Search found 2937 matches

by RickBoglehead
Wed Apr 24, 2019 2:37 pm
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 12
Views: 606

Re: Teeth Whitening

Costco has a unique packaging configuration of Crest Whitestrips.
by RickBoglehead
Wed Apr 24, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: Single Family House - aging in place challenges
Replies: 47
Views: 2317

Re: Single Family House - aging in place challenges

My garage has no steps, that’s where we’ve been using to enter the home. The front has steps, but that’s up to the delivery people to trip over. Not us. My husband use iPhone as light at night to go to restroom. But I place plants at strategic place so he can at least know where things are. Pretty ...
by RickBoglehead
Wed Apr 24, 2019 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Quarterly Estimated Tax Checks & Insufficient Funds
Replies: 12
Views: 442

Re: Quarterly Estimated Tax Checks & Insufficient Funds

I would expect, but don't know, that Friday might be too far in the distance before they resubmit and have them bounced again.
by RickBoglehead
Wed Apr 24, 2019 10:14 am
Forum: Personal Investments
Topic: Will my adjusted income be smaller?
Replies: 7
Views: 340

Re: Will my adjusted income be smaller?

First, you say "I have always contributed to my IRA to get the employer match". I assume you meant "401k" instead of "IRA". Your accountant sounds like an idiot. Or, you're confusing IRA and 401k when you talk to him, like you did in this post :wink: If you put PRE-TAX money into your 401K, it reduc...
by RickBoglehead
Wed Apr 24, 2019 9:53 am
Forum: Personal Investments
Topic: Close Vanguard and go all in with Fidelity?
Replies: 55
Views: 2166

Re: Close Vanguard and go all in with Fidelity?

Seems like a weekly thread topic...

You'll get split answers, probably skewed to more Vanguard. It's personal choice.

I only have at Fidelity which is unique at Fidelity (HSA account and DW's 403b). Everything else we moved to Vanguard.
by RickBoglehead
Wed Apr 24, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: Single Family House - aging in place challenges
Replies: 47
Views: 2317

Re: Single Family House - aging in place challenges

My garage has no steps, that’s where we’ve been using to enter the home. The front has steps, but that’s up to the delivery people to trip over. Not us. My husband use iPhone as light at night to go to restroom. But I place plants at strategic place so he can at least know where things are. Pretty ...
by RickBoglehead
Wed Apr 24, 2019 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Possible Divorce: Pension & Job Options
Replies: 46
Views: 3811

Re: Possible Divorce: Pension & Job Options

OP's loss of employment is a "qualifying life event", so OP could now be added to his wife's medical insurance, assuming the relationship issues don't interfere with that.
by RickBoglehead
Wed Apr 24, 2019 6:08 am
Forum: Personal Investments
Topic: Another home downpayment investing question!
Replies: 4
Views: 303

Re: Another home downpayment investing question!

If you can't afford to lose any principal your plan doesn't work. On principle, I see nothing unique about your situation. Protecting principal is a straightforward principle. :D
by RickBoglehead
Wed Apr 24, 2019 5:47 am
Forum: Personal Consumer Issues
Topic: How to clean a garage?
Replies: 59
Views: 2375

Re: How to clean a garage?

I guess I am not understanding how a forum is going to tell you how to clean your garage. :shock: If you can’t bring yourself to get rid of those things and you have the space available for a shed, you should just build yourself one. My dad and I both hoard those types of things too—good tools found...
by RickBoglehead
Wed Apr 24, 2019 5:42 am
Forum: Personal Investments
Topic: Home Inspection - Resale Home
Replies: 6
Views: 481

Re: Home Inspection - Resale Home

Your secondary inspection has nothing to do with the home having major issues that a seller needs to correct.

Make sure you figure out with your realtor how to handle your feedback to the Seller within the specified timeframe.
by RickBoglehead
Wed Apr 24, 2019 5:25 am
Forum: Personal Consumer Issues
Topic: Nonfinancial value of state university vs private college (USC)?
Replies: 57
Views: 2163

Re: Nonfinancial value of state university vs private college (USC)?

For me, Maryland gets a black mark for how it handled the football scandal, especially reinstating Durkin, then firing him a day later. President goes, ... Concerned about values, leadership. I suspect this is a tip of the iceberg thing. The extent that many American universities' decisions are sha...
by RickBoglehead
Wed Apr 24, 2019 5:17 am
Forum: Personal Consumer Issues
Topic: Nonfinancial value of state university vs private college (USC)?
Replies: 57
Views: 2163

Re: Nonfinancial value of state university vs private college (USC)?

For me, Maryland gets a black mark for how it handled the football scandal, especially reinstating Durkin, then firing him a day later. President goes, ... Concerned about values, leadership.
by RickBoglehead
Wed Apr 24, 2019 4:58 am
Forum: Personal Investments
Topic: NFCU CD Rates
Replies: 3
Views: 315

Re: NFCU CD Rates

Membership requirements.
by RickBoglehead
Tue Apr 23, 2019 8:48 pm
Forum: Personal Consumer Issues
Topic: Hybrid Rental
Replies: 7
Views: 387

Re: Hybrid Rental

A Fusion Hybrid will get mid to high 30 mpg on the highway, low 40s city.
by RickBoglehead
Tue Apr 23, 2019 4:03 pm
Forum: Personal Investments
Topic: Cash Balance Payout Choice
Replies: 2
Views: 151

Re: Cash Balance Payout Choice

Am I missing something? The breakeven is in month 236 or 19.67 years from now without the 3% COLA each year. With the COLA, the breakeven is in month 190, or 15.83 years from now. SInce it's such a small sum, I wouldn't bother with whether you invest it or not, and what that return might be. I'm sur...
by RickBoglehead
Tue Apr 23, 2019 2:50 pm
Forum: Personal Investments
Topic: One time deposit to HSA
Replies: 13
Views: 958

Re: One time deposit to HSA

MotoTrojan wrote:
Tue Apr 23, 2019 2:32 pm
Just to be clear though I don’t have to do anything different tax paperwork-wise than if I had been eligible for the entire 20-9 year?
There is no paperwork regardless.
by RickBoglehead
Tue Apr 23, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: Buying a TV
Replies: 32
Views: 1045

Re: Buying a TV

My reply to the OP is that this is a financial forum. What I mean by that is you're going to get a few people giving you totally subjective responses. I get amazed by the questions that people don't research more via specialized sites... Here's a site that specializes in buying stuff - https://thewi...
by RickBoglehead
Tue Apr 23, 2019 2:07 pm
Forum: Investing - Theory, News & General
Topic: AA Question: How to represent cash in allocation
Replies: 13
Views: 670

Re: AA Question: How to represent cash in allocation

If you want a 40/60 ratio overall, 17% is already in cash, then you have several choices: 1) For the total assets, put 40% in equities and 43% in fixed income, because you already have 17% in fixed income. 2) For the remaining assets, put 48.2% in equities and 51.8% in fixed income. That's the exact...
by RickBoglehead
Tue Apr 23, 2019 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: What, if anything, do I owe this guy?
Replies: 74
Views: 6061

Re: What, if anything, do I owe this guy?

I wouldn't necessarily call this a "scam" without further information, but there does not seem to be any need for you to pay that 2% per year. Respectfully disagree. How is he managing the physical gold -- at a 2% fee -- which is being safe-stored at an offsite location? This guy's a con artist. I ...
by RickBoglehead
Tue Apr 23, 2019 1:09 pm
Forum: Personal Consumer Issues
Topic: Who is buying 1-3 year old used Toyotas and Hondas?
Replies: 59
Views: 4532

Re: Who is buying 1-3 year old used Toyotas and Hondas?

Any car that is traded at a year is either a lemon, or the buyer isn't bright. There is no reason to buy a 1 year old vehicle. The only exception might be someone that gets great deals and flips cars, like a family member. We can buy a Ford for a great price, and have to hold it for 6 months. Howeve...
by RickBoglehead
Tue Apr 23, 2019 11:54 am
Forum: Personal Consumer Issues
Topic: Single Family House - aging in place challenges
Replies: 47
Views: 2317

Re: Single Family House - aging in place challenges

There are companies that specialize in the business of modifying your house for aging in place. You may also find groups that are willing to come into your home and review it for "safety". After my MIL fell and broke her arm (due to not using her walker and them unplugging all the nightlights to sav...
by RickBoglehead
Tue Apr 23, 2019 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Getting Spouse On Board With Saving
Replies: 32
Views: 2089

Re: Getting Spouse On Board With Saving

I'm overwhelmed by all the responses. Thank you to each and everyone one of you who has taken the time to reply. Some really great advice on here like the 1% calculator tool. This is definitely a savings-related forum so I know that the responses will be skewed towards that, but some of you have of...
by RickBoglehead
Tue Apr 23, 2019 11:21 am
Forum: Personal Investments
Topic: Vanguard Flagship Select Representative ??
Replies: 25
Views: 1980

Re: Vanguard Flagship Select Representative ??

Vanguard is (slowly) transitioning off named Flagship reps (not sure about Flagship Select). For new and transitioned clients Flagship queries go to Flagship call center who are advertised as being more experienced. I don't know what algorithm is using to transition existing customers. They may be ...
by RickBoglehead
Tue Apr 23, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Late tax payment penalty
Replies: 7
Views: 562

Re: Late tax payment penalty

Every day that goes by the penalty and interest increases. So, unless you're filing in the next few days, simply go online and pay what they owe NOW. https://directpay.irs.gov/directpay/payment?execution=e1s1 Then, use TT to calculate the taxes, including what you paid and when you paid it, and file...
by RickBoglehead
Tue Apr 23, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Taxes and Marriage
Replies: 5
Views: 466

Re: Taxes and Marriage

This ^^^ You are the only one that can figure out the actual difference between filing jointly and separately. I'd suggest that if you paid someone to do your taxes, you buy TurboTax Deluxe CD/Download for 2018, enter in your tax info and duplicate the return. Then, simply change filing status to j...
by RickBoglehead
Tue Apr 23, 2019 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Getting Spouse On Board With Saving
Replies: 32
Views: 2089

Re: Getting Spouse On Board With Saving

I would consider adding ROTH IRAs to the list. Review the Boglehead Wiki and read one or more of the books. Maybe if she sees it laying around, she's want to know more. I'd also point out, to you, that if someone has a doctorate/master's degree and their view of savings is "no one else does it" that...
by RickBoglehead
Tue Apr 23, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Underassessment by County Assessor
Replies: 29
Views: 1639

Re: Underassessment by County Assessor

Years ago, prior to selling my first home, I went in to the county assessor office and provided documentation that my home was larger than they had on record. I wanted the true details of the house to be public (even at the cost of higher taxes) so that the value was estimated higher on Zillow. Tha...
by RickBoglehead
Tue Apr 23, 2019 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Taxes and Marriage
Replies: 5
Views: 466

Re: Taxes and Marriage

This ^^^ You are the only one that can figure out the actual difference between filing jointly and separately. I'd suggest that if you paid someone to do your taxes, you buy TurboTax Deluxe CD/Download for 2018, enter in your tax info and duplicate the return. Then, simply change filing status to jo...
by RickBoglehead
Tue Apr 23, 2019 8:32 am
Forum: Personal Investments
Topic: Short Term Investing Question
Replies: 7
Views: 501

Re: Short Term Investing Question

Vanguard Prime Money Market unless high state tax rates are an issue.
by RickBoglehead
Tue Apr 23, 2019 7:44 am
Forum: Personal Consumer Issues
Topic: At what age did you buy your first first class airplane ticket?
Replies: 112
Views: 3974

Re: At what age did you buy your first first class airplane ticket?

Never have paid. At one point I was very senior on the Delta rewards list and often got upgraded to first class. Unfortunately, it was a route that got me free drinks and extra snacks. Maybe once I got upgraded on a flight that had premium meal service. I doubt I will ever pay for a first class tick...
by RickBoglehead
Tue Apr 23, 2019 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Neighbors sump pump pipe on my property
Replies: 25
Views: 2922

Re: Neighbors sump pump pipe on my property

It does vary my locality. Two neighbors up the street drain their sump pumps into the street, and the water drains into my yard and also washed out another neighbor's gravel front area. It's now illegal to do that, but these people are grandfathered in and unresponsive. One in particular has a very...
by RickBoglehead
Tue Apr 23, 2019 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Neighbors sump pump pipe on my property
Replies: 25
Views: 2922

Re: Neighbors sump pump pipe on my property

I worked with my neighbor to run a drainage pipe to the storm sewer across the back edge of his property. All it took was my promise to restore the grass and a handshake. The city and the contractor installing it said I was within my right to terminate the pipe at the edge of my property, thereby f...
by RickBoglehead
Tue Apr 23, 2019 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Neighbors sump pump pipe on my property
Replies: 25
Views: 2922

Re: Neighbors sump pump pipe on my property

Agree specific answers are GIGO , since you don't disclose your location. But it's your neighbor who *needs* an easement from you for his protection and should be worrying about all this. For you it'll be a black mark and constraint against the free use of your property; you might argue you're bett...
by RickBoglehead
Tue Apr 23, 2019 5:33 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefits Strategy
Replies: 29
Views: 2270

Re: Social Security Benefits Strategy

When he does file though, she will be automatically deemed to have filed at that time for her spousal benefit. Are you saying that if she files for her own benefits and does not ever file for spousal benefits, she will automatically receive spousal benefits when her husband files for his own benefi...
by RickBoglehead
Tue Apr 23, 2019 5:32 am
Forum: Personal Investments
Topic: Inheritance - what to do next
Replies: 8
Views: 1460

Re: Inheritance - what to do next

You say you are moving stuff to Vanguard, then you say Fidelity...
by RickBoglehead
Tue Apr 23, 2019 5:06 am
Forum: Personal Finance (Not Investing)
Topic: Taking the new job or not?
Replies: 24
Views: 968

Re: Taking the new job or not?

1) I cannot understand what each job pays.

2) You seem to lay out each job's pros and cons in such a way that the decision is obvious. I am confused as to what added value you think this forum can provide?
by RickBoglehead
Mon Apr 22, 2019 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for Helping Landlord Parents in Retirement
Replies: 4
Views: 424

Re: Advice for Helping Landlord Parents in Retirement

Agree with both earlier posts. Also, if your father is officially diagnosed with dementia or Alzheimer's, and there are in existence POAs, then these could be executed. As far as the title of the post, if she doesn't want your help, is of sound mind, and is not putting herself or your father in dang...
by RickBoglehead
Mon Apr 22, 2019 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Assisted living and nursing home expenses
Replies: 27
Views: 1722

Re: Assisted living and nursing home expenses

I will reiterate that you want a facility near a family member, not near where the elderly person used to live. This should not even be an option. As mentioned earlier, the ability to "pop in" at any time keeps the staff on their toes. My in-laws were in assisted living, nor nursing home, and we'd p...
by RickBoglehead
Mon Apr 22, 2019 12:37 pm
Forum: Personal Consumer Issues
Topic: “Smart Home” upgrades?
Replies: 26
Views: 2017

Re: “Smart Home” upgrades?

If I put a smart device on my main network, and that device was hacked, the hacker now has access to all devices on my network, including those with my financial information on them. This is only true if you have poor security elsewhere. Getting access to someone's wifi doesn't automatically give s...
by RickBoglehead
Mon Apr 22, 2019 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: If FIRECalc shows 100% success rate, what holds you back from retiring?
Replies: 98
Views: 7466

Re: If FIRECalc shows 100% success rate, what holds you back from retiring?

In one word, MEDICAL. In 2 years DW qualifies for a very, very small pension (~$250 a month) and medical benefits from the State at a reduced cost for better benefits than we could buy ourselves for anywhere near the cost (~$1,500 per month for two, ~$900 a month for one on Medicare and one not, and...
by RickBoglehead
Mon Apr 22, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 80
Views: 3084

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

I'll yield to your expertise, but that's not my experience. Google WiFi for example does not support this. I'm running a guest network with google wifi. Are you running super outdated firmware or something? I was responding to a post that said multiple SSIDs in addition to a Guest network. Google W...
by RickBoglehead
Mon Apr 22, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: Where to buy a movie (Amazon/Google/iTunes/PS)?
Replies: 35
Views: 1263

Re: Where to buy a movie (Amazon/Google/iTunes/PS)?

If you're looking to watch movies in a digital format to any extent, then learning what DLNA is would benefit you. I also agree with KlangFool (and am also amazed), buying the DVD and copying it digitally to devices. I'd also point out, for those that don't know it, that in addition to streaming se...
by RickBoglehead
Mon Apr 22, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 80
Views: 3084

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

To be clear, separating these devices does not automatically mean they have to be on a Guest network. Any sufficiently feature-rich AP should allow you to create multiple protected networks with different SSIDs and different security policies. I'll yield to your expertise, but that's not my experie...
by RickBoglehead
Mon Apr 22, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: Where to buy a movie (Amazon/Google/iTunes/PS)?
Replies: 35
Views: 1263

Re: Where to buy a movie (Amazon/Google/iTunes/PS)?

If you're looking to watch movies in a digital format to any extent, then learning what DLNA is would benefit you. I also agree with KlangFool (and am also amazed), buying the DVD and copying it digitally to devices. I'd also point out, for those that don't know it, that in addition to streaming ser...
by RickBoglehead
Mon Apr 22, 2019 11:04 am
Forum: Personal Investments
Topic: Getting through a 2008-like crash during retirement
Replies: 38
Views: 3736

Re: Getting through a 2008-like crash during retirement

Some put a portion of their fixed income holdings into CASH, such as a MMF. Some hold up to 7 years, or more, this way. That way any long term downturn has little to no effect.
by RickBoglehead
Mon Apr 22, 2019 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Found Stock Shares. Need Some Advice.
Replies: 2
Views: 313

Re: Found Stock Shares. Need Some Advice.

Given that no beneficiaries were assigned to the account, and it was not part of the trust, then it would fall under however California handles assets in probating a will. There should be a will, and an executor of that will, and that party is responsible to handle this. The transfer agent is going ...
by RickBoglehead
Mon Apr 22, 2019 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Professional Liability Insurance - Consulting Business
Replies: 11
Views: 630

Re: Professional Liability Insurance - Consulting Business

It depends. What exactly are you doing for a client? Are you coding programs that they'll be using? Or just providing advice? Do you have them sign a contract which contains disclaimers? I am a consultant also (not in IT). I provide advise to my clients based on my extensive experience in my industr...
by RickBoglehead
Mon Apr 22, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 80
Views: 3084

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

I do not know if they have Guest network capability. We do not have a guest network but also do not have guests, so it is a non-issue at our house. It is not a non-issue if you have internet connected devices in your home - switches, outlets, alarm system, thermostats, appliances, fans, garage door...