Search found 11605 matches

by letsgobobby
Wed Dec 12, 2018 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Lost value in 529 savings
Replies: 7
Views: 247

Re: Lost value in 529 savings

Stocks go up, stocks go down. Did you know this when you made your initial investment? It's normal and something you have to get used to.
by letsgobobby
Mon Dec 10, 2018 1:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8542
Views: 1671071

Re: U.S. stocks in freefall

Mommy - is this a bear? About half of all S&P500 stocks are already in a bear market (CNBC this morning). I still think we're looking at a near or mild garden variety recession just based on economic fatigue but trade wars could certainly extend the damage. Housing is slumping, fed is still raising...
by letsgobobby
Sun Dec 09, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Car Damage Issue
Replies: 69
Views: 4001

Re: Rental Car Damage Issue

I was charged with $600 damage to a rental car in Hawaii. Upon request "Viking", to whom the rental agency had outsourced the claims process, sent me 23 pages of photos and documentation regarding the purported damage to the front bumper. I just sent them a photocopy of the little manila cardboard t...
by letsgobobby
Sat Dec 08, 2018 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Car Damage Issue
Replies: 69
Views: 4001

Re: Rental Car Damage Issue

BH friends, I rented a car for 24 hours while on vacation. In the 24 hours it was in my hotel parking lot (key pass required and enclosed) or I was driving it. It was parked one time for around 5 minutes grabbing lunch to go but the parking spot I got was at the end of a row so I always hug the cur...
by letsgobobby
Sat Dec 08, 2018 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Should we abandon the Roth IRA (for now)?
Replies: 19
Views: 1960

Re: Should we abandon the Roth IRA (for now)?

I've been spending the early days of December assessing our finances and thinking about any necessary adjustments to retirement savings in 2019. My spouse and I live in California, and I am a resident physician at a UC hospital. We contribute our mandatory 7.5% and 10.2% to our respective employer ...
by letsgobobby
Fri Dec 07, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: IRA trust
Replies: 5
Views: 349

Re: IRA trust

Anyone have any experience or knowledge about an IRA trust. We spoke to an attorney recently and discussed setting up a revocable trust. During the conversation this IRA trust came up. From what I got during the conversation the benefits include: 1. Can name trust since we cannot name minor childre...
by letsgobobby
Fri Dec 07, 2018 1:52 pm
Forum: Investing - Theory, News & General
Topic: Where did you think we'd be today, ten years ago?
Replies: 38
Views: 2847

Re: Where did you think we'd be today, ten years ago?

goblue100 wrote:
Fri Dec 07, 2018 10:34 am
letsgobobby wrote:
Fri Dec 07, 2018 10:06 am

Wow. Gas here is still over $3.
Where do you live? $1.88 commonly available around here. Dallas area.

To answer the question in the OP, I couldn't or didn't picture 10 years down the road. I was worried about next week.
Pacific Northwest
by letsgobobby
Fri Dec 07, 2018 10:06 am
Forum: Investing - Theory, News & General
Topic: Where did you think we'd be today, ten years ago?
Replies: 38
Views: 2847

Re: Where did you think we'd be today, ten years ago?

I noticed yesterday that gas in my area was under $2.00 again. It reminded me of driving cross-country in December of 2008 and paying less than $2.00 which seemed utterly amazing after the rise in prices in the 2000s, and especially after the summer of 2008. I bought a Prius that spring when I need...
by letsgobobby
Thu Dec 06, 2018 10:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8542
Views: 1671071

Re: U.S. stocks in freefall

The dow seems in the meaty part of its 2018 range. What’s the big deal?
by letsgobobby
Tue Dec 04, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 120
Views: 10835

Re: Retirement itch- when did you get it?

Early 50’s and I must say I am really surprised by feeling so strongly about retiring much sooner than planned, even a few years ago. Not sure if I’m ready financially as I feel I could live for a few more decades, but between some work disillusionment and seeing mortality for what it really is, I ...
by letsgobobby
Sat Dec 01, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?
Replies: 65
Views: 4042

Re: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?

Your vehicle probably doesn't have ESC, so I'd get a newer one that does.
by letsgobobby
Sat Dec 01, 2018 10:35 pm
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 117
Views: 10055

Re: Why is Costco gas so much cheaper

Where I live Costco's price is maybe 10 cents lower than other major brands. Costco has almost 100 million members times their membership fee = beaucoup bucks. $60 membership fee x 100 million members = $6 billion. Yup. Annual Earnings Data shows that Costco (COST) are in the range of $3-4B. So the...
by letsgobobby
Sat Dec 01, 2018 10:42 am
Forum: Investing - Theory, News & General
Topic: I'm up 5% ytd and I will take it
Replies: 55
Views: 6011

Re: I'm up 5% ytd and I will take it

Alexa9 wrote:
Sat Dec 01, 2018 9:07 am
Every investor should have a 50+ year time horizon
Really? Even those who need the money in ten years? What about those who are sixty years old? What about those who are investing trust, foundation, or endowment funds?
by letsgobobby
Sat Dec 01, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Chase credit card - manage two accounts with one login?
Replies: 10
Views: 595

Re: Chase credit card - manage two accounts with one login?

Your entire suite of personal accounts and cards can be added to your business login.
by letsgobobby
Thu Nov 29, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4383

Re: How do Bogleheads justify taking vacation?

Can fellow Bogleheads and financially prudent people explain how do you justify taking vacation? So far I have come up with "reasons" for taking vacation, but I can't really justify any of them. - I don't like to do "touristy" things. I couldn't be bothered with whatever monument or landmark. - I a...
by letsgobobby
Sun Nov 25, 2018 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance and Financial Advisor (Advice Please!)
Replies: 16
Views: 2024

Re: Inheritance and Financial Advisor (Advice Please!)

Why do you have to pay a 10% fee on the annuity if you cash it out? My understanding is that if I liquidate the annuity before age 59.5, I pay 10% penalty on the gains. I could be wrong on this or maybe there's an easy way around this penalty. In my circumstances, this would not be a huge hit. My g...
by letsgobobby
Sun Nov 25, 2018 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance and Financial Advisor (Advice Please!)
Replies: 16
Views: 2024

Re: Inheritance and Financial Advisor (Advice Please!)

Why do you have to pay a 10% fee on the annuity if you cash it out?
by letsgobobby
Sat Nov 24, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Should I sell my house?
Replies: 59
Views: 4777

Re: Should I sell my house?

chipperd wrote:
Fri Nov 23, 2018 7:16 am
Sell. Not even a question in my mind. Long term management of a property isn't a headache you want with a new job and two kids.
Sell sell sell, and it's not even close.
by letsgobobby
Sun Nov 18, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: When is Too Long to Return a Hair Dryer to Costco?
Replies: 73
Views: 4923

Re: When is Too Long to Return a Hair Dryer to Costco?

My neighbor bought a T3 hair dryer from Costco three or four years ago. It died recently. She told me she was going to return it to Costco for a full refund since it cost around $100. We then had a discussion regarding how long ago was too long ago to return a product like this to Costco. She point...
by letsgobobby
Sun Nov 18, 2018 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Am I understanding this right about DAFs? If so...wow
Replies: 33
Views: 3951

Re: Am I understanding this right about DAFs? If so...wow

Also keep in mind that the DAF will charge expenses, so it might behoove you to do #3. Basically the choice is between staying in non optimal funds vs the DAF fee dragging against your donation fund. The DAF has expenses but it is invested and has income that can cover those expenses. Likely still ...
by letsgobobby
Sun Nov 18, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 7443

Re: Too many choices for my next TRUCK

Got the truck. It ended up being a new 2019 F250 6.2L FX4, OTD $43K. Thank you for all the advice. The smaller Taco, Ridgeline would not have worked. The 1/2 ton 2WD (any brand) would have done it. But... Toyota was hard to shop for because new ones with the 5.7L and the larger gas tank was rare, f...
by letsgobobby
Sun Nov 18, 2018 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Am I understanding this right about DAFs? If so...wow
Replies: 33
Views: 3951

Re: Am I understanding this right about DAFs? If so...wow

My wife and I are getting our financial house in order: recently let go of our advisor, rolled over/transferred many of our assets to Vanguard, developed Investor Policy Statement, bought low cost index funds across our various buckets, reading Bogleheads and taking your great advice. In the proces...
by letsgobobby
Sat Nov 17, 2018 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: If the market is this high, does it make sense to invest a large sum of money?
Replies: 38
Views: 3380

Re: If the market is this high, does it make sense to invest a large sum of money?

EPCOTCenter1982 wrote:
Sat Nov 17, 2018 12:44 pm

Should I reserve some of this money for when the market is better valued?
When will that be?
by letsgobobby
Wed Nov 14, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 7443

Re: Too many choices for my next TRUCK

Ok, so I thought I was done shopping for pick up truck. I narrowed it down to either a 2018 Nissan Titan (SV) or a 2019 Toyota Tundra (SR 5.7L). They were priced in the $30K range. I was going to decide this month and pick one up. Done! But then I saw that the 2018 Ford F150 (2.7/3.5L Ecoboost) and...
by letsgobobby
Mon Nov 12, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9340

Re: retirement travel: RVs vs fly/drive/hotel

Gretchen wrote:
Sun Nov 11, 2018 2:43 pm

And of course you can cook in a hotel! ...We often get microwaveable frozen food like lasagna or spinach souffle and eat right in the room.
I think my idea of cooking and yours are different. :wink:
by letsgobobby
Sun Nov 11, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: aerobic exercise: rower vs. treadmill and elliptical
Replies: 44
Views: 4032

Re: aerobic exercise: rower vs. treadmill and elliptical

The stepmill is unparalleled for low impact cardio plus lower body and can be weight bearing with a weighted backpack. Hardest cardio in the gym. But still no upper body.
by letsgobobby
Sun Nov 11, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9340

Re: retirement travel: RVs vs fly/drive/hotel

How many HI express, Resident Inn, Embassy Suite, and so on are there in say Yellowstone national park? I haven't actually looked (and I bet there are cabins for rent in the park) Last I checked, there are no chain hotels in the park. But there are some just outside in West Yellowstone. Not exactly...
by letsgobobby
Sat Nov 10, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: aerobic exercise: rower vs. treadmill and elliptical
Replies: 44
Views: 4032

Re: aerobic exercise: rower vs. treadmill and elliptical

Not quite what you're asking for, but I'd get ride of both (treadmill and elliptical) and get a stationary bike. I've never found the treadmill or elliptical to be "strenuous" enough, despite the ability to increase resistance or incline. I find myself getting better workouts on a simple, resistanc...
by letsgobobby
Fri Nov 09, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use a Wealth Manager?
Replies: 26
Views: 3176

Re: Anyone use a Wealth Manager?

We have given Vanguard complete control of our retirement accounts by investing them 100% in a Vanguard LifeStrategy fund that matches our asset allocation. It costs us 0.0013% annually ($1,300 per $1 million). Typical fees for many wealth managers are 1% or higher annually ($10,000 per $1 million)...
by letsgobobby
Mon Nov 05, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Think I have found my new commuter car - 2019 Honda Insight
Replies: 44
Views: 4742

Re: Think I have found my new commuter car - 2019 Honda Insight

Thanks. Definitely need to test drive one. For me, the biggest drawback to the Prius is the road noise. It’s absolutely horrendous in the freeway. I could not use that as my daily commuter car. It doesn’t bother my wife at all. What caught my eye about the insight is the reviews which mentioned its ...
by letsgobobby
Mon Nov 05, 2018 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12889

Re: Are we in trouble?

Think you'll be ok, deep breath. I would make an informed decision re: CHI house and seasonality. Either lower price aggressively to sell before depths of winter, or hold at higher price potentially for 6 months. We sold a house in DTW in January after being on market for 6 months. We lowered price ...
by letsgobobby
Sun Nov 04, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9340

Re: retirement travel: RVs vs fly/drive/hotel

We've been traveling a lot since we've retired. We hate flying anymore but still do when it's necessary. We used to cruise a lot but the every minute upsells on everything and the downhill quality of dining has turned us off of cruising a lot. We are liking road trips now. Unless we're going to a r...
by letsgobobby
Sun Nov 04, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9340

Re: retirement travel: RVs vs fly/drive/hotel

Try buying a small used inexpensive travel trailer and messing around for a year. That's how you find out what you like, don't like, etc, about the lifestyle. Very little investment, probably under ten thousand dollars, and you can resell it after a year

Think of an Rpod, Casita, etc
by letsgobobby
Sat Nov 03, 2018 8:50 pm
Forum: Personal Consumer Issues
Topic: Which Prius or something else?
Replies: 25
Views: 1620

Re: Which Prius or something else?

Volt, Camry hybrid, Honda Insight? That's my current short list but I'm 2-3 years out.
by letsgobobby
Sat Nov 03, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?
Replies: 51
Views: 2413

Re: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?

I can view the online version of most newspapers (proquest) and magazines (flipster) with my library card. Or, use a chrome incognito browser instead. Can you describe more about this? Going to the physical library is not going to replace a daily newspaper delivery for me. Maybe when I'm retired. O...
by letsgobobby
Sat Nov 03, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?
Replies: 51
Views: 2413

Re: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?

Cycle wrote:
Fri Nov 02, 2018 9:43 pm
RB digital is an app my library uses. I read the economist and outside. Its included in my tax bill, ie it's "free"
Wow, this is excellent. Thanks!
by letsgobobby
Fri Nov 02, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?
Replies: 51
Views: 2413

Re: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?

I can view the online version of most newspapers (proquest) and magazines (flipster) with my library card. Or, use a chrome incognito browser instead. Can you describe more about this? Going to the physical library is not going to replace a daily newspaper delivery for me. Maybe when I'm retired.
by letsgobobby
Fri Nov 02, 2018 2:03 pm
Forum: Investing - Theory, News & General
Topic: What does your gut tell you; RMD now or in December?
Replies: 38
Views: 2247

Re: What does your gut tell you; RMD now or in December?

I am a big advocate of not timing the market, so we decided to wait to do our first RMDs until the end of the year to allow the possibility of growth and continue tax-deferment as long as possible rather than sell when we think the market is at its peak. Sixty percent of our portfolio is in the RMD...
by letsgobobby
Fri Nov 02, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?
Replies: 51
Views: 2413

Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?

For a while we were subscribing to the NY Times online, WSJ print and online, our large city newspaper online, and our local newspaper online and print. It was coming out to nearly $1000 per year so we cut back on two, but miss the in depth news. We'd even like to add some papers of National or inte...
by letsgobobby
Fri Nov 02, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Think I have found my new commuter car - 2019 Honda Insight
Replies: 44
Views: 4742

Re: Think I have found my new commuter car - 2019 Honda Insight

It's a great time to buy a car. November is supposedly the cheapest month. I was hell-bent on buying a Honda or a Toyota last November....I have driven Hondas since 1983.....but I finally settled on a 2017 Hyundai Elantra Limited just after the 2018s came out. Reason? I got a lot more bang for my b...
by letsgobobby
Fri Nov 02, 2018 12:34 am
Forum: Personal Consumer Issues
Topic: Where to stay to visit Yosemite
Replies: 12
Views: 1234

Re: Where to stay to visit Yosemite

First, Yosemite is a National Park, not a forest.

This is important because dogs are not allowed on any trails in almost any National Park, including Yosemite.

So I'd leave the dogs at home.
by letsgobobby
Thu Nov 01, 2018 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: Tell me about establishing trusts for our minor children
Replies: 28
Views: 2742

Re: Tell me about establishing trusts for our minor children

It isn’t just a question of the kid’s maturity at 18 — a lawsuit, a divorce, or a disability can happen at any point in adulthood. Protecting the kid’s money against those possibilities is part of the reason for a trust. In my state, an inherited IRA would protect most of OP's assets against lawsui...
by letsgobobby
Thu Nov 01, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: Think I have found my new commuter car - 2019 Honda Insight
Replies: 44
Views: 4742

Re: Think I have found my new commuter car - 2019 Honda Insight

Separate from the console, what was so unusual about the driving experience? None of the reviewers have commented on it in a negative way.
by letsgobobby
Thu Nov 01, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Think I have found my new commuter car - 2019 Honda Insight
Replies: 44
Views: 4742

Re: Think I have found my new commuter car - 2019 Honda Insight

I don't want to burst any bubbles out there, but take it for a test drive. I too was enamored with the Insight in digital form, but I found the driving characteristics of it to be very unusual and sort of a deal breaker for me. The Toyota hybrids (Camry included) drive in a whole other class. Plus ...
by letsgobobby
Thu Nov 01, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Argentina Trip Over Winter Break
Replies: 20
Views: 1674

Re: Argentina Trip Over Winter Break

We did similar about 12 years ago. 1 week in BA and 1 week in Argentinian Patagonia. It’s a big country with long distances. It takes about 4 hours to fly to El Calafate from BA, and sometimes you have to stop in Ushuaia along the way. In El Calafate, we took a bus for several hours to get to El Cha...
by letsgobobby
Thu Nov 01, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Think I have found my new commuter car - 2019 Honda Insight
Replies: 44
Views: 4742

Think I have found my new commuter car - 2019 Honda Insight

Getting rave reviews from all quarters. Highlights: - Prius-like mileage - Superior performance in every respect to the Prius - quiet on the road, noted in nearly every review, very important for a long highway drive - noted to be ‘upscale’ by many (open to interpretation but suggesting it is no Pri...
by letsgobobby
Wed Oct 31, 2018 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse Diagnosed Non-curable Cancer -- what now?
Replies: 54
Views: 10419

Re: Spouse Diagnosed Non-curable Cancer -- what now?

Time is more valuable than money; make decisions accordingly.
by letsgobobby
Wed Oct 31, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: Additional charges for kids in Las Vegas hotels
Replies: 25
Views: 2714

Re: Additional charges for kids in Las Vegas hotels

Hi, For all the hotels in Las Vegas, there are additional person charges for kids below 10 year old also which is like $30/40 per night. If I select 2 bed room and put 2 adults, charges are normal but if I add 2 children for the same 2 bed room, the price increases a lot (there is no free breakfast...
by letsgobobby
Wed Oct 31, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4765

Re: Vehicle recommendations for long commutes in CO mountains

WhiteMaxima wrote:
Sun Oct 28, 2018 1:42 am
Toyota landcruiser, 4runner.
my votes, too.
by letsgobobby
Wed Oct 31, 2018 1:02 am
Forum: Personal Finance (Not Investing)
Topic: Tell me about establishing trusts for our minor children
Replies: 28
Views: 2742

Re: Tell me about establishing trusts for our minor children

The state estate tax in your state of residence is just over $2 million. If you follow your plan, each of your daughters will inherit an amount equal to more than half her estate tax exemption at age 30. With their own life insurance policies and assets, they are likely to be over the exemption amou...