Search found 10305 matches

by letsgobobby
Mon Aug 21, 2017 6:22 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 211
Views: 10176

Re: How far would you travel to see The Eclipse?

Nate79 wrote:
Mon Aug 21, 2017 6:18 pm
Walked to the front yard. Pretty underwhelming and was expecting it to be more. From what I see there is definitely two camps of people. Those that think it was awesome and those that yawn and go back to real life.
In Portland you only got 99%. The difference is everything.
by letsgobobby
Mon Aug 21, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 211
Views: 10176

Re: How far would you travel to see The Eclipse?

wow. mind-blowing. watching the essence of the universe streaming off an invisible star into deep space. I did not anticipate such an intense experience. totality was totally worth it. without the corona the experience would not be the same. people were crying.
by letsgobobby
Mon Aug 21, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 211
Views: 10176

Re: How far would you travel to see The Eclipse?

Heavy traffic but not even as bad as routine Seattle rush hour. Clear skies and a place to park, potty, and eat. bring it on!
by letsgobobby
Sun Aug 20, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 211
Views: 10176

Re: How far would you travel to see The Eclipse?

I guess I just don't see the point of travelling to see something I'm not supposed to look at. The whole point is you can, in fact, look directly at the sun during totality. (This is not medical advice). And supposedly, though I'm no expert, there is a huge difference between partial and total. I l...
by letsgobobby
Sun Aug 20, 2017 8:51 am
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 74
Views: 6479

Re: IBonds: My worst bond investment over the last 5 years

and they pay much better than my Ally bank account If they offered an iBond for 3% over inflation I would never invest in anything else. Even 2% would be very tempting. Personally, if I wanted fixed income, I'd go with TIAA traditional's supplemental annuity, which is currently paying 3.25% and off...
by letsgobobby
Sun Aug 20, 2017 12:55 am
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 58
Views: 3843

Re: Non-fiction bucket list

Cadillac Desert - It changed how I thought about water, power (the human kind), the west, government, and men. The Autobiography of Malcolm X The Beauty and the Sorrow: An Intimate History of WWI. Best war book I have ever read. Bury my heart at wounded Knee - despite some inaccuracies or liberties
by letsgobobby
Sat Aug 19, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: quick estate question
Replies: 56
Views: 2620

Re: quick estate question

bsteiner wrote:
Thu Aug 17, 2017 8:39 am
Does it really take 6 months to probate a Will in any state absent a contest?
I've been told to expect a minimum of seven months for California.
by letsgobobby
Fri Aug 11, 2017 2:38 am
Forum: Investing - Help with Personal Investments
Topic: General Portfolio Advice and 529 recommendation
Replies: 9
Views: 471

Re: General Portfolio Advice and 529 recommendation

If you redepoy cash from property sales or any other source you can do so in a far more tax efficient manner, minimizing taxes.
by letsgobobby
Fri Aug 11, 2017 12:33 am
Forum: Personal Finance (Not Investing)
Topic: Do I really need a trust?
Replies: 48
Views: 3897

Re: Do I really need a trust?

I am a California lawyer, and even though it kills me that I can't get someone to do it for me for free, I just pay for my will and trust. Seen too many car crashes with diy in this area. Just to clarify, I don't think $3200 is too much to pay for a robust and meaningful estate plan. My concern is ...
by letsgobobby
Thu Aug 10, 2017 11:03 pm
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 77
Views: 7463

Re: Aug. 2017 US total eclipse hotel reservations.

Without traffic it is a 60 minute drive to totality. I plan to wake up early and check the traffic maps. If it is backed up, I'm staying home. If it's clear, I'll go for it. The drive home will be lousy but at least I will have seen the eclipse. The worst case scenario is sitting for hours in traffi...
by letsgobobby
Thu Aug 10, 2017 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do I really need a trust?
Replies: 48
Views: 3897

Re: Do I really need a trust?

Unclear who your intended beneficiaries are, how old your daughter is, what your goals are, etc. Some food for thought: - you die, your wife owns the house. Then she dies. Probate? So you do need a trust. Whether it needs to be the $3200 or $59 version is beyond my expertise. - your daughter inherit...
by letsgobobby
Thu Aug 10, 2017 9:39 am
Forum: Investing - Help with Personal Investments
Topic: General Portfolio Advice and 529 recommendation
Replies: 9
Views: 471

Re: General Portfolio Advice and 529 recommendation

strongly disagree with your use of Roths. it is likely a serious error. Suggest you reconsider.

there are many good 529s. California, Nevada, Utah, New York are some of the best (cheapest).

if you donate to charity, consider setting up a DAF to unload your individual stock holdings.
by letsgobobby
Wed Aug 09, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: What's the deal with AMICA???
Replies: 21
Views: 2002

Re: What's the deal with AMICA???

$750/mo sounds like a mistake. Who pays $9000/yr for car insurance?? Could be an annual rate, which would be $60 per month, which would be cheaper than the OP pays with Allstate, which would negate the entire purpose of the thread. It'd still be more than we pay with Amica, which is around $100 per...
by letsgobobby
Wed Aug 09, 2017 7:22 pm
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 53
Views: 2651

Re: Oregon road trip help

Several recent threads on Oregon.

Don't go to the Dalles, but it is worth seeing the Gorge - at least as far as Bonneville and probably Hood River and the Fruit Loop.
by letsgobobby
Wed Aug 09, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: kids think lazy if retire?
Replies: 70
Views: 7790

Re: kids think lazy if retire?

Thank you to everyone who commented. I've carefully read each response and appreciate the help. My lifestyle could be scaled down, as well as spouse working, such that I'm not concerned about running out of money. I have a number of regrets in life about missed opportunities. Life events and activi...
by letsgobobby
Wed Aug 09, 2017 8:26 am
Forum: Personal Finance (Not Investing)
Topic: kids think lazy if retire?
Replies: 70
Views: 7790

Re: kids think lazy if retire?

maybe the OP didn't earn it through decades of hard work, saving, and investing. maybe he won the lottery, or the genetic lottery (vis a vis an inheritance). would that change the recommendations given herein?
by letsgobobby
Wed Aug 09, 2017 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Donor advised fund at Vanguard or elsewhere?
Replies: 42
Views: 2958

Re: Donor advised fund at Vanguard or elsewhere?

you may misunderstand something. while vanguard DAF holds only vanguard funds, you can donate ANY appreciated security to the DAF, taking a full deduction and avoiding LTCG taxes. Vanguard will then liquidate the position and you can reinvest the funds in the (vanguard) fund option you prefer. The s...
by letsgobobby
Sun Aug 06, 2017 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: 20 year vs. 30 year Term Life Insurance
Replies: 18
Views: 1717

Re: 20 year vs. 30 year Term Life Insurance

I think 20 is fine if you are an agressive saver/investor. If you are more of an average saver/investor, or worse, then 30 years is safer. We went with 20 and it's worked out well. That said, 20 years isn't that long. We're already down to 11 years remaining on one of our policies and that doesn't f...
by letsgobobby
Sun Aug 06, 2017 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Using a donor-advised fund to minimize taxes
Replies: 23
Views: 1337

Re: Using a donor-advised fund to minimize taxes

Given your responses, I don't see any advantage to the method you propose. Given your next paragraph, I don't understand this statement. Late in your career, it could make sense to lump sum a few years worth of charitable donations to arbitrage the difference in tax rates over a short and defined (...
by letsgobobby
Sun Aug 06, 2017 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Using a donor-advised fund to minimize taxes
Replies: 23
Views: 1337

Re: Using a donor-advised fund to minimize taxes

Given your responses, I don't see any advantage to the method you propose. Late in your career, it could make sense to lump sum a few years worth of charitable donations to arbitrage the difference in tax rates over a short and defined (rather than long and undefined) period of time, while moving yo...
by letsgobobby
Sun Aug 06, 2017 10:02 am
Forum: Investing - Help with Personal Investments
Topic: 529: possible to use $140k parental gift tax exemption twice within 5 years with two children?
Replies: 17
Views: 1152

Re: 529: possible to use $140k parental gift tax exemption twice within 5 years with two children?

What balance are you hoping to have by the time any future kids are college age? It occurs to me that if you can fund 529s multiple times with 70-140k, are 529s your best financial planning options? Yes there are tax advantages if used on education. But......doublecheck the ongoing extra fees for 5...
by letsgobobby
Sat Aug 05, 2017 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Using a donor-advised fund to minimize taxes
Replies: 23
Views: 1337

Re: Using a donor-advised fund to minimize taxes

Without detailed analysis, my gut feeling is that you've combined a number of sensible steps but ended up with a chimera that is less than the sum of its parts. Keep in mind that donating to a charity to reduce taxes may reduce your taxes, but it doesn't increase your wealth. First determine how muc...
by letsgobobby
Sat Aug 05, 2017 10:00 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 109
Views: 8154

Re: Vanguard 403b Changes

We never got a letter so there must be a subset or some definition of "Vanguard 403b's" which is not applicable in our case. DW had a choice of using either Vanguard or TIAA funds in her 403b, but Vanguard manages the Vanguard funds (Viewable in her online profile) whereas TIAA manages the TIAA fund...
by letsgobobby
Sat Aug 05, 2017 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Roth conversion in a high tax bracket?
Replies: 21
Views: 1723

Re: Roth conversion in a high tax bracket?

I don't think I'd do it. The cost now, at 40%, seems too high considering all the uncertainty about income and estate tax rates decades from now. I converted in 2010 before rates took off, but even then I only converted half ("split the baby") because there was talk then about low or no income tax ...
by letsgobobby
Fri Aug 04, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: Karaoke machine/system for home use
Replies: 6
Views: 616

Re: Karaoke machine/system for home use

Thanks for all the tips and links, I'll research some of these. It seems like it would be pretty easy to create a technology that takes any song from any digital source and just wipes out the words and puts the lyrics on a screen. Does that not exist? Otherwise you're always dependent on another sou...
by letsgobobby
Fri Aug 04, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: Fence Boundary Issue
Replies: 24
Views: 1664

Re: Fence Boundary Issue

I don't think you have any recourse. You followed the sod lines? That's a new one!
by letsgobobby
Thu Aug 03, 2017 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Good time to transfer Beneficiary IRA to Vanguard?
Replies: 8
Views: 394

Re: Good time to transfer Beneficiary IRA to Vanguard?

Wait. Do not transfer yet.

First, sell all the funds in the IRA and hold cash or a cash equivalent.

Then have Vanguard transfer the assets from Wells Fargo.
by letsgobobby
Wed Aug 02, 2017 10:37 pm
Forum: Personal Consumer Issues
Topic: Karaoke machine/system for home use
Replies: 6
Views: 616

Karaoke machine/system for home use

Hello all, If there are any karaoke fans out there, I want to buy a system for the family this holiday season. I'd like access to the widest variety of songs available to meet the needs of different generations of singers. Any starting suggestions? I see there are a few subscription services availab...
by letsgobobby
Wed Aug 02, 2017 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Kitces article - Impact on projected SS benefits from early retirement
Replies: 8
Views: 1403

Re: Kitces article - Impact on projected SS benefits from early retirement

after the second bend point additional SS benefits fail to be a major motivator to keep working for your typical upper middle income family, assuming savings commensurate with income.
by letsgobobby
Wed Aug 02, 2017 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Earmarking in Vanguard
Replies: 11
Views: 831

Re: Earmarking in Vanguard

just open a new account at vanguard. It will be visible when you login.
by letsgobobby
Tue Aug 01, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 330
Views: 31801

Re: Tesla Model 3 or Chevy Bolt?

I get it. I drive a 2013 LEAF....that apparently has a somewhat more stable battery...in a cold climate. I DO use the seat heaters and still lose range in the winter for other reasons. And in January with snow tires the range IS down to 55-60 miles. And in my use case that is not a problem at all. ...
by letsgobobby
Tue Aug 01, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: What no-charge services do you get as a Flagship Select member at VG?
Replies: 5
Views: 1043

Re: What no-charge services do you get as a Flagship Select member at VG?

I am a happy customer. I don't want more from Vanguard than well run funds provided at cost. The Flagship Select marketing suggests that you get free estate planning and tax advice. That would be useful if it were true. But all of that puffery about your advising team seems to mean nothing. It was ...
by letsgobobby
Tue Aug 01, 2017 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Tempted to stay with Chase - self directed account
Replies: 18
Views: 9324

Re: Tempted to stay with Chase - self directed account

I sent a list of Vanguard admiral shares and my advisor listed that all are available at Chase to buy and sell without any transaction fee. His answer is in writing in an email. The account is part of a trust. I am a co-trustee designated with full powers to make transactions in the portfolio on be...
by letsgobobby
Tue Aug 01, 2017 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Chase Private Client -- Worth it to hold Vanguard Funds?
Replies: 23
Views: 3347

Re: Chase Private Client -- Worth it to hold Vanguard Funds?

So, just transfer $250k or more of Vanguard mutual funds to Chase and that's it?

Or buy $250k of Vanguard MFs, even Admiral shares, for $0 per trade?

Is there a catch?
by letsgobobby
Tue Aug 01, 2017 8:17 am
Forum: Personal Consumer Issues
Topic: Who's Responsible?
Replies: 23
Views: 1505

Re: Who's Responsible?

Never mind. Let's try this one more time. The USPS lost my package they claim got delivered. It it my responsibility to chase down the missing package or is it the senders responsibility? How hard can it be? Forget Amazon. Forget the refund. It is no one's responsibility to locate the missing packa...
by letsgobobby
Sun Jul 30, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: WSJ: "Sapphire Reserve Cards Aren’t Very Rewarding for J.P. Morgan"
Replies: 54
Views: 6980

Re: WSJ: "Sapphire Reserve Cards Aren’t Very Rewarding for J.P. Morgan"

I'm disappointed with the cost of airfare when booking through the travel rewards site (which required to get the "4.5%" value). I fly 15 round trips a year (14 domestic and 1 international). The last 10 trips I searched either did not have the flights I wanted on their site, or they were...
by letsgobobby
Sun Jul 30, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 330
Views: 31801

Re: Tesla Model 3 or Chevy Bolt?

See this website for how the federal tax credit works (scroll down to the section labeled "Phaseout" below the table): https://www.fueleconomy.gov/feg/taxevb.shtml In summary, once a manufacturer has sold 200,000 vehicles in the US, you have 6 months to obtain the full credit and then it ...
by letsgobobby
Sun Jul 30, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 330
Views: 31801

Re: Tesla Model 3 or Chevy Bolt?

isn't the 200,000 figure per model, not per manufacturer? the link doesn't say that, but otherwise wouldn't each manufacturer keep creating new corporate entities to increase the number of vehicles they can sell to customers which are eligible for the full credit?
by letsgobobby
Sun Jul 30, 2017 12:58 am
Forum: Investing - Help with Personal Investments
Topic: How to transfer out of vanguard?
Replies: 29
Views: 3017

Re: How to transfer out of vanguard?

Vanguard has great funds but their customer service is awful. Yes. That's why I hold some Vanguard funds at Fidelity. Sorry you had to endure a poor experience at Vanguard. When I tried to transfer several accounts there earlier this year, I was shocked by the rudeness and difficulty I encountered....
by letsgobobby
Sat Jul 29, 2017 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Any pilots here? [as a career]
Replies: 38
Views: 4383

Re: Any pilots here? [as a career]

Going to a military academy is really hard even if you can get in. You might eventually end up as a commercial pilot but I would question going there unless really want to be in the Air Force. what makes it hard, and compared to what? Compared to another elite university (Harvard, Stanford, etc), c...
by letsgobobby
Sat Jul 29, 2017 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Any pilots here? [as a career]
Replies: 38
Views: 4383

Re: Any pilots here? [as a career]

not to hijack too much... but my 7 (!) year old son wants to be a pilot. so does every boy. my son has a few things going for him (in my mind, knowing nothing about the industry). He's bright. He is cautious, very organized, and precise, and never takes unnecessary risks. He is interested in the Air...
by letsgobobby
Sat Jul 29, 2017 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone invest in I Bonds and why?
Replies: 17
Views: 1788

Re: Anyone invest in I Bonds and why?

yes in the past, but not now with fixed rates under 0.5%. for a number of years now my rewards checking has paid more even net of taxes, and has more liquidity.
by letsgobobby
Sat Jul 29, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 11134

Re: Your "at peace" moments.

Right now. First homegrown cucumber of the season made into the first cucumber sandwich of the season. Yum.
by letsgobobby
Sat Jul 29, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 330
Views: 31801

Re: Tesla Model 3 or Chevy Bolt?

The biggest issue that I see is $35K car will NOT be built until they complete $52K car orders. This means that the federal tax credit will run out before the lower priced cars will reach customers hand. Has anybody got the estimated delivery date for their specific reservation number? The website ...
by letsgobobby
Sat Jul 29, 2017 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Will/Trust Plan Thoughts?
Replies: 56
Views: 4561

Re: Will/Trust Plan Thoughts?

You grant considerable latitude to a trustee, and if she is easily swayed (ie, by her husband) adversely there is no oversight unless the beneficiaries recognize the errors and take action (ie, a lawsuit). For her own money, since she would be the benficiary, she could be persuaded by your brother ...
by letsgobobby
Sat Jul 29, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Will/Trust Plan Thoughts?
Replies: 56
Views: 4561

Re: Will/Trust Plan Thoughts?

You grant considerable latitude to a trustee, and if she is easily swayed (ie, by her husband) adversely there is no oversight unless the beneficiaries recognize the errors and take action (ie, a lawsuit). For her own money, since she would be the benficiary, she could be persuaded by your brother i...
by letsgobobby
Sat Jul 29, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Will/Trust Plan Thoughts?
Replies: 56
Views: 4561

Re: Will/Trust Plan Thoughts?

. The advantage of sister as personal representative is that the estate would not pay a fee to someone else to do the job. If the sister is not a numbers person, but is reliable and honest then she would be fine. As others have noted, she can hire people to do the work. She has to help identify pot...
by letsgobobby
Sat Jul 29, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 11134

Re: Your "at peace" moments.

any decent day hike to the top of a mountain or a lake. the longer the hike the fewer the people which makes for better solitude. mountains are best on clear dry autumn days with a dusting of snow on the peaks, a chill in the air as sun sets, and the leaves turning red and orange. conversely lakes c...