Search found 100 matches

by kacang
Mon Jun 17, 2019 6:02 pm
Forum: Personal Consumer Issues
Topic: Are you a member of nextdoor.com? Any concerns registering your info?
Replies: 62
Views: 4643

Re: Are you a member of nextdoor.com? Any concerns registering your info?

I find Nextdoor useful. Last year, we had a spate of car break-ins and the neighbors near the affected households shared their security camera videos with the police, which helped them nab the culprits. Another example, there was a lost elderly person who suffered from dementia, and a timely post on...
by kacang
Tue Jun 11, 2019 10:26 pm
Forum: Personal Consumer Issues
Topic: Careers that combine art/design and science?
Replies: 36
Views: 1508

Re: Careers that combine art/design and science?

We may be in similar situation. DS is looking into the Bachelor of Science in Digital Arts & Sciences offered by College of Engineering in UFlorida, as the creative/design work + STEM combination is appealing to him, we are still trying to learn more about it.
by kacang
Sat Jun 01, 2019 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Your thoughts on a hydrid CS-design degree
Replies: 5
Views: 393

Re: Your thoughts on a hydrid CS-design degree

Any engineering major will start with the hard sciences, math and intro courses in multiple engineering disciplines (EE, ME, CS). As he progresses, he'll figure out if he does or doesn't click with the discipline he thought he wanted to go into. He may also find that the eng/arts major is or isn't ...
by kacang
Fri May 31, 2019 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Your thoughts on a hydrid CS-design degree
Replies: 5
Views: 393

Your thoughts on a hydrid CS-design degree

DS will be a freshman at UFlorida and a major he is looking at is the BS in Digital Arts and Sciences offered by the Engineering college. Per UF website, it's a hybrid degree of computer science and arts. If anyone has insights into this or similar program, I would greatly appreciate hearing your th...
by kacang
Tue May 14, 2019 5:49 am
Forum: Personal Investments
Topic: Social security should you take early if you don’t need the money?
Replies: 24
Views: 2799

Re: Social security should you take early if you don’t need the money?

OP - as mentioned, there are nuances that will affect the answer; several good points have already been made. If you are married, you should also consider your spouse's SS timing. Also, are you subject to WEP? The open social security tool may be a good place to start.
by kacang
Tue May 14, 2019 5:24 am
Forum: Personal Consumer Issues
Topic: Help me figure out cotton shirt mystery
Replies: 21
Views: 2558

Re: Help me figure out cotton shirt mystery

inbox788 wrote:
Mon May 13, 2019 6:47 pm
You can't even get an old fashioned pair of Levis without new stretchy fibers nowadays. I might be in the minority, but I don't like it
DH likes the old fashioned stiff-as-board Levis and Kohls carried them the last time we checked.
by kacang
Mon May 13, 2019 5:44 am
Forum: Personal Finance (Not Investing)
Topic: W-2 earner looking to lower effective tax rate
Replies: 33
Views: 4004

Re: W-2 earner looking to lower effective tax rate

As a W2 wage earner, there isn't very much other than what you are already doing. We max out backdoor Roth & megaRoth within our 401k. Since these would be part of our post-tax savings anyways, might as well put it in a (future) tax-free space. We also use muni's in taxable and total bond in 401k fo...
by kacang
Thu May 09, 2019 11:38 pm
Forum: Personal Investments
Topic: Best low-balance custodial Roth IRA for kids?
Replies: 10
Views: 698

Re: Best low-balance custodial Roth IRA for kids?

Good for her! Glad she is getting a good start at such a young age. Our kids started Roth IRAs at Vanguard after they had part-time W2 jobs, for the same reasons you cited (no min, no fees). DS1 wanted a set-and-forget-it Target Date fund and he had enough income to do it. DS2 wanted VTSAX and some ...
by kacang
Fri May 03, 2019 5:52 am
Forum: Personal Finance (Not Investing)
Topic: Family Trust
Replies: 25
Views: 3255

Re: Family Trust

nth-ing getting a estate planning lawyer. Does your work benefit include legal services, such as Hyatt Legal? They may cover trusts and such
by kacang
Mon Apr 29, 2019 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Trust investment choices for a difficult beneficiary
Replies: 115
Views: 7271

Re: Trust investment choices for a difficult beneficiary

Thank you OP for posting this. We are amending our trusts soon due to life changes, and this thread has been educational. Made us more aware of potential issues of sibling trustee.
by kacang
Sat Apr 13, 2019 1:38 am
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 95
Views: 7666

Re: Gardening 2019

I am using the lights also as heat. I use 2 40W fluorescent lights for 2 trays to keep at 80F during 2-3 weeks of germination, and then reduce temperature to 72F via opening the enclosure. Temperature in basement is 62F, is not heated, but finished. When I used to garden in zone 5, I would start th...
by kacang
Thu Apr 11, 2019 7:10 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 95
Views: 7666

Re: Gardening 2019

The last few months of rain ended our years-long drought. Key goal this year will be rehab our front yard, planting more drought tolerant natives and more of the survivors. Remarkably, the roses did better than the lavenders. All my roses made it vs only 1 out of 10+ lavenders. Nasturtiums, my favor...
by kacang
Wed Apr 10, 2019 1:07 am
Forum: Personal Investments
Topic: Pay off mortgage better or worse than investing in bonds?
Replies: 24
Views: 2972

Re: Pay off mortgage better or worse than investing in bonds?

Another data point for you to consider. We're paying down our 2.75% 15 year mortgage, for several reasons; 1. Mortgage interest is not deductible for us. SALT takes up all 24k space. 2. Our marginal tax bracket is high. If the funds were invested, TEY needs to exceed 5% to cover mortgage interest ra...
by kacang
Thu Apr 04, 2019 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Scholarship trigger Kiddie tax and AMT for kid?
Replies: 14
Views: 1049

Re: Scholarship trigger Kiddie tax and AMT for kid?

Thanks for the advice and good wishes. One thing I was wrong about was how the taxable part of the scholarship is treated. It is considered unearned income for Kiddie tax, but earned income for determining deduction. The latter will help him a lot. In reading IRS 970 again, - The scholarship pays qu...
by kacang
Thu Apr 04, 2019 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Scholarship trigger Kiddie tax and AMT for kid?
Replies: 14
Views: 1049

Scholarship trigger Kiddie tax and AMT for kid?

DS received a scholarship that will cover full cost of attendance at an out-of-state college and he will be starting freshman year this fall. Along with the good news, it seems the scholarship will complicate his taxes considerably in the coming years. Is my understanding below correct? Is there any...
by kacang
Tue Apr 02, 2019 11:17 pm
Forum: Personal Investments
Topic: Mortgage as negative bond = YIKES! Should I panic?
Replies: 37
Views: 3306

Re: Mortgage as negative bond = YIKES! Should I panic?

My mortgage balance is $578,000 (3.875%, 37% marginal fed tax rate). Can't help you with the negative bond question, we exclude the house from the rest of our portfolio. But at this tax bracket, it may be worth paying off some of the mortgage rather than parking the cash in money market. 3.875% is ...
by kacang
Tue Apr 02, 2019 12:08 am
Forum: Personal Finance (Not Investing)
Topic: Any *disadvantages* to citizenship?
Replies: 74
Views: 3809

Re: Any *disadvantages* to citizenship?

1 - If you are prone to criminal acts, then citizenship would be a good idea 2 - If you are a high net-worth individual, then citizenship would be a bad idea. Should be the other way around, really. Not sure if I agree with #2. High networth individuals have to consider carefully the inheritance an...
by kacang
Sun Mar 17, 2019 12:21 pm
Forum: Personal Consumer Issues
Topic: Am I being cheap? Wife wants a minivan, but I want to hold off
Replies: 170
Views: 7820

Re: Am I being cheap? Wife wants a minivan, but I want to hold off

Yes, please get her the minivan. We "made do" with an Accord and traded it in for an Odyssey around the same age/mileage for the Accord. We too are frugal and had the same discussion about whether it was financially sensible. Within months we were wondering why we didn't get the minivan sooner, lol....
by kacang
Fri Mar 15, 2019 12:59 am
Forum: Investing - Theory, News & General
Topic: 90 day waiting period for Vanguard Flagship
Replies: 37
Views: 3980

Re: 90 day waiting period for Vanguard Flagship

Whakamole wrote:
Fri Mar 15, 2019 12:08 am
Maybe they think people will take advantage of Flagship benefits and then transfer out. I'm not sure which benefit.
Access to otherwise closed funds?
by kacang
Wed Mar 13, 2019 1:02 am
Forum: Personal Consumer Issues
Topic: Peanut Butter recommendations
Replies: 84
Views: 5638

Re: Peanut Butter recommendations

DH has tried to convert me to more natural/hip/healthier PB, but alas I'm too much of a proletariot and I keep coming back to Skippy Extra Crunchy. A thick layer of that with banana slices on toast. Yumm. Brings back memories of being a poor grad student :happy
by kacang
Mon Mar 11, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Best Account for teenager
Replies: 21
Views: 903

Re: Best Account for teenager

We start our kids with a simple savings & checking account at our local credit union where we bank. Kids use venmo/ApplePay/GooglePay/etc nowadays and those are linked to their checking accounts. They also have Roth started at Vanguard once they started part-time/summer work. We used that to teach t...
by kacang
Sun Mar 03, 2019 9:42 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34763

Re: Roll Call for the Retirement Class of 2019!

bluelight wrote:
Fri Mar 01, 2019 2:09 pm
I'm already on the 2019 Roll Call, with an unknown date (and age?) . Please change the date to March 29. The age is 62.

This month is going to take forever to get through, but I'm looking forward to a beautiful spring.
I know! Mine will be a week after you, counting down now
by kacang
Sat Feb 23, 2019 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: I have the answer - 4% plus 2 years (or 3.7% if you prefer)
Replies: 81
Views: 6591

Re: I have the answer - 4% plus 2 years (or 3.7% if you prefer)

This reminds me of Kitces' bond tent to mitigate effect of bad sequence of returns at the start of retirement. He discussed it in terms of portfolio size, but might we consider size and withdrawal rates different sides of the same coin?
by kacang
Fri Feb 22, 2019 8:08 pm
Forum: Personal Investments
Topic: PSA: Turbotax Vanguard 1099 import problems
Replies: 5
Views: 484

Re: PSA: Turbotax Vanguard 1099 import problems

Maybe this only affected folks whose accounts were converted. DH's account was converted in Q1 last year and we had similar problems. Dividends from the old mutual fund account was reported in a separate 1099-DIV. Dividends from after conversion to a brokerage account were reported in the consolidat...
by kacang
Wed Feb 20, 2019 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: High earners: thoughts on college and aid
Replies: 91
Views: 7082

Re: High earners: thoughts on college and aid

A timely topic for us as our younger kid is HS senior making his college decision soon. We did not receive any need-based aid, this was anticipated. Our plans were 1. Community college + transfer to UC. So a UC degree for half the price. We considered the trade offs and felt this was a reasonably at...
by kacang
Sat Feb 09, 2019 3:43 pm
Forum: Personal Consumer Issues
Topic: Would you eat lab grown meat?
Replies: 64
Views: 1735

Re: Would you eat lab grown meat?

Would you consider the Impossible Burger lab grown? The heme protein, a key ingredient to making it "meat-like", is produced via fermentation by genetically engineered yeast. Not too dissimilar to how some drugs are made. It tastes good, like meat, even gives me the "I ate too much protein" aftertas...
by kacang
Sun Feb 03, 2019 2:47 am
Forum: Personal Consumer Issues
Topic: Mazda Miata as Daily Commute Fun Car?
Replies: 94
Views: 5131

Re: Mazda Miata as Daily Commute Fun Car?

Would it be possible to rent one for a week and try commuting in it? What is your commute route and weather like? I'm in CA, weather is perfect for convertibles. One of my commute routes is along a mountain range. My Miata is my fun weekend car and my commute car when I am not carpooling. Can't thin...
by kacang
Sat Feb 02, 2019 1:54 pm
Forum: Personal Investments
Topic: We won the game, went to 50/50, but it just doesn't feel right
Replies: 108
Views: 11928

Re: We won the game, went to 50/50, but it just doesn't feel right

Good thread, I am following this with much interest as we are facing a similar situation. Would setting an asymmetric rebalance band be a good compromise, eg. 5/10 for lower/upper? OPs' target AA is 50/50, so rebalance from fixed to stock if actual stock portion < 45% and from stock to fixed only if...
by kacang
Wed Jan 30, 2019 2:34 am
Forum: Personal Consumer Issues
Topic: Have you searched for your unclaimed property?
Replies: 52
Views: 4205

Re: Have you searched for your unclaimed property?

Thanks! Found a long forgotten savings account (>$100) and a refund (<$100) that belonged to DH. Have forwarded the info to him.
by kacang
Wed Jan 30, 2019 1:44 am
Forum: Personal Consumer Issues
Topic: Please share some lifestyle creep you regret.
Replies: 130
Views: 11149

Re: Please share some lifestyle creep you regret.

I'm of two minds about my Miata. It has lousy gas mileage, not practical, is an extraneous 4th car. Generally not a very boglehead-ish thing.

But it is also my guilty pleasure, absolutely a blast driving it top down. lol, maybe it belongs to the other thread.
by kacang
Sat Jan 19, 2019 11:07 am
Forum: Personal Consumer Issues
Topic: How do you keep a calendar?
Replies: 63
Views: 3285

Re: How do you keep a calendar?

For years we used a monthly paper calendar on the kitchen noticeboard, but we kept forgetting to write in events. Now we use Google calendar - easy to color code & automatically sync with other calendars to see schedule conflicts, eg. our work and kid's school uses Google calendar as well. I also ha...
by kacang
Wed Jan 16, 2019 8:30 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 51517

Re: John Bogle is dead at 89

Thank you Mr Bogle, you have made an incredible difference to countless middle class families like ours. May you rest in peace.
by kacang
Sun Jan 06, 2019 11:56 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34763

Re: Roll Call for the Retirement Class of 2019!

bhsince87 wrote:
Wed Jan 02, 2019 10:30 pm
Today was my first day of retirement!

I actually got holiday pay for yesterday.
Congratulations, what a wonderful way to start a new year! :sharebeer
by kacang
Sun Jan 06, 2019 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 145
Views: 15114

Re: Retirement itch- when did you get it?

The itch started the last few years when my elderly loved ones had serious health issues and I was not able to be there for them. I proposed a temporary remote work arrangement but that didn't get approved. Work stress was also affecting my health and family life. That made me question my work-life ...
by kacang
Wed Jan 02, 2019 8:49 pm
Forum: Personal Consumer Issues
Topic: HE Washer/Dryers - What do you have..are you pleased?
Replies: 33
Views: 2448

Re: HE Washer/Dryers - What do you have..are you pleased?

We have an LG frontload + Sidekick (a small capacity washer in lieu of pedestal stand). Both are electric, not gas. This combination covers all our needs very well. Regular wash aside, the frontloader is also capable of handling bulky items eg. blankets and couch covers, while the Sidekick is great ...
by kacang
Fri Dec 28, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA - is it worth filling out?
Replies: 108
Views: 5722

Re: FAFSA - is it worth filling out?

DIFAR31 wrote:
Fri Dec 28, 2018 12:03 pm
There are plenty of situations where completing FAFSA can be a benefit, regardless of what the FAFSA EFC is.
This. We did it last night for Georgia Tech which requires FAFSA, CSS and their own application for merit-based scholarships. FAFSA is annoying but CSS is more invasive.
by kacang
Thu Dec 20, 2018 8:00 pm
Forum: Personal Investments
Topic: What to do with active funds in taxable in current market?
Replies: 11
Views: 998

Re: What to do with active funds in taxable in current market?

Thanks!! Thus our federal + state STCG is ~50%, LTCG ~35%. Ouch. A good problem to have, but we should have paid more attention to tax issues.
by kacang
Thu Dec 20, 2018 12:12 pm
Forum: Personal Investments
Topic: What to do with active funds in taxable in current market?
Replies: 11
Views: 998

Re: What to do with active funds in taxable in current market?

Thanks for the comments, it helps me to think more clearly. You will still be paying 15% tax on your capital gain even at those tax rates. In theory, it could make sense to wait to take a capital gain if it would be tax-free. (In practice, I wouldn't wait six years even for that; you can only take a...
by kacang
Wed Dec 19, 2018 7:03 pm
Forum: Personal Investments
Topic: What to do with active funds in taxable in current market?
Replies: 11
Views: 998

What to do with active funds in taxable in current market?

We have ~350k of active funds in our taxable account (eg. Wellington VWENX, Primecap VPMAX) which was a rookie error. I have since learned about 3-fund portfolio & tax-efficiency and have been thinking for a while about what to do about it. Which of the following do you think makes most sense? 1. Th...
by kacang
Mon Dec 17, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 20372

Re: Favorite Purchase of 2018?

sil2017 wrote:
Mon Dec 17, 2018 8:43 am
don't laugh....squatty potty

it was on sale at amazon for $11

never had a problem with being regular but that squatty works great.
...
Not laughing. Costco sells them in a 2-pack if anyone else is looking
by kacang
Mon Dec 17, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 20372

Re: Favorite Purchase of 2018?

TheDoorMan19 wrote:
Sun Dec 16, 2018 2:32 pm
Door locks for my home with keypad instead of key. So nice to not carry keys around.
Me too. We just installed our Schlage keypad last month, love it!
by kacang
Thu Dec 13, 2018 8:49 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34763

Re: Roll Call for the Retirement Class of 2019!

Getting closer! Some work will be officially transitioned off my plate by Christmas :beer
by kacang
Wed Dec 12, 2018 10:19 pm
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 249
Views: 21386

Re: What Happened to you during the Financial crisis of 2007–2008

I was too ignorant about investing, haven't heard of index funds, much less Bogleheads. We kept our jobs, continued to contribute 401k (went with whatever default investment option was offered), continued to squirrel paycheck into credit union savings account. So financially we were relatively unsca...
by kacang
Wed Dec 12, 2018 9:52 pm
Forum: Investing - Theory, News & General
Topic: Early retirement mistakes???
Replies: 37
Views: 6531

Re: Early retirement mistakes???

My father retired too early. He could have kept working a few more years and saved another $500k. There are many articles highlighting the benefit of compounding interest but not as many that mention how much working an extra few years (at most likely the highest salary you’ll ever earn) will help ...
by kacang
Tue Dec 11, 2018 8:54 pm
Forum: Personal Consumer Issues
Topic: Hyatt Legal Plan for Will and Trust
Replies: 52
Views: 2931

Re: Hyatt Legal Plan for Will and Trust

We have used Hyatt legal plan for the same purpose and it was a good experience. What we did : 3 trusts (joint, 2 individual with pour-over provisions), 2 wills, 2 DPOA, 2 advanced health care directives and changing the title of house to joint trust. All costs covered by plan, except for filing fee...
by kacang
Fri Dec 07, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: Occlusal guard (night guard) from dentist vs online
Replies: 10
Views: 1003

Re: Occlusal guard (night guard) from dentist vs online

Seconding the advice to try a cheap one and see how that feels. Amazon has moldable ones for under $20. The ones from my dentist fitted better and was a bit more comfortable to sleep with, but they didn't last longer than the cheap ones I used to get from Amazon. I get them from my dentist because c...
by kacang
Wed Dec 05, 2018 10:12 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 188
Views: 21686

Re: Best values at Costco? Honestly, a little disappointed...

Many of the stuff we buy from Costco have been mentioned by others. Plus we have 2 boys (one is a teenager, another in early 20s) and their friends sometimes hang out at our home, so we NEED to buy snacks and food in bulk.
by kacang
Mon Nov 26, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating salary when you know you're underpaid
Replies: 16
Views: 2134

Re: Negotiating salary when you know you're underpaid

My megacorp offers off-cycle market adjustment to help employees (such as those in your situation) catch up in pay. Does your megacorp have that? That's another way to do it, and it may be easier for your boss to get that raise for you. Megacorps usually have a structure in place for determining reg...