Search found 11620 matches

by letsgobobby
Sat Dec 15, 2018 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard RMD tax withholding
Replies: 11
Views: 638

Re: Vanguard RMD tax withholding

I withhold at our marginal rate.
by letsgobobby
Sat Dec 15, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Raspberry pi or starting an 11 year old with programming
Replies: 15
Views: 1056

Raspberry pi or starting an 11 year old with programming

Was thinking of getting a raspberry pi for my almost 12 year old. She is strong in math but by virtue of us not having any computer programming expertise she's had no exposure to that. She has the typical 11 year old facility with phones and tablets but how could I affordably and with a light touch ...
by letsgobobby
Sat Dec 15, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: How to Evaluate Giving
Replies: 15
Views: 1131

Re: How to Evaluate Giving

Don't overthink this. If you give to local charities with whom you are personally involved, you can judge their intentions and execution for yourself. We give to a trails advocacy and repair/maintenance group which coordinates thousands of hours of volunteer labor every year to do the things state a...
by letsgobobby
Sat Dec 15, 2018 2:14 am
Forum: Personal Consumer Issues
Topic: objective data on quietest cars?
Replies: 26
Views: 4049

Re: objective data on quietest cars?

One road test of the Insight: 66 dB at 70 mph, concrete freeway

https://youtu.be/mfstqxXwiik

There is hope.
by letsgobobby
Sat Dec 15, 2018 12:41 am
Forum: Investing - Help with Personal Investments
Topic: 529 with a Windfall
Replies: 22
Views: 1630

Re: 529 with a Windfall

Are your children highly likely to go to college? How likely are they to go to graduate school? Are they likely to go to Public University or expensive private schools? Are military academies or athletic scholarships a part of family culture? One thing to think about is the more you have saved for c...
by letsgobobby
Sat Dec 15, 2018 12:27 am
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 79
Views: 6457

Re: Best headphones under 500 bucks

Costco is selling some Sony noise cancelling headphones for $180. Sounded good to me in store so I bought two, his and hers.
by letsgobobby
Fri Dec 14, 2018 9:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8614
Views: 1680089

Re: U.S. stocks in free fall

J G Bankerton wrote:
Fri Dec 14, 2018 9:35 pm
letsgobobby wrote:
Fri Dec 14, 2018 9:31 pm
What if $85k is 1% of Uber doc's portfolio?
He would be a 1%er.
You don't think a bunch of Bogleheads are 1%ers? Or 0.1%ers? Of course they are.
by letsgobobby
Fri Dec 14, 2018 9:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8614
Views: 1680089

Re: U.S. stocks in free fall

We are between two large cities (Seattle and Portland) which have shown some of the steepest declines in real estate activity in the country. So this may just be a regional event. Or not. The real estate market has been insane the past few years around here (I'm near Seattle.) Now it's merely sane ...
by letsgobobby
Fri Dec 14, 2018 9:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8614
Views: 1680089

Re: U.S. stocks in free fall

I was investing dutifully every 2 weeks in my 401K and taxable accounts. Today out of nowhere, I received an after tax bonus of $85K. Now this changes all my calculations. I put in 10K today in total stock index already. Planning to invest rest in next 4 weeks. Do not know what else to do. I-Bonds,...
by letsgobobby
Fri Dec 14, 2018 6:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8614
Views: 1680089

Re: U.S. stocks in free fall

I work in a very industrial town with big exposure to international trade (a busy port). We still have a lot of Hiring signs up. But the job losses I mentioned are real. My community is a bedroom community of a bedroom community of a big city. It peaks later and crashes earlier than the national eco...
by letsgobobby
Fri Dec 14, 2018 5:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8614
Views: 1680089

Re: U.S. stocks in free fall

I am seeing patients of mine experiencing an uptick in layoffs. For several years no one was laid off. I've seen a small handful recently. Mostly in home related industries (construction, timber, cabinet making, landscaping) and trade (ports, timber). Also I listen regularly to Dave Ramsey and Clark...
by letsgobobby
Fri Dec 14, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: objective data on quietest cars?
Replies: 26
Views: 4049

Re: objective data on quietest cars?

Yes even the Prius is tolerable on good asphalt. But most of the time I'm on concrete and geez. The headache.

Insight was described as "quiet" in every review, so I'm not giving up hope.
by letsgobobby
Fri Dec 14, 2018 1:31 am
Forum: Personal Consumer Issues
Topic: objective data on quietest cars?
Replies: 26
Views: 4049

Re: objective data on quietest cars?

I remain in the seemingly endless hunt for an affordable, reliable, fuel efficient, safe, and QUIET highway commuting vehicle. I’m hoping the new Honda Insight will fit the bill; early professional reviews have been excellent though the Bogleheads have been more restrained: https://www.bogleheads.or...
by letsgobobby
Thu Dec 13, 2018 1:32 am
Forum: Investing - Help with Personal Investments
Topic: Is it worth doing a Roth conversion now to avoid future backdoor pro rata headaches?
Replies: 10
Views: 1462

Re: Is it worth doing a Roth conversion now to avoid future backdoor pro rata headaches?

Depending on profit sharing and bonus, spouse and I will be just under, or just over, the 2018 MAGI limits for Roth IRA contributions. Unfortunately, she has a small Rollover IRA (currently $27k) that will cause pro rata problems for her if she needs to do a backdoor Roth IRA. I realize that it may...
by letsgobobby
Thu Dec 13, 2018 12:52 am
Forum: Personal Consumer Issues
Topic: Should this doctor pay damages for malpractice?
Replies: 23
Views: 2598

Re: Should this doctor pay damages for malpractice?

jwblue wrote:
Wed Dec 12, 2018 7:48 pm
I would rather not have any doctor's respond due to those opinions being biased.
How would a doctor's response be more biased, or less, than a patient's?
by letsgobobby
Wed Dec 12, 2018 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Lost value in 529 savings
Replies: 23
Views: 1569

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: 8614
Views: 1680089

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: 4034

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: 4034

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: 1974

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: 355

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: 2857

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: 2857

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: 8614
Views: 1680089

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: 125
Views: 11469

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: 4049

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: 119
Views: 10438

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: 6035

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: 603

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: 4412

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: 4781

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: 4927

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: 3952

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: 7458

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: 3952

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: 3382

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: 7458

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: 9347

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: 4035

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: 9347

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: 4035

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: 3179

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: 4756

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: 12903

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: 9347

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: 9347

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: 2414

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...