Search found 335 matches

by weltschmerz
Mon Jun 18, 2018 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Messy Divorce -- Forensic Accounting Help....
Replies: 120
Views: 9697

Re: Messy Divorce -- Forensic Accounting Help....

She might have squirreled away $200k, and you’re going after your fair share? Bad move. Just move on with your life. Putting all of this behind you, as quickly as possible, is the right move. I’ve seen several couples go through divorces, and when it lingers due to custody issues or money, it will w...
by weltschmerz
Fri Jun 15, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: Private Sale test drive
Replies: 13
Views: 1203

Re: Private Sale test drive

All buyers I have met with come in their car. I hand them the keys to mine and let them go for a drive. I usually sit right next to their car and wait. If they steal it... well, I have insurance. There are more important things to worry about in life! Not sure about this. I have an 8-year old Jeep ...
by weltschmerz
Fri Jun 15, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: Too much house vs. just enough
Replies: 38
Views: 3355

Re: Too much house vs. just enough

The age of your boys is relevant to the discussion. If they're teenagers, they'll be out of the house soon (hopefully), so you don't need to upsize your housing. I was watching a rerun of House Hunters the other night, and this couple "needed" a bigger house for themselves and their 3 teen-aged daug...
by weltschmerz
Fri Jun 15, 2018 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Back to Treasurys...
Replies: 17
Views: 1991

Re: Back to Treasurys...

Ah yes, the strategy of eeking out every last penny of profit by buying the treasuries yourself. I have been down that road. Never again. Just pick the amount of duration risk you want, and buy the corresponding mutual fund or ETF. Paying the 0.1% expense ratio is worth it for simplicity. You're los...
by weltschmerz
Thu Jun 14, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: Drive from Phoenix to San Diego
Replies: 42
Views: 2450

Re: Drive from Phoenix to San Diego

I did a road trip around the Southwestern US in late June of last year. I got to areas around Sedona, which was beautiful and totally worth seeing, but it was >100 degrees, so I didn't even get out of the car to do any hiking. Flagstaff was a bit cooler (It's 7000' up there). If you're driving from ...
by weltschmerz
Thu Jun 14, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Renting vs Buying a Home
Replies: 24
Views: 1598

Re: Renting vs Buying a Home

I am going to make this real easy for you. Use the following rule of thumb: Monthly Rent x 200 = PRICE If PRICE is more than what houses cost in your neighborhood, then you should buy. If PRICE is less than what houses cost in your neighborhood, then you should rent. In your specific case, your mont...
by weltschmerz
Sun Jun 10, 2018 12:41 am
Forum: Investing - Theory, News & General
Topic: Harry Browne Permanent Portfolio Discussion (Cont'd)
Replies: 659
Views: 151724

Re: Harry Browne Permanent Portfolio Discussion (Cont'd)

Boundless energy is spent on this forum debating portfolio composition, yet most of the widely publicized portfolios have had remarkably similar long-term performance. Yes that's true, but it is all in the context of the 30-year bull market for bonds, which is not to be repeated anytime soon. If yo...
by weltschmerz
Thu Jun 07, 2018 10:53 pm
Forum: Personal Consumer Issues
Topic: Switching car insurance agents
Replies: 15
Views: 1344

Re: Switching car insurance agents

GEICO and you're done.
Best decision I have made.
Good support, cheap price.
by weltschmerz
Thu Jun 07, 2018 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Stuck in Quicksand (Guidance Appreciated)
Replies: 46
Views: 3351

Re: Stuck in Quicksand (Guidance Appreciated)

You've made it to your late 30s, with a family to support, but are feeling unfulfilled by your career, and you want to make $150-200k. The obvious path is for you to Stay Put, and bust your ass, take overtime, extra clients, whatever it takes to get as much money as you can and support your family, ...
by weltschmerz
Thu Jun 07, 2018 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed CD @ 3% - 5 year
Replies: 16
Views: 2175

Re: Penfed CD @ 3% - 5 year

I read the title of this thread, and I thought it was referring to the old CDs from 2013. Back then, in Dec. 2013, PenFed came out with the 3% 5 year CD, and it blew every other bank away! It was way higher than everyone else, and lots of people here jumped on it, including myself. Now 5 years later...
by weltschmerz
Mon May 21, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 12216

Re: done with Gmail

OP, I recommend you do the following in the future: 1) create new password in Notepad or any text editor. Or if you create the password in Keepass, copy it and paste it into the text editor. 2) Save Notepad file to your desktop. 3) copy password out of the Notepad file. 4) paste password where neede...
by weltschmerz
Thu May 10, 2018 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: ques
Replies: 47
Views: 4500

Re: Should I pay cash for a house?

I love the idea of paying cash, but it's currently a huge % of your net worth. I'm sure there's a rule of thumb for this, maybe no more than 33% of your net worth would be prudent, in keeping with the teachings of the Talmud. However, if you have a stable income, and will be re-accumulating a nice n...
by weltschmerz
Thu May 10, 2018 10:48 pm
Forum: Personal Consumer Issues
Topic: How to remove garden hose nozzle that is stuck on a hose
Replies: 40
Views: 3603

Re: How to remove garden hose nozzle that is stuck on a hose

I agree with the 2 wrench solution. Put a wrench on the hose, another on the nozzle, and twist. If it don't budge, then find a stronger friend! I recently went through a problem similar to this, involving replacement of a cartridge in my shower faucet. It is a Delta 1700 series, and it has a "bonnet...
by weltschmerz
Wed May 02, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: What Android browser do you use?
Replies: 44
Views: 2692

Re: What Android browser do you use?

Here's another vote for BRAVE. Give it a try. Very easy to migrate to if you're used to Chrome.
by weltschmerz
Fri Apr 27, 2018 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: The Paperless Life
Replies: 45
Views: 4178

Re: The Paperless Life

I went on a quest to become paperless back in 2009. Started scanning everything, and downloading every PDF from every institution I did business with. Years later, I realized that I got tired of keeping 2 or 3 digital backups of everything (you can't risk keeping just 1 digital copy). Plus you shoul...
by weltschmerz
Fri Apr 27, 2018 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 140
Views: 13839

Re: New Car: Ever make sense to lease?

I leased a car 2.5 years ago (VW e-Golf), it was a good decision for me for two reasons: 1) It only has a range of 85 miles which is pretty low these days. 2) I moved into a condo without a garage to charge it. I am reliant on public chargers now, although my condo complex is installing chargers soo...
by weltschmerz
Thu Apr 12, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: In need of a new Vacuum
Replies: 58
Views: 4015

Re: In need of a new Vacuum

I have been happy using a cheap Hoover upright and a micro canister vacuum, which I bought as a set for around $100 many years ago. But now, thanks to this thread, I now know about these fancy Miele canisters that cost $1000, and after researching them, of course they are probably much better. I hav...
by weltschmerz
Mon Apr 09, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: Toyota 4 Runner
Replies: 39
Views: 3689

Re: Toyota 4 Runner

I have never owned a 4runner, but 2 things would concern me: 1) Total lack of advanced safety technology, in a vehicle costing >$35k! 2) The location of the spare tire under the rear of the car. Gets super grimy and seems hard to access. I prefer a spare inside the cabin, as is the case with my Gran...
by weltschmerz
Tue Apr 03, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Experience selling car to Carmax?
Replies: 103
Views: 133885

Re: Experience selling car to Carmax?

So I got offers from Carvana and Vroom (both very easy, and within $50 of each other, almost exactly KBB trade-in value) and from Carmax (about $1500 less than Carvana/Vroom, but still $1500 above the lowball offers through Craigslist). Thanks for the info about Carvana and Vroom, I did not know ab...
by weltschmerz
Wed Mar 28, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: Not going to be buying chicken for a while...
Replies: 65
Views: 9444

Re: Not going to be buying chicken for a while...

I used to be into breasts, but now I'm a thigh man. Also, I got tired of dealing with the "chicken juice", so now I just open the packages with a knife and put them directly into be a glass baking dish. Cover with foil, and cook for 40 minutes at 375F. Then there is no worry about getting bacteria a...
by weltschmerz
Sun Mar 25, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 278
Views: 39826

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Can you take your car to CarMax and sell it to them? As long as the check engine light is not on, you're not hiding any problems, since this oil dilution issue is a "feature" on all the CRVs. Take the loss of several $1000s of dollars and buy a different car, lesson learned. You're not going to solv...
by weltschmerz
Mon Mar 12, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford house in VHCOL area?
Replies: 17
Views: 2221

Re: Can I afford house in VHCOL area?

I am not thrilled to see someone with almost a $1M in assets and an income of $270k asking if they can buy a house. It is a world gone mad.... Is there any way to access decent schools from your current place? The transactional costs of moving are always high. Is there a good private school in the a...
by weltschmerz
Mon Mar 12, 2018 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Please Be Brutally Honest...
Replies: 17
Views: 5060

Re: Please Be Brutally Honest...

OP, your situation looks good, you have rental property income, and you are working to max out your IRAs. In 20 years, when you have a 7-figure portfolio, you will look back at this post fondly and laugh at statements like "I have to put $3,000 in the High Yield Bond Fund to open it". Keep is simple!
by weltschmerz
Mon Mar 12, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Need help on car decision: Honda CRV vs luxury car used
Replies: 62
Views: 4565

Re: Need help on car decision: Honda CRV vs luxury car used

Over the weekend looked at 3 cars: Honda CRV, Toyota Rav 4, Mazda CX5. For the price, I decided the Honda CRV was the best car for me Can you explain this? I have been watching a lot of car reviews, and they all come to the conclusion that the Mazda is next-level, way above the Honda and Toyota. Th...
by weltschmerz
Mon Mar 12, 2018 8:59 pm
Forum: Personal Consumer Issues
Topic: Bicycle Commuting in LA - Thoughts?
Replies: 100
Views: 5296

Re: Bicycle Commuting in LA - Thoughts?

A lot of this also depends on the bike culture in your town. I was in Seattle last year, and the bike culture is amazing there, at least in the South Lake Union, Queen Anne, Ballard areas. Even on a rainy day, I saw tons of bike commuters, all bundled up and riding bikes with fenders. With so many b...
by weltschmerz
Mon Mar 12, 2018 8:40 pm
Forum: Personal Consumer Issues
Topic: Bicycle Commuting in LA - Thoughts?
Replies: 100
Views: 5296

Re: Bicycle Commuting in LA - Thoughts?

This time of the year, the weather is cool and bike commuting seems doable. But soon the temps will rise, and for 6 months, a 7-mile bike commute with hills will result in you arriving to work VERY sweaty. I did a 4-mile bike commute a few times last summer in SoCal, it took me a few hours to cool d...
by weltschmerz
Fri Feb 16, 2018 10:43 pm
Forum: Personal Consumer Issues
Topic: How to cancel TV and not Internet w/ Spectrum Time Warner
Replies: 18
Views: 1987

Re: How to cancel TV and not Internet w/ Spectrum Time Warner

I am in the same boat as you, Spectrum vs. AT&T. Spectrum has been OK (just raised my internet fee to $64.99/month). If I ever have any problems, I would consider switching to AT&T, but I doubt they'd be any cheaper... Why do you think AT&T would be worse? They have U-verse, which is supposedly fibe...
by weltschmerz
Fri Feb 16, 2018 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: When do IRA's stop making sense?
Replies: 37
Views: 2957

Re: When do IRA's stop making sense?

If I had a $30k traditional IRA, not sure I'd bother with the backdoor Roth due the complexities. The whole 'pro-rata' thing...

What about 529s? You have 2 kids, so that might be a good way to stash some cash.
by weltschmerz
Fri Feb 16, 2018 10:23 pm
Forum: Investing - Theory, News & General
Topic: Chillin' in the BH Lounge
Replies: 46
Views: 5683

Chillin' in the BH Lounge

Welcome to the BH Lounge, come in and grab a chair. Warm yourself by the fire, I know it's cold out there. I got some great advice, that you'll appreciate. How to pay less taxes, both federal and state. "Should I be maxing out my Roth IRA?" Absolutely, that and the 401k. "What do you think about 100...
by weltschmerz
Fri Feb 16, 2018 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Transition AA 100% equities to 70/30
Replies: 4
Views: 611

Re: Transition AA 100% equities to 70/30

Your question can only be correctly answered by someone who owns a functional crystal ball. If it were me, I would probably do a little bit each month instead of all at once. We just had a big stock market drop, so why sell off 30% of your stocks right after that? The market seems to be back on an u...
by weltschmerz
Thu Feb 15, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 38
Views: 3066

Re: Cell phone service

Republic Wireless, been using them for 3 years. Good coverage (they use Sprint's network), and cheap (< $20/month for my plan).

I would also consider Google's Project Fi.
by weltschmerz
Thu Feb 15, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: Any Creative Ways to Cut the Cable?
Replies: 49
Views: 4742

Re: Any Creative Ways to Cut the Cable?

Hulu really is a pretty good substitute for most of the network stuff. NBC, ABC, FOX stuff is all on there, but CBS is lacking. The only thing use my "bunny ears" for at this point is live NFL games, and even that is moving online: https://www.bloomberg.com/news/articles/2018-02-16/amazon-youtube-tw...
by weltschmerz
Thu Feb 15, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 159
Views: 14098

Re: What big item (>20k) are you saving up for?

FWIW, Corn18 has had several updates about his watch-buying phase. I think he ended up spending $270k in a short amount of time on watches and then realized he wasn't into it. I think he re-sold almost all of them and now wears a Timex (or the like). Humans spend their hard-earned money in very str...
by weltschmerz
Thu Feb 15, 2018 9:31 pm
Forum: Investing - Theory, News & General
Topic: Best Treasury Bond Fund/ETF for Taxable Accounts
Replies: 17
Views: 2522

Re: Best Treasury Bond Fund/ETF for Taxable Accounts

raven15 wrote:
Thu Feb 15, 2018 1:23 am
Anyhow, the conclusion was that SCHR is the intermediate treasury bond champion.
Good to see someone else came to the same conclusion. VGIT is definitely a very close second-place though.
by weltschmerz
Thu Feb 15, 2018 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Average Cost to SpecID questions: Did Vanguard do this correctly?
Replies: 52
Views: 2183

Re: Average Cost to SpecID questions: Did Vanguard do this correctly?

I believe that Vanguard is allowed to do this even after more than one year, but is not required . In any case, today I elected SpecID for VWLUX (which generated a confirmation number BTW). The Cost Basis page now shows "Specific ID", but does not yet let me see the details for the one tax lot. Pre...
by weltschmerz
Thu Feb 15, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Used Chevy Volt - Which year should I look at?
Replies: 33
Views: 2822

Re: Used Chevy Volt - Which year should I look at?

I didn't read all the posts, but I just saw an article this week on the top 10 quickly depreciating cars. The Volt was on the list. So, I guess that can be good or bad depending on your perspective. I think those type of lists are usually pretty unfair to electric cars, because they don't account f...
by weltschmerz
Wed Feb 14, 2018 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Deciding Between Treasuries and Munis in Taxable
Replies: 15
Views: 1737

Re: Deciding Between Treasuries and Munis in Taxable

I also do have access to a state muni fund, but am a little worried about concentration risk. I'm in CA, and the intermediate-term tax-exempt fund has a 2.12% SEC Yield / (1 - .9 - .24) => 3.16% tax-equivalent yield, by my math. So I don't know - could put some of it there? Here's the math: VCADX: ...
by weltschmerz
Wed Feb 14, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 119
Views: 11323

Re: Honda vs. Toyota: Which has more bang for the buck?

My anecdotal experiences: 2012 Honda Accord (owned): engine revs high, lots of road noise, uncomfortable driver's seat with the headrest forcing my head forward 2010 Toyota Yaris (owned): transmission shifted so smoothly, lots of road noise, but cheap to maintain 2016 Toyota Camry (rented): silky sm...
by weltschmerz
Wed Feb 14, 2018 2:05 pm
Forum: Investing - Theory, News & General
Topic: Best Treasury Bond Fund/ETF for Taxable Accounts
Replies: 17
Views: 2522

Re: Best Treasury Bond Fund/ETF for Taxable Accounts

I would say use VGIT at vanguard or SCHR if you are at schwab. Negligible difference. If you believe that low cost active management can add value then use VFIUX if you can afford the 50k for admiral shares. I believe vanguard can make up 3 basis points of difference long term vs. the index. In the...
by weltschmerz
Wed Feb 14, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 107
Views: 8912

Re: PSA: Bank of America now charges $12/month for checking

They make you keep $1500 there, earning 0%. You could get 2% elsewhere in a savings account or CD, and that lost 2% equals about $30/year. $30 a year seems like a fair price for your checks and your safe deposit box.
by weltschmerz
Wed Feb 14, 2018 12:59 pm
Forum: Investing - Theory, News & General
Topic: Best Treasury Bond Fund/ETF for Taxable Accounts
Replies: 17
Views: 2522

Best Treasury Bond Fund/ETF for Taxable Accounts

I am trying to determine the BEST intermediate-term US treasury bond fund/ETF for use in a taxable account. By best, I mean: - should hold only US treasuries - low expense ratio - should be tax efficient (not a lot of yearly capital gains) The contenders are: Vanguard Intermediate-Term Treasury Fund...
by weltschmerz
Tue Feb 13, 2018 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Deciding Between Treasuries and Munis in Taxable
Replies: 15
Views: 1737

Re: Deciding Between Treasuries and Munis in Taxable

If you were really itching to save those 10 bps, you could probably build your own Treasury latter and not have to pay the fund's expense ratio. I don't think that's worth the time, but it's an option that exists. I did this for many years, and it is definitely not worth the hassle. Let's say the f...
by weltschmerz
Tue Feb 13, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Number at which to stop worrying
Replies: 170
Views: 18533

Re: Number at which to stop worrying

Sadly, I agree with the responses that say $10M or 100x yearly expenses. That's feels about right. In my case, I'm burning through about 70k per year, and I could live for another 50 years (best-case). Add in another $1M for long-term care or medical expenses, and I need about $4.5M. Man, I ain't ev...
by weltschmerz
Tue Feb 13, 2018 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Job is starting to suck the life out of me.
Replies: 80
Views: 10177

Re: Job is starting to suck the life out of me.

OP, time to start shopping around for a new job. I was in a similar boat as you. It took awhile to find a good replacement job, but I'm much happier in life since I did. On a related note, if they could care less, that implies that they do care. I believe you mean that they couldn't care less. http...
by weltschmerz
Tue Feb 13, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: New cars or Pool?
Replies: 71
Views: 6726

Re: New cars or Pool?

No Pool! I wish we still had polls on Bogleheads, if we did, I bet 95% of people would say no pool! I had a hot tub once, the ongoing maintenance of the water quality was a real PITA. Of course with the larger volume of the pool, there is more stability. I would never consider living in a house with...
by weltschmerz
Tue Feb 13, 2018 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Deciding Between Treasuries and Munis in Taxable
Replies: 15
Views: 1737

Re: Deciding Between Treasuries and Munis in Taxable

....with virtually equivalent after-tax yields this feels like a no-brainer indeed. I'm glad you brought this up when you did. I had been considering opening up a position in Intermediate Munis (VWIUX or BMBIX), but after seeing these numbers, I think I'll just stick with the Treasuries. In fact, I...
by weltschmerz
Tue Feb 13, 2018 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Deciding Between Treasuries and Munis in Taxable
Replies: 15
Views: 1737

Re: Deciding Between Treasuries and Munis in Taxable

It's a no brainer. Treasuries for the win. The yield is good enough, and I want that "flight to safety" if the stock market really falls. For me, as long as the after-tax yield on Treasuries is within 1% of what I could get from CDs or munis, I always go with the Treasuries. Of course, I followed Ha...
by weltschmerz
Tue Feb 13, 2018 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should I claim chapter 7 bankruptcy? debt 110k
Replies: 64
Views: 7166

Re: Should I claim chapter 7 bankruptcy? debt 110k

OP, You seem like a smart person who got burned by a low probability event, just like the guys at LTCM back in the '90s. I'm sure you'll be back on your feet in no time. We have a poster named "market timer" who went through something similar. Basically, this guy got himself into trouble with margin...
by weltschmerz
Tue Feb 13, 2018 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: automatic sweep out of brokerage settlement fund
Replies: 3
Views: 560

Re: automatic sweep out of brokerage settlement fund

Why not just embrace the new Federal Money Market fund? The yield is only slightly lower than Prime Money market (-0.17%). Do a manual sweep over to Prime once or twice a year, and you probably didn't lose much.
by weltschmerz
Tue Feb 13, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Simplifying the Financial Records
Replies: 8
Views: 1157

Simplifying the Financial Records

For the past 20 years, I have been keeping a detailed spreadsheet of all of my financial transactions. This includes all investments, checking accounts, and credit card accounts. Every month, as soon as a new statement arrives, I input the data into my spreadsheet and make sure everything checks out...