High Deductible Health Plan (HDHP) with HSA? That is a great place to stash $6,950 for family coverage. Filling up your Roth IRAs with $5,500 each doesn't affect your tax now...
by 2m2037
Wed Mar 21, 2018 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Buying vs renting - really tough decision to make
Replies: 64
Views: 4383

Re: Buying vs renting - really tough decision to make

I'm not seeing where you make an argument for buying.... I didn't think I need to make a case for buying, everyone knows what it is. There are advantages like a much more comfortable home , not having to move twice , so on and so on. I'm wondering what's best financially and that's really my main f...
by 2m2037
Wed Mar 21, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Math question to buy new car: pay full, 0% 36 months, 0.9% 60 months
Replies: 35
Views: 2428

Re: Math question to buy new car: pay full, 0% 36 months, 0.9% 60 months

I would pay in full just so that I don't have to deal with the administrative costs of making regular payments (for example, if you close the bank account you use for automatic payments).

The opportunity cost, if any, is likely to be immaterial.
by 2m2037
Fri Mar 16, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: New job transition and pregnant - when to inform employer?
Replies: 30
Views: 2482

Re: New job transition and pregnant - when to inform employer?

Thank you everyone for your responses. Please keep them coming, I'm refreshing this page every hour. You've already highlighted some points we didn't think of!

:D
by 2m2037
Fri Mar 16, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: New job transition and pregnant - when to inform employer?
Replies: 30
Views: 2482

Re: New job transition and pregnant - when to inform employer?

Thanks all who replied so far!

Are there any potential "why didn't you tell us earlier" kind of scenarios if DW informs the new employer some time in June, that she is due around Nov/Dec, if she joins in Apr/May? Anyone with experiences like this...? It's going to be an office-based role.
by 2m2037
Fri Mar 16, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: New job transition and pregnant - when to inform employer?
Replies: 30
Views: 2482

New job transition and pregnant - when to inform employer?

We've had a lot of good news this week. On Wednesday morning, DW got a job offer that we were praying and hoping for. When they asked her what she was expecting in terms of salary, she didn't want to risk losing the offer, so she asked for what we thought was the market rate. When the offer came thr...
by 2m2037
Wed Mar 14, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 129
Views: 10799

Re: New Car: Ever make sense to lease?

How about an area like south Florida with a ton of aging drivers? Owning a car for 10+ years may be extremely optimistic - forget car longevity, what about driver longevity? And then there is the driver's ability (meaning mental and physical capability), some of us probably should have been off the...
by 2m2037
Fri Mar 09, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Garage door extra remote solution
Replies: 15
Views: 1541

Re: Garage door extra remote solution

Why do you want a key chain garage remote? Are you using the remote when you go out for runs or bike rides or neighbor visits? I put in a wireless keypad remote that works great. No need for any remote. Just punch in the number and the door opens. See here. https://www.amazon.com/Chamberlain-KLIK2U...
by 2m2037
Thu Mar 08, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: Garage door extra remote solution
Replies: 15
Views: 1541

Re: Garage door extra remote solution

tyrion wrote:
Thu Mar 08, 2018 1:04 pm
There's a button that appears to say 'learn code'. So yeah, it's possible. Start by looking up the model #. Then search for one that would work on amazon.
Thanks I will!
by 2m2037
Thu Mar 08, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Garage door extra remote solution
Replies: 15
Views: 1541

Re: Garage door extra remote solution

livesoft wrote:
Thu Mar 08, 2018 12:59 pm
Isn't this a question for the Amazon.com web site for this keychain product which seems to entertain questions and give answers?
I've asked, no responses...
by 2m2037
Thu Mar 08, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Garage door extra remote solution
Replies: 15
Views: 1541

Garage door extra remote solution

Am hoping to find someone familiar with programming garage door remotes to help with my question. I have an Overhead garage door set (Overhead being the brand), and want to get a keychain sized remote in addition to the 2 visor clip remotes that I already have, something like this - https://www.amaz...
by 2m2037
Tue Feb 06, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Electronic Door Locks
Replies: 26
Views: 3457

Re: Electronic Door Locks

Does anyone have any smart locks they would recommend...? Found this old thread when searching the forum, and was wondering if there have been more people using these since.
by 2m2037
Thu Feb 01, 2018 1:16 am
Forum: Personal Consumer Issues
Topic: Choosing which room to sleep in
Replies: 48
Views: 5146

Re: Choosing which room to sleep in

I read each and every single reply. It sounds like my wife makes the final call on this. I'll casually bring it up again on our move-in day and see what she says.
by 2m2037
Wed Jan 31, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: Choosing which room to sleep in
Replies: 48
Views: 5146

Choosing which room to sleep in

My wife and I are moving to a new place that has 2 bedrooms, both with attached full bathrooms. 1 room is bigger than the other. When we first viewed the place, we thought of using the smaller room as a home office. As time went on, we started talking about how we could maybe put some home gym equip...
by 2m2037
Fri Jan 12, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: 25 Year Old Retiring Extremely Early-Domestic Wellesley or Half Global, Half Domestic Wellesley Better for my Bonds?
Replies: 55
Views: 7019

Re: 25 Year Old Retiring Extremely Early-Domestic Wellesley or Half Global, Half Domestic Wellesley Better for my Bonds?

I've done some math and it looks like the portfolios put me at: 1/4 W, 1/4 GW, 1/4 U, 1/4 I: I Stocks U Stocks Bonds 0.3125 0.3875 0.3 1/2 W, 1/2 U, 1/2 I: I Stocks U Stocks Bonds 0.275 0.425 0.3 And my current: 1/3 W, 1/3 U, 1/3 I: I Stocks U Stocks Bonds 0.349965 0.449955 0.19998 Here is the char...
by 2m2037
Thu Jan 11, 2018 10:27 am
Forum: Investing - Help with Personal Investments
Topic: 25 Year Old Retiring Extremely Early-Domestic Wellesley or Half Global, Half Domestic Wellesley Better for my Bonds?
Replies: 55
Views: 7019

Re: 25 Year Old Retiring Extremely Early-Domestic Wellesley or Half Global, Half Domestic Wellesley Better for my Bonds?

Subscribing to this thread. I've always wanted to live in Bangkok and am interested in finding out more about living expenses and how the OP is planning on swinging it.
by 2m2037
Thu Jan 11, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: Poll: BHs who rent - what % of gross do you spend on rent?
Replies: 71
Views: 4256

Poll: BHs who rent - what % of gross do you spend on rent?

What % of gross income (combined) do you pay for rent? Just curious. 10%? 15%? 20%?
by 2m2037
Tue Jan 09, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: Advice sought: can/should we pay for a bigger rental place?
Replies: 21
Views: 955

Re: Advice sought: can/should we pay for a bigger rental place?

Pretty sure this is not a forum for criticizing other people's handling of their pets. And if I had a dollar for every nut in my building who's complained about kids playing with a ball on the sidewalk or a dog wagging its tail at him, I wouldn't be on bogleheads. OP - sounds like the right move, a...
by 2m2037
Tue Jan 09, 2018 7:37 pm
Forum: Personal Consumer Issues
Topic: Advice sought: can/should we pay for a bigger rental place?
Replies: 21
Views: 955

Re: Advice sought: can/should we pay for a bigger rental place?

Go ahead and move, it's not that much money. But do you really want parents living with you in a 2 bedroom apartment for 6 months? Also a small place really makes you reconsider every piece of junk you consider buying for the baby. To the people saying OP should move because of the dog, would you r...
by 2m2037
Tue Jan 09, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: Advice sought: can/should we pay for a bigger rental place?
Replies: 21
Views: 955

Re: Advice sought: can/should we pay for a bigger rental place?

During these times he may yelp for the entire time we are out, or for a couple hours before going to sleep. No wonder the neighbors are upset and your dog must be miserable, too. Yes; sometimes he sleeps within 10 minutes of us leaving but oftentimes he doesn't stop for a couple hours till he wears...
by 2m2037
Tue Jan 09, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Advice sought: can/should we pay for a bigger rental place?
Replies: 21
Views: 955

Re: Advice sought: can/should we pay for a bigger rental place?

Hi all, thanks for the responses. To clarify, dog does not bark when we are at work. He is used to us leaving at 8am and reaching home at 6pm. He sometimes gets anxious if we leave the house in the middle of the day (on weekends), or In the evenings when we go out for dinner. During these times he m...
by 2m2037
Tue Jan 09, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Advice sought: can/should we pay for a bigger rental place?
Replies: 21
Views: 955

Re: Advice sought: can/should we pay for a bigger rental place?

Thanks for the replies, everyone. I agree with your rationale for moving to a larger home. In regards to your financial standing, I think the biggest question isn't whether you can afford the extra $700 per month in rent (it sounds like you certainly can), but the added cost of having a child in the...
by 2m2037
Tue Jan 09, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Advice sought: can/should we pay for a bigger rental place?
Replies: 21
Views: 955

Advice sought: can/should we pay for a bigger rental place?

Based on below factors and our financial standing, should we? I feel that we should be squeezing every penny while we're younger and can bear with the discomfort, but at some point that's got to change. Have we reached that point or no? All thoughts appreciated; thanks in advance :beer Current place...
by 2m2037
Fri Dec 22, 2017 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidation of Vanguard accounts after getting married
Replies: 10
Views: 807

Re: Consolidation of Vanguard accounts after getting married

Well, an update for anyone who might have the same question in the future. I called Vanguard and they advised that if it was an exchange from one fund under my personal account to the identical fund in the joint account, it wouldn't be considered a sale and purchase and wouldn't be considered a taxa...
by 2m2037
Fri Dec 22, 2017 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidation of Vanguard accounts after getting married
Replies: 10
Views: 807

Re: Consolidation of Vanguard accounts after getting married

Congratulations on your marriage. May there be many years of happiness! Have you considered what should happen to the accounts in the event of one or both of you passing? Since the accounts are at Vanguard, you may find that your transfer on death (TOD) options may be limited for a joint account. S...
by 2m2037
Fri Dec 22, 2017 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidation of Vanguard accounts after getting married
Replies: 10
Views: 807

Re: Consolidation of Vanguard accounts after getting married

Thanks for the responses all. Call me naive, but I respectfully submit that beginning a relationship/marriage with optimism is half the battle won. In any case, DW and I have discussed the merits/cons of joint finances and we've reached a comfortable decision as to the financial framework of our mar...
by 2m2037
Fri Dec 22, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Consolidation of Vanguard accounts after getting married
Replies: 10
Views: 807

Consolidation of Vanguard accounts after getting married

Hello. (To make this concise) About 8 months ago I started on my personal 3-fund portfolio journey. Half a year later, I set up a joint account for my wife (then fiancee) and I with the aim of incorporating the 3-fund theory into our joint finances as well. At this point I have in my personal accoun...
by 2m2037
Sun Nov 26, 2017 4:24 am
Forum: Personal Finance (Not Investing)
Topic: Car Lease Gotchas
Replies: 41
Views: 4288

Re: Car Lease Gotchas

Cost of tires on a lease shouldn't be a factor. If an inspector deems that there is no meat left on the tires of your lease return, he would probably have that same report on a car you own. It's not like you need to return a leased vehicle with at least 50% life left on the tires... :mrgreen: It's ...
by 2m2037
Wed Nov 22, 2017 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Car Lease Gotchas
Replies: 41
Views: 4288

Re: Car Lease Gotchas

Cost of tires on a lease shouldn't be a factor. If an inspector deems that there is no meat left on the tires of your lease return, he would probably have that same report on a car you own. It's not like you need to return a leased vehicle with at least 50% life left on the tires... :mrgreen: It's n...
by 2m2037
Wed Nov 22, 2017 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Car Lease Gotchas
Replies: 41
Views: 4288

Re: Car Lease Gotchas

Thanks everyone for the great replies! It was good to read through this - especially Watty's reply. I think if we didn't have kids - a lease might not be a bad idea - but the nay-sayers are right a bit - I can't count how many times my children have chucked stuff at our car. When I look at our pres...
by 2m2037
Wed Nov 22, 2017 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Car Lease Gotchas
Replies: 41
Views: 4288

Re: Car Lease Gotchas

Can someone tell me some things to look out for in leasing a car? In addition to all the financial problems a huge potential problem is what happens if the car is in an accident and repaired or totaled while you have it. If the car is totaled when it is a year old the replacement cost of the car th...
by 2m2037
Wed Nov 22, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Car Lease Gotchas
Replies: 41
Views: 4288

Re: Car Lease Gotchas

I have owned cars and leased cars. In my experience I care MUCH less about minor dings and scratches on a lease than my own car. That is fair. So you just didn't care about getting dinged for additional fees when you turned the car in with issues? At one point my wife scuffed up the corner of the r...
by 2m2037
Mon Nov 20, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Voluntary life insurance - how much?
Replies: 10
Views: 1096

Re: Voluntary life insurance - how much?

Thanks for your thoughts, everyone!
by 2m2037
Fri Nov 17, 2017 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Voluntary life insurance - how much?
Replies: 10
Views: 1096

Voluntary life insurance - how much?

It's open enrollment period at work and we have the option of purchasing voluntary life insurance at $0.79/month for $10K coverage all the way up to $59.25/month for $750K coverage.

How much would you choose and why? What factors would you consider when making your decision?
by 2m2037
Thu Nov 16, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 5555

Re: Fair way to split expenses?

A paycheck or other income is only one way of contributing to the family finances. I'm glad that my partner recognizes my other contributions. Because of our differing jobs, I have more ability to save in tax-deferred, since I can contribute to both a 403(b) and 457. So there are times that I got l...
by 2m2037
Wed Nov 15, 2017 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 5555

Re: Fair way to split expenses?

I recommend a free app called SplitWise, which is designed to track this effortlessly. There's no need for a joint account, as you can periodically settle the balance, and record it in the app. Keep it simple. https://www.splitwise.com/ We've used this on road trips with friends, but to use this ev...
by 2m2037
Tue Nov 14, 2017 1:30 am
Forum: Personal Consumer Issues
Topic: places to live near Stanford University
Replies: 35
Views: 3075

Re: places to live near Stanford University

If you end up buying a place for 500k near stanford, let me know and I'll have two of those please. :D
by 2m2037
Fri Nov 03, 2017 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 129
Views: 10799

Re: New Car: Ever make sense to lease?

Who (and how) is paying for the added costs if leasing is financially beneficial? It's not that simple... Manufacturers (such as BMW) subsidize the residual on the lease in many cases, thus making the terms attractive to the customer. There is something in it for the manufacturers - they don't do i...
by 2m2037
Fri Nov 03, 2017 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 129
Views: 10799

Re: New Car: Ever make sense to lease?

I have friends with V6s who spend close to $150/month in gas alone for less miles traveled. Factor in maintenance and depreciation and I think I'll come out way ahead. How is your low cost of fuel in any way related to a lease? Wouldn;t it be the same for a purchased/owned (possibly financed) car? ...
by 2m2037
Thu Nov 02, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Lease New Car?
Replies: 38
Views: 4990

Re: Lease New Car?

Using a very simple example - if I have $30,000 cash today, should I be buying a $30,000 car and selling after 3 years or leasing for 3 years? Buy method Pay $30,000 up front. Drive for 3 years Sell for $15,000. Depreciation cost = $15,000 Lease method Pay $0 up front. Put $30,000 in Ally Savings a...
by 2m2037
Wed Nov 01, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: Volvo "Overseas Delivery"
Replies: 14
Views: 2286

Re: Volvo "Overseas Delivery"

sunny_socal, did you go through with it? Not yet, but still hoping/planning. The only reason this remains attractive is that we're doing a big 2-3W Euro vacation next year anyway and having our own car would add to the experience. It's rather un-Boglehead:ish for the following reasons: - It's a New...
by 2m2037
Wed Nov 01, 2017 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 129
Views: 10799

Re: New Car: Ever make sense to lease?

I am paying $180.55/month with $0 down for a 36mth/36k mile lease of a 2017 Chevy Volt with a few options over the base trim. This figure is post all rebates available. This works out to be $2,167 a year. I get to charge my car for free at work, and I can probably go a couple of days on a full charg...
by 2m2037
Wed Nov 01, 2017 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 129
Views: 10799

Re: New Car: Ever make sense to lease?

I have a family member with an irrational phobia of cars that have more than 50,000 miles. They were buying new cars every 3 years as soon as the old car was just about to hit 50,000 and they would sell the car to the dealership as a trade in. I mentioned that they should probably consider a lease....
by 2m2037
Mon Oct 30, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: Interesting twist to "Free 2-day shipping" at Walmart
Replies: 49
Views: 5173

Re: Interesting twist to "Free 2-day shipping" at Walmart

I was just getting ready to place an order online at Walmart.com when I noticed that the item I was ordering had two prices. Price #1 ($6.64) when shipped "FREE 2DAY SHIPPING" to my door, and Price #2 ($5.56) for "Free Pickup at the Store". As it turns out, Price #2 is the regular price at the Walm...
by 2m2037
Fri Sep 29, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: Two year lease vs Buy and hold 10 years. A wash?
Replies: 54
Views: 4972

Re: Two year lease vs Buy and hold 10 years. A wash?

Title: Compare 2 year lease vs buy and hold for 10 years. You: Compared 5x 2year lease vs buy and hold for 10 years. Me: Compared 2 year lease vs buy and hold for 2 years. I guess you didn't read the title of the post OR its contents. In his first post, the OP specifically states... "$250/month sig...
by 2m2037
Fri Sep 29, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 13522

Re: The Rolex and The Boglehead

Happy Friday everyone!

Image
by 2m2037
Thu Sep 28, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: Two year lease vs Buy and hold 10 years. A wash?
Replies: 54
Views: 4972

Re: Two year lease vs Buy and hold 10 years. A wash?

You shouldn't extrapolate the 2-year lease 5x. What you need to do instead is compare the 2 year lease vs buying a $27K car and selling it after 2 years. No, that is NOT the comparison the OP made and requested feedback for. Did you read the title of this post? "Two year lease vs Buy and hold 10 ye...
by 2m2037
Thu Sep 28, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Two year lease vs Buy and hold 10 years. A wash?
Replies: 54
Views: 4972

Re: Two year lease vs Buy and hold 10 years. A wash?

I think shopping for super low/deal/pick the best/lease hacker type deals could come out ahead. I'm not seeing how you come to this conclusion. The OP presumably got a "super low/deal/pick the best/lease hacker" type lease deal you refer to. In fact, he states... "this special is very good for me b...