Search found 78 matches

by LoveTheBogle
Mon May 25, 2020 10:47 am
Forum: Personal Finance (Not Investing)
Topic: LLC or as individual when investing in CRE syndication?
Replies: 10
Views: 537

Re: LLC or as individual when investing in CRE syndication?

I dunno, travel to conferences for other investment opportunities comes to mind. Subscribing to industry research, etc. not sure if you can expense these as an individual. Where would the investment cash flows be put on a personal income tax return? You probably need to consult with an accountant. ...
by LoveTheBogle
Thu May 21, 2020 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: LLC or as individual when investing in CRE syndication?
Replies: 10
Views: 537

Re: LLC or as individual when investing in CRE syndication?

I'm not a tax accountants but AFAIK a single member LLC would-be a disregarded entity as far as taxes are concerned. You'd owe the same tax either way. If you elected to be taxed as an S Corp that might change things. I don't think it would save you any taxes. What business expenses a would the LLC...
by LoveTheBogle
Tue May 19, 2020 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Which refinance option to choose? Need some advices to make best decision
Replies: 8
Views: 552

Re: Which refinance option to choose? Need some advices to make best decision

How long you intend to stay in the loan is a critical factor that I don’t see provided.
by LoveTheBogle
Tue May 19, 2020 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Email from Vanguard [for a Retail Investor Group consultation]
Replies: 33
Views: 3415

Re: Email from Vanguard

Not a big fan of unsolicited email or phone calls. He is likely interested in selling you something. Report back on purpose of call if you agree to one.
by LoveTheBogle
Tue May 19, 2020 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: LLC or as individual when investing in CRE syndication?
Replies: 10
Views: 537

LLC or as individual when investing in CRE syndication?

Is there any tax advantage using an LLC taxed as partnership versus as an individual when investing in passive non-manager commercial real estate syndication entity? My concern is that a single member LLC or a husband and wife LLC may be considered a disregarded entity and/or may end up subject to s...
by LoveTheBogle
Tue May 19, 2020 2:27 pm
Forum: Personal Investments
Topic: Sold some stock on new highs today!
Replies: 23
Views: 2328

Re: Guys, I got out! (sold equities)

Changing your AA because you FEEL things are high and irrational is market timing.

Lump sum it, or not, it doesn’t really matter with market timing.

Good luck.
by LoveTheBogle
Tue May 19, 2020 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Private Mortgage Insurance
Replies: 13
Views: 434

Re: Private Mortgage Insurance

If you can’t put 20% down then you should find a home in which you can. It sounds like your parents are living beyond their means. That PMI seems very low for 15% down and 300k mortgage. Keep in mind the 5k builder credit for using their mortgage arm is given regardless of pmi. In the same vein, und...
by LoveTheBogle
Tue May 19, 2020 12:17 pm
Forum: Personal Consumer Issues
Topic: Hot Tub hard water
Replies: 8
Views: 565

Hot Tub hard water

My outdoor hot tub dries my skin out! I know that the city water is extremely ‘hard’ so inside our home we have a salt based water softener. What does one do for the hot tub? The hot tub manual specifically says not to use soft water from the house but then doesn’t offer any suggestion on softening ...
by LoveTheBogle
Wed May 13, 2020 10:21 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 224
Views: 13324

Re: Delta Sky-nightmare

Are you bilingual? I tried 800-327-2850. It is an Asian pacific line that can communicate in Japanese Korean and Chinese. Or try DoT complain website? You know what's funny? I actually tried this line and tried Japanese first and then Korean second. Everything is diverting back to the main Delta En...
by LoveTheBogle
Wed May 13, 2020 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Who services Ally Home Loans Mortgage?
Replies: 20
Views: 1174

Re: Who services Ally Home Loans Mortgage?

Thanks. I am pretty sure Ally does not service the loan. I was just curious who others have ended up with as the loan services. So The Money Source? Any experience with them? Right now, all/most mortgages Better is writing are staying with TMS because many servicers have stopped buying (or severely...
by LoveTheBogle
Wed May 13, 2020 10:12 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10783

Re: Dentist charges $10 for PPE

Dental insurance is a major scam. The United States as a whole needs to divorce the dental insurance as an employment benefit. Don’t give insurance and simply pay people more. Let people decide how and where they spend their money. If they don’t want to spend it on routine visits then don’t bail the...
by LoveTheBogle
Tue May 12, 2020 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Appraiser is asking for more money in the middle of refinance process, legal?
Replies: 36
Views: 3220

Re: Appraiser is asking for more money in the middle of refinance process, legal?

Hey everyone OP here, thanks for your input ...I really appreciate the sanity check. I believe I have enough now to take on the lender and make my arguments, if they say no I will just walk away...plenty of other lenders out there who offer good rates. I think two things may have happened: (1) the ...
by LoveTheBogle
Tue May 12, 2020 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Appraiser is asking for more money in the middle of refinance process, legal?
Replies: 36
Views: 3220

Re: Appraiser is asking for more money in the middle of refinance process, legal?

The lender made a disclosure of the appraisal fee as an estimate. The lender, nor the appraiser, know enough about your home from day 0 of the refinance process to know if it may require more money. Look up the term “estimate” in the dictionary. Is your house large in size, unique in design or consi...
by LoveTheBogle
Thu May 07, 2020 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 336
Views: 38520

Re: My LenderFi refinance is going well

A lot of small correspondent lenders are in big trouble because they are not setup nor properly capitalized to service mortgage loans. The fact that many of you didn’t know where to make your mortgage payment even up to the date before it was due is incredibly unprofessional. Many people in the thre...
by LoveTheBogle
Mon Mar 23, 2020 10:46 am
Forum: Personal Investments
Topic: TLH with ETFs strategies
Replies: 1
Views: 151

Re: TLH with ETFs strategies

No strategies?
by LoveTheBogle
Sun Mar 22, 2020 10:58 pm
Forum: Personal Investments
Topic: TLH with ETFs strategies
Replies: 1
Views: 151

TLH with ETFs strategies

What strategies do you have to tax loss harvest using ETFs? It seems as though this is one area that mutual funds “exchange” feature comes into play. During high volatility times such as now trying to TLH during low volume times such as during lunch may be best. Do you use limit or market orders? Do...
by LoveTheBogle
Fri Mar 20, 2020 11:29 am
Forum: Personal Finance (Not Investing)
Topic: TLH short and long term?
Replies: 1
Views: 121

TLH short and long term?

I have a large portion of losses in short term. I have a small portion in long term. All are losses and all in one index fund. Is there any reason to keep the long term tax lots? I am thinking just in case things go up and I need access to the money it would be better to sell the long term as gain r...
by LoveTheBogle
Wed Mar 18, 2020 4:31 pm
Forum: Personal Investments
Topic: Vanguard potential issue with filled price
Replies: 20
Views: 1155

Re: Vanguard potential issue with filled price

Anyone else find this odd?
by LoveTheBogle
Wed Mar 18, 2020 12:24 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128919

Do you sanitize your groceries? COVID-19

[merged this topic and its replies into the existing topic - moderator prudent] As the virus continues and more and more people are infected there inevitably be a grocery store stocker, a grocery store delivery person, etc that will have contaminated hands touching boxed goods, plastic goods and th...
by LoveTheBogle
Wed Mar 18, 2020 12:19 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128919

Can we digest COVID-19?

[merged into existing thread - moderator prudent] I keep hearing of others getting take out. Fast food only allowing drive up. Food delivery services, etc. Uhhhh what happens if someone with COVID-19 sneezed in the prep kitchen and some droplets get in the food? Or they prep food with hands that ha...
by LoveTheBogle
Wed Mar 18, 2020 10:51 am
Forum: Personal Investments
Topic: Vanguard potential issue with filled price
Replies: 20
Views: 1155

Re: Vanguard potential issue with filled price

I find it incredibly difficult to believe that my measly 500 shares (well only 497 of them) was the absolute first transaction of the day (open price). I’m going to assume it plummeted at market open which is why my 3 shares were executed 2% lower. Edit: just checked using minute time chart and sure...
by LoveTheBogle
Tue Mar 17, 2020 11:53 pm
Forum: Investing - Theory, News & General
Topic: Deploying your emergency fund to buy stocks? Think again.
Replies: 183
Views: 29403

Re: Deploying your emergency fund to buy stocks? Think again.

What about at 80% off market peak? Am I allowed to dip into ef then? :D
by LoveTheBogle
Tue Mar 17, 2020 9:58 pm
Forum: Personal Investments
Topic: Vanguard potential issue with filled price
Replies: 20
Views: 1155

Vanguard potential issue with filled price

I have a concern that I want to run by the team before I call vanguard. To keep it simple I’m going to use fictitious numbers. On 3/12 I placed a limit order to buy 500 of vanguard index fund VTI I don’t recall what price I put for the limit (is there anywhere in Vanguard I can see actual order plac...
by LoveTheBogle
Sat Feb 29, 2020 3:02 pm
Forum: Personal Investments
Topic: I bet the house. [Rebalanced portfolio to a 10/90 asset allocation]
Replies: 255
Views: 10082

Re: I bet the house.

My favorite is that he said he sold 90% before the sell off. I wonder why he didn’t post that when he did it?

If you want to be totally transparent post your trades and fill prices when you do it not several days later when it makes you sound smart. It’s all luck anyway, even if true.
by LoveTheBogle
Thu Feb 27, 2020 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1585
Views: 217947

Re: Fidelity as a one stop shop

Few questions for the Bogleheads hive: 1. Are monthly statements produced per account or combined? If you have ira, 401k, HSA, taxable, etc will you have 4 February statements or will you have one? 2. Does the portfolio analyzer ( or whatever Fidelity calls it that shows a pie chart of you asset all...
by LoveTheBogle
Wed Feb 12, 2020 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: iPad for Financial Transactions on the Internet
Replies: 28
Views: 2761

Re: iPad for Financial Transactions on the Internet

rockylou wrote:
Wed Feb 12, 2020 7:31 pm
I do everything on my iPad, except completing my taxes. I did install vpn (included with my norton anti virus software) so hopefully safe if out using wifi
You may want to research what a VPN does.
by LoveTheBogle
Wed Feb 12, 2020 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC or refinance in AZ compromise homestead?
Replies: 1
Views: 186

HELOC or refinance in AZ compromise homestead?

I heard many years ago that in Arizona you should never refinance or get a HELOC on your primary home because you’ll lose some homestead benefits or something about bankruptcy law. This in fact seems opposite of what would really happen. Looking at the statute it is $150k homestead exemption and if ...
by LoveTheBogle
Wed Feb 12, 2020 6:31 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128919

Re: Coronavirus (Consumer Issues) How you are preparing?

Many, many years ago I would refrain from shaking hands with people when I had a cold, but that is so impolite and it sort of half-freaked people out... and it's downright insulting to refuse somebody else's hand if they offer it. I kind of wish the authorities would conduct a serious campaign to c...
by LoveTheBogle
Thu Jan 30, 2020 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: HSA with TD Ameritrade add on transfer to Fidelity
Replies: 3
Views: 438

HSA with TD Ameritrade add on transfer to Fidelity

Anyone here have experience with transferring your Elements credit union or any other provider HSA that has the TD Ameritrade component to Fidelity HSA?

If so, did you first move all funds from td back to elements or did you simply just tell Fidelity your elements info and they did the rest?
by LoveTheBogle
Thu Jan 30, 2020 10:41 am
Forum: Personal Consumer Issues
Topic: Considering an iPad. Is it worth it?
Replies: 116
Views: 6987

Re: Considering an iPad. Is it worth it?

There is a $250 latest model. Just buy it and try for yourself. I simply use one for movies on planes and to enjoy BH on a larger screen than a phone.

If I want to be productive I hop on the laptop.
by LoveTheBogle
Thu Jan 30, 2020 10:37 am
Forum: Personal Consumer Issues
Topic: Phone call spam. Do you get it at your office?
Replies: 16
Views: 829

Phone call spam. Do you get it at your office?

This is a simple observation that I wanted to check if others have observed. My cell phone gets a spam phone call once a day, at least. I have multiple business phones with phone numbers and not one single time in over a decade have I received a spam phone call on a business line. How could this be?...
by LoveTheBogle
Thu Jan 30, 2020 10:29 am
Forum: Investing - Theory, News & General
Topic: Fidelity business model. I don’t understand.
Replies: 82
Views: 8654

Re: Fidelity business model. I don’t understand.

OP here. I want to clarify that I don’t care that they profit off of customers, in fact, I encourage it. Profit is what allows businesses to innovate, compete, etc where the end user benefit. The concern is from a BH only perspective it seems like they wouldn’t have the profit to operate. Ie always ...
by LoveTheBogle
Wed Jan 29, 2020 10:44 pm
Forum: Investing - Theory, News & General
Topic: Fidelity business model. I don’t understand.
Replies: 82
Views: 8654

Fidelity business model. I don’t understand.

There is a race to the bottom in the brokerage business. I’ve been astonished at the overwhelming love for Fidelity here. I image most BH that use Fidelity are very low value to Fidelity similarly to my assumption that most BH are of low value to credit card companies. Even still, companies such as ...
by LoveTheBogle
Thu Jan 23, 2020 10:01 pm
Forum: Personal Investments
Topic: Customer Service & Ease-Of-Use: Vanguard vs. Fidelity
Replies: 45
Views: 3982

Re: Customer Service & Ease-Of-Use: Vanguard vs. Fidelity

HueyLD wrote:
Thu Jan 23, 2020 1:09 pm
I think Vanguard customer service is great because I call them only once in a blue moon.
Because you call them rarely makes their customer service great?

OP - flip a coin or open at both and experience both.
by LoveTheBogle
Wed Jan 15, 2020 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 336
Views: 38520

Re: My LenderFi refinance is going well

abyan wrote:
Wed Jan 15, 2020 1:12 pm
Same thing happened with me. He tried to see if we could get it waived, but we couldn't (and I have almost 50% equity).
Are you considering the $500 appraisal fee in your $900 loan cost calculation?
by LoveTheBogle
Wed Jan 15, 2020 5:52 pm
Forum: Personal Investments
Topic: Who’s Buying Bitcoin?
Replies: 307
Views: 18120

Re: Who’s Buying Bitcoin?

As someone who’s bought in the past and made out well... Why are you buying now rather than last year when it was cheaper? Honestly, just found out about it recently, been researching. The more I read about it the more I feel it’s the future. And my gut says the price goes to 20k in 2020 so it’s ch...
by LoveTheBogle
Wed Jan 15, 2020 2:11 pm
Forum: Personal Consumer Issues
Topic: Pickleball Shoes / tennis shoes
Replies: 22
Views: 1580

Re: Pickleball Shoes / tennis shoes

I play Pickleball outdoors 2-3 hours per day, five days a week and have “problem” feet. I have tried Adidas, Nike, New Balance and the new pickleball specific Fila court shoes. My favorite is the Adidas Adizero Ubersonic 3. They are the most comfortable and longest lasting court shoe that I have ev...
by LoveTheBogle
Tue Jan 14, 2020 6:42 pm
Forum: Personal Consumer Issues
Topic: Pickleball Shoes / tennis shoes
Replies: 22
Views: 1580

Pickleball Shoes / tennis shoes

I’ve been getting pretty serious playing pickleball and am in the market for new shoes. I have been playing with my casual “everyday athletic looking shoe” that I would wear outside of the courts. They are fairly flat and extremely light weight (cloth top). I have another pair of casual shoes that I...
by LoveTheBogle
Mon Jan 13, 2020 5:44 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Volvo with Swedish pickup/shipment to US option?
Replies: 19
Views: 1274

Re: Anyone bought a Volvo with Swedish pickup/shipment to US option?

Novice Q - Why does Volvo pay for 2 RT tickets, hotel stay and and such? Do they still make money on car price even after giving 9% off MSRP? Good questions which I can't answer. Maybe someone else can. I was told it was subsidized by the Swedish government as a tourist promotion. And manufacturers...
by LoveTheBogle
Sun Jan 12, 2020 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Hedging individual stock risk with low basis
Replies: 7
Views: 528

Re: Hedging individual stock risk with low basis

The proceeds from the sale are the cash and the stock. You will pay tax on both to the extent the combined total is greater than your basis. The value of the stock on date received is your basis that you will use to calculate the gain when you eventually sell that stock Mike This is correct. After ...
by LoveTheBogle
Sun Jan 12, 2020 11:31 am
Forum: Personal Finance (Not Investing)
Topic: How do you mentally process stupid ways of losing money?
Replies: 84
Views: 7472

Re: How do you mentally process stupid ways of losing money?

The issue is probably less about the dollar amount and more about your own personal expectations of near perfection. Will either event throw off your retirement goals? No. Just chalk it up as lesson learned and part of the unpredictable part of life that makes it so interesting.
by LoveTheBogle
Sun Jan 12, 2020 10:45 am
Forum: Personal Investments
Topic: Am I Just Lucky and Taking Too much risk?
Replies: 40
Views: 5598

Re: Am I Just Lucky and Taking Too much risk?

Not true. You take credit risk as well. Note that only 46% of the bond held in this ETF are investment grade. 20% are non-investment grade (junk) and 34% are not rated at all. So more than half of the bonds are non-investment grade. There is a reason the yield is north of 5% currently. >>>>>>>>>>>>...
by LoveTheBogle
Thu Jan 09, 2020 9:54 pm
Forum: Personal Consumer Issues
Topic: How to organize your photos
Replies: 39
Views: 3243

Re: How to organize your photos

Another vote for Google Photos. It's almost a little scary how much & how many ways it can organize a random mess of photos. By date, location, faces & objects . I have all my important photos on there, & once you get over / accept Google as your overlords, it's really effortless. If you have your ...
by LoveTheBogle
Thu Jan 09, 2020 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Spreadsheets - Out of here!
Replies: 134
Views: 14062

Re: Spreadsheets - Out of here!

After reviewing everything today, I clicked on the file and hit delete. It was rewarding. My heart skipped a beat when I read this. I can't imagine my life without spreadsheets. I've used them since the very first days of Visicalc on a tiny Apple II computer. And I expect to use them until I die. I...
by LoveTheBogle
Thu Jan 09, 2020 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Hedging individual stock risk with low basis
Replies: 7
Views: 528

Re: Hedging individual stock risk with low basis

The proceeds from the sale are the cash and the stock. You will pay tax on both to the extent the combined total is greater than your basis. The value of the stock on date received is your basis that you will use to calculate the gain when you eventually sell that stock Mike This is correct. After ...
by LoveTheBogle
Thu Jan 09, 2020 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question (pre-paid Feb 2020 mortgage in Dec 2019)
Replies: 4
Views: 418

Re: Tax question (pre-paid Feb 2020 mortgage in Dec 2019)

You accrue interest every day you have a mortgage based upon interest rate and unpaid principal balance. For tax purposes it gets reported when accrued interest is paid. Your January payment is set to pay your December interest. Your February most likely went toward principal but if they did apply i...
by LoveTheBogle
Thu Jan 09, 2020 5:24 pm
Forum: Personal Consumer Issues
Topic: Home Insurance Policy Increased by 26.8%!!
Replies: 27
Views: 2412

Re: Home Insurance Policy Increased by 26.8%!!

RickBoglehead wrote:
Thu Jan 09, 2020 5:01 pm
Hurricanes, earthquakes, ... We all have to pay for it.
Mine went up 30% and I live in a state that doesn’t have hurricanes or earthquakes. Are you saying that I’m paying for another states problems? :x
by LoveTheBogle
Thu Jan 09, 2020 11:32 am
Forum: Personal Consumer Issues
Topic: Vanguard Security Key
Replies: 53
Views: 5317

Re: Vanguard Security Key

Is it more secure to use a google voice number for 2FA over a cell phone number? I have seen discussions on this here in Bogleheads and in other forums. The potential risk with cell phones is that the phone number can be changed over to a different phone hardware (owned by the hijacker). The hijack...