Search found 19 matches

by Pablov
Mon Oct 12, 2020 2:58 pm
Forum: Investing - Theory, News & General
Topic: Is 3-4 Fund Portfolio still relevant?
Replies: 11
Views: 975

Re: Is 3-4 Fund Portfolio still relevant?

Hello- there are a lot of articles indicating that bonds might not be a haven going forward for various reasons such as low yields, etc. Is the Boglehead 3-4 fund still relevant or effective going forward? OP - in the google search bar at the top of the screen type, "60 40 dead". You will...
by Pablov
Fri Sep 25, 2020 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to structure inheritance/trust
Replies: 46
Views: 3499

Re: How to structure inheritance/trust

The most effective way to achieve the OP's goal is to give them less. To the extent that I understand the OP's goal, this makes little sense. The OP appears to want to help his/her kids, but is concerned about giving "too much" which will result in demotivation. We don't know the kids, so...
by Pablov
Wed Aug 26, 2020 10:28 am
Forum: Personal Investments
Topic: Utah to California 529 plan switch?
Replies: 5
Views: 397

Re: Utah to California 529 plan switch?

Besides cost (1st priority) also keep in mind investment options the plan offers. 2-3 years ago I opened 529s for my kids with NY (https://www.nysaves.org) I did quite a bit of research at the time and chose NY because it offered the low cost and the investment options I was looking for (vanguard fu...
by Pablov
Thu Aug 06, 2020 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: How to structure inheritance/trust
Replies: 46
Views: 3499

Re: How to structure inheritance/trust

The most effective way to achieve the OP's goal is to give them less. To the extent that I understand the OP's goal, this makes little sense. The OP appears to want to help his/her kids, but is concerned about giving "too much" which will result in demotivation. We don't know the kids, so...
by Pablov
Wed Jul 29, 2020 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing Mortgage
Replies: 5
Views: 464

Re: Refinancing Mortgage

Given the current mortgage rates (say 2.50 to 3.25 for 15, 20 and 30 yr loans) I do not believe it makes sense for you to refinance. i think the closing costs will eat up any possible saving. And if you end up paying that new loan soon, then you are probably even worse off as the closing costs will ...
by Pablov
Tue Jul 28, 2020 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Tax dilemma, thoughts?
Replies: 2
Views: 373

Re: Tax dilemma, thoughts?

You have to read the small print but they are probably not responsible, or liable, for much. And now, sadly with the dismantling that USPS is going through, they are likely to get slower and less reliable. I mailed lots of stuff through USPS for years and never had an issue until they lots a package...
by Pablov
Thu Jun 18, 2020 4:56 pm
Forum: Personal Consumer Issues
Topic: Vanguard Phishing Email
Replies: 21
Views: 2636

Re: Vanguard Phishing Email

Hello Bogleheads. I received a suspected (almost guaranteed) phishing email today from an @rsg.vanguard.com domain. The "phishiest" part of the email was they misspelled my name, despite my name being my email address! Pretty low effort on their part! I read somewhere that some of these p...
by Pablov
Thu Jun 18, 2020 4:49 pm
Forum: Personal Consumer Issues
Topic: Sellers agent not letting me view property without preapproval or "proof of finances"
Replies: 189
Views: 10649

Re: Sellers agent not letting me view property without preapproval or "proof of finances"

A bit of a pain and definitely intrusive. The pre-approval should be enough for them to know you are a qualified buyer. On the other hand, that requirement is probably keeping at least some prospective buyers away. if you are interested enough in the property (and give in to their request) it might ...
by Pablov
Fri May 15, 2020 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Worth refinancing?
Replies: 18
Views: 1100

Re: Worth refinancing?

In any regard this doesn't seem like the best rate and cost right now. You are rolling $5k in on top of a $165k loan and paying 3.65% in this quote... have you shopped around? I just locked 3.25% with nothing rolled in on a larger loan through Northpointe, which has been all online and they have be...
by Pablov
Tue Apr 21, 2020 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Parents want me to pay off their mortgage in exchange for title
Replies: 102
Views: 9490

Re: Parents want me to pay off their mortgage in exchange for title

Without any additional info it sounds like a good deal. On the one hand you help them out and on the other you bought yourself a house for cheap. 3 things would make me hesitate: - Siblings (if any): The whole deal would probably not go too well with them and would mess up whatever relation you have...
by Pablov
Mon Apr 20, 2020 11:57 am
Forum: Personal Consumer Issues
Topic: Coffee Experts - Help with an online coffee order
Replies: 44
Views: 3805

Re: Coffee Experts - Help with an online coffee order

Although i have not tried their coffees I would not hesitate in recommending these guys: https://elevacoffee.com The owner knows coffee and anything he is selling will be top notch! He was a director at a large coffee trading company for many years and has relations with producers.I would recommend ...
by Pablov
Fri Apr 17, 2020 11:46 am
Forum: Investing - Theory, News & General
Topic: How to "invest" in oil?
Replies: 85
Views: 6759

Re: How to "invest" in oil?

There are ETFs that invest in oil futures such as USO and OIL. That is one way to go. You can also go with a bit more of a "diversified" approach by betting in an ETF that follows an energy index (companies related to energy) such as VDE (Vanguard Energy Index Fund ETF Shares) If you look ...
by Pablov
Thu Apr 09, 2020 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: [Auto insurance companies issuing refunds due to coronavirus]
Replies: 103
Views: 7482

Re: [Auto insurance companies issuing refunds due to coronavirus]

I was looking for progressive's # on their site and found the following: >>> Personal auto premium credit Many of you are staying home to minimize exposure and spread of COVID-19. While you’re doing your part to fight the pandemic, we’re committed to being there in your time of need. If you have an ...
by Pablov
Mon Mar 30, 2020 1:37 pm
Forum: Investing - Theory, News & General
Topic: Why shouldn´t I buy oil futures now?
Replies: 92
Views: 7392

Re: Why shouldn´t I buy oil futures now?

I am with you TheoLeo in that prices for oil will go up. For sure. The question is when. If you don't mind the possibility of having to hold on to your bet for a possible long(er) time period you will likely make money. Will it be enough to make up for the longer time frame or not....beats me. But m...
by Pablov
Wed Mar 25, 2020 10:59 am
Forum: Investing - Theory, News & General
Topic: So.... is this really "it"? Is this what we needed to mentally prepare for?
Replies: 158
Views: 14558

Re: So.... is this really "it"? Is this what we needed to mentally prepare for?

OP, approx how old are you? I'd hate to spoil your happiness, but I don't think this is anywhere near as scary as either 2008 or 2001. 2008 scared me the most, though I was still able to pinch my nose and rebalance a couple of times. You'll know it's bad when you (and everyone else) is/are scared t...
by Pablov
Tue Oct 01, 2019 8:55 am
Forum: Personal Finance (Not Investing)
Topic: need advice negotiating with car maker for problems with new car
Replies: 30
Views: 1760

Re: need advice negotiating with car maker for problems with new car

The lemon law does not apply because the issue is the driver's seat trim is all out of whack. In California the lemon law states it must be a serious defect that can cause injury or death, there is more including the number of times the issue needs to be fixed . I am still on my first repair attemp...
by Pablov
Mon Jul 15, 2019 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: How to bring this money to the USA?
Replies: 10
Views: 1646

Re: How to bring this money to the USA?

So your friend will likely have to consider it a gift and pay taxes on the money as income. The only thing that can be done to control the tax liability is to take out a small amount each year - perhaps allowing him to stay in a lower tax bracket. Gift taxes are paid by the person giving the gift a...
by Pablov
Mon Jul 15, 2019 4:16 pm
Forum: Personal Investments
Topic: Low cost index fund Vs Mortgage
Replies: 18
Views: 1519

Re: Low cost index fund Vs Mortgage

I am open for any other ideas too. I am also considering whether to partially pay off my mortgage (3.75% fixed with close to 20 yrs to go) or to invest the money. I called my bank to see my options assuming I could reduce the monthly payment, reduce the term or both. Long story short, they said bot...
by Pablov
Tue Apr 02, 2019 1:29 pm
Forum: Personal Consumer Issues
Topic: cost analysis on buying vs. renting skis?
Replies: 28
Views: 2879

Re: cost analysis on buying vs. renting skis?

Start with the helmet! We ski 7-10 days per year at different (larger) resorts and I've noticed a set of skis/boots/poles rents anywhere from 28 to 35 per day (regular equipment) and does not include the helmet. The helmet is offered separately and it can go from about 8-15 per day. Quite expensive ...