Search found 11531 matches

by letsgobobby
Tue Oct 23, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 147
Views: 12050

Re: PSA: Don't buy a big house

Anyone figure out how to change the tall smoke alarms without buying a taller ladder? We have one on a perhaps 12 foor ceiling. My 14' orchard ladder is too tall to set up; the regular 6' ladder isn't tall enough. I have the light bulb changing stick which works well, and all our other ceilings are...
by letsgobobby
Tue Oct 23, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7462
Views: 1559878

Re: U.S. stocks in freefall

so sorry folks. had to continue my value averaging (and into value stocks, no less) yesterday afternoon. i will have to keep buying through October so you may just want to sit out the next trading week. after each buy you can count on the market tanking another couple of percent.
by letsgobobby
Tue Oct 23, 2018 12:26 am
Forum: Personal Finance (Not Investing)
Topic: 529: multiple accounts for the same beneficiary
Replies: 17
Views: 1300

Re: 529: multiple accounts for the same beneficiary

You could do the same thing just by making regular gifts. I don't see how scores of different 529 accounts makes any difference. Main differences are 1. While a completed gift in the eyes of the IRS, you can still control the investments and take the gift back whenever you want. 2. You can front lo...
by letsgobobby
Mon Oct 22, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 147
Views: 12050

Re: PSA: Don't buy a big house

All the sticks and thingamadoodads that everyone has linked are for changing bulbs. Has anyone been successful using these grabbers for smoke and carbon monoxide detectors 12+ feet off the ground? I have three ladders and two step stools already. Really don't want to spend several hundred more dolla...
by letsgobobby
Mon Oct 22, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 147
Views: 12050

Re: PSA: Don't buy a big house

What stick?
by letsgobobby
Mon Oct 22, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 147
Views: 12050

Re: PSA: Don't buy a big house

Anyone figure out how to change the tall smoke alarms without buying a taller ladder? We have one on a perhaps 12 foor ceiling. My 14' orchard ladder is too tall to set up; the regular 6' ladder isn't tall enough. I have the light bulb changing stick which works well, and all our other ceilings are ...
by letsgobobby
Sat Oct 20, 2018 11:41 pm
Forum: Personal Consumer Issues
Topic: Headlamp for dog walking
Replies: 24
Views: 1534

Re: Headlamp for dog walking

I have a number of headlamps for backpacking and camping. I find they work as advertised and the name brands are pretty similar. You get what you pay for as far as features (weight, battery life, lumens, etc) so just pick one that is very bright (safety being more important than weight, for example,...
by letsgobobby
Sat Oct 20, 2018 10:35 pm
Forum: Personal Consumer Issues
Topic: Headlamp for dog walking
Replies: 24
Views: 1534

Re: Headlamp for dog walking

More important than which headlamp, I think, would be a flashing neon vest with bright LEDs front and back.
by letsgobobby
Sat Oct 20, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 56
Views: 10619

Re: Don't pay full price for SiriusXM radio

^^^Even my missus, who is by her own admission no audiophile, says that the Spotify music via bluetooth is much better sounding than SiriusXM. BTW, for those of you who may wish to save money (over Spotify) and have less demanding needs or tastes, Amazon Music or Prime Music can accomplish the same...
by letsgobobby
Sat Oct 20, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: [Starter Home] Sell it or Rent it out?
Replies: 21
Views: 1014

Re: [Starter Home] Sell it or Rent it out?

We have a rental with similar numbers to yours and are happy with it. But two factors made it the right decision for us. First, we were never eligible to sell tax free. Second, we hired a good manager for 8% per month. That 8% is a steal, and our house is only ten minutes away. From forty five minut...
by letsgobobby
Fri Oct 19, 2018 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: 529: multiple accounts for the same beneficiary
Replies: 17
Views: 1300

Re: 529: multiple accounts for the same beneficiary

You can put different investments in each, and thus have many accounts with no gains or even losses, thus avoiding in those accounts taxes and penalties on non qualified withdrawals. Total taxes should be lower in this scenario.
by letsgobobby
Fri Oct 19, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: 529: multiple accounts for the same beneficiary
Replies: 17
Views: 1300

Re: 529: multiple accounts for the same beneficiary

You could do the same thing just by making regular gifts. I don't see how scores of different 529 accounts makes any difference. Main differences are 1. While a completed gift in the eyes of the IRS, you can still control the investments and take the gift back whenever you want. 2. You can front lo...
by letsgobobby
Fri Oct 19, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: 529: multiple accounts for the same beneficiary
Replies: 17
Views: 1300

Re: 529: multiple accounts for the same beneficiary

I'm trying to understand the rules around the treatment of penalties for pulling money out of a 529 plan if needed. Suppose I have put $10k into a 529 plan 10 years ago that is now worth $100k so there has been $90k in growth. Now suppose today I decide to put in another $20k into a 529 for the sam...
by letsgobobby
Fri Oct 19, 2018 12:08 pm
Forum: Investing - Theory, News & General
Topic: Are bonds the Maginot Line of Modern Investing?
Replies: 42
Views: 3674

Re: Are bonds the Maginot Line of Modern Investing?

You also have a rapidly growing debt which no one really wants to try and fix since it doesn't help them win at the ballot box. The easiest way to fix the debt (for politicians) is to inflate it away. But obviously, hyper-inflation would be bad. But a nice steady inflation will definitely help with...
by letsgobobby
Fri Oct 19, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: Are bonds the Maginot Line of Modern Investing?
Replies: 42
Views: 3674

Re: Are bonds the Maginot Line of Modern Investing?

Good read from Matt Topley about some comments by Jeremy Schwartz https://matttopley.com/topleys-top-ten-october-19-2018/. It's a truism that generals fight the last war and that investors prepare for the last down turn. I think we underestimate the chance of a 1970s type scenario where both bonds ...
by letsgobobby
Fri Oct 19, 2018 10:25 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7462
Views: 1559878

Re: U.S. stocks in freefall

And this was the thread I was trying to link.

viewtopic.php?f=10&t=253655
by letsgobobby
Fri Oct 19, 2018 10:11 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7462
Views: 1559878

Re: U.S. stocks in freefall

Nedsaid, yes I believe a poster has noted this before. He was told it was always this way, so not too worry.

viewtopic.php?f=10&t=253655

viewtopic.php?f=10&t=260753

viewtopic.php?f=10&t=255695
by letsgobobby
Fri Oct 19, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Approach to rescinding a job acceptance
Replies: 50
Views: 3957

Re: Approach to rescinding a job acceptance

This is a question as to advice on the best best approach to rescinding an acceptance of a job offer. I know there is a lot of debate on taking a counter offer and whether or not one should rescind an acceptance of a new job. This is not that thread. I have decided to accept a counter offer to rema...
by letsgobobby
Fri Oct 19, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: End of Life Expenses
Replies: 6
Views: 1146

Re: End of Life Expenses

Bounce the last check. Isn't that the mantra?
by letsgobobby
Thu Oct 18, 2018 10:43 am
Forum: Investing - Help with Personal Investments
Topic: 2018 Income Tax Simulation
Replies: 10
Views: 1947

Re: 2018 Income Tax Simulation

Bumping for some more input regarding best 2018 tax simulator. We have about ten weeks to make any moves to optimize our situation.
by letsgobobby
Wed Oct 17, 2018 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Chase Private Client -- Worth it to hold Vanguard Funds?
Replies: 33
Views: 12968

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

I suspect those who travel internationally will find the no fee/no foreign currency adjustment ATM withdrawals of greater value than those that don't.

Just a hunch.
by letsgobobby
Mon Oct 15, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: How do you buy a mattress ?
Replies: 31
Views: 2367

Re: How do you buy a mattress ?

Hello everyone: Is there a proper way to buy a mattress? I'm about to replace the one in my 5th W travel trailer and I'm curious to hear your advice. Your input it's much appreciated!parigi. The cheapies which come standard with trailers aren't even comfortable for a child. We bought a Nova grande ...
by letsgobobby
Sun Oct 14, 2018 11:08 am
Forum: Investing - Theory, News & General
Topic: Vanguard does not recognize my restricted computer
Replies: 10
Views: 1152

Re: Vanguard does not recognize my restricted computer

i really like the security it offers. even if a thief could duplicate my two factor authentication, it seems it would be hard to replicate my IP address as well. i’ve never had this problem before. i have deleted all cookies, etc, and that did not help. my OS has not recently updated but I don't kno...
by letsgobobby
Sun Oct 14, 2018 10:16 am
Forum: Investing - Theory, News & General
Topic: Vanguard does not recognize my restricted computer
Replies: 10
Views: 1152

Re: Vanguard does not recognize my restricted computer

I limit my Vanguard access to my desktop computer. Tonight I cannot log in, I get a message that I have restricted access to a single device and Vanguard does not recognize my device. I’m hoping this is just some Saturday night glitch. :shock: I heard last week its a new 'device' recognition set-up...
by letsgobobby
Sun Oct 14, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Amica reocurring double digit increases in homeowners insurance
Replies: 39
Views: 4329

Re: Amica reocurring double digit increases in homeowners insurance

I am now echoing OP's concerns. My Amica auto and homeowner's each went up 25% this year alone. We have no new claims (no claims ever) and no adverse credit history, and nothing else about our personal situation has changed. It's impossible to compare across locations and situations but we pay $2222...
by letsgobobby
Sun Oct 14, 2018 12:15 am
Forum: Investing - Theory, News & General
Topic: Vanguard does not recognize my restricted computer
Replies: 10
Views: 1152

Vanguard does not recognize my restricted computer

I limit my Vanguard access to my desktop computer.

Tonight I cannot log in, I get a message that I have restricted access to a single device and Vanguard does not recognize my device.

I’m hoping this is just some Saturday night glitch. :shock:
by letsgobobby
Sat Oct 13, 2018 11:23 pm
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 39
Views: 2882

Re: Pacific Northwest trip

Has OP said if they want an urban trip or more nature? Good question. We'd obviously like to experience the city, but definitely want to do other things (whitewater rafting, boat trip, maybe fishing charter). Now I'm thinking that we might just spend the whole time in Oregon using Portland as a bas...
by letsgobobby
Sat Oct 13, 2018 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Buy new car with 25% tax credit vs. Keep old car
Replies: 9
Views: 917

Re: Buy new car with 25% tax credit vs. Keep old car

Since OP is being vague, I'll give a real world example. I replaced a paid off reliable 2006 Honda Civic with 144k miles with a new 2012 $30k Toyota Prius PHEV and received $4500 in total rebates and tax credits. The reason was simple: I could afford it. The intangibles of driving electric, solo HO...
by letsgobobby
Sat Oct 13, 2018 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Buy new car with 25% tax credit vs. Keep old car
Replies: 9
Views: 917

Re: Buy new car with 25% tax credit vs. Keep old car

I would not buy a $22,500 new EV for a 5000 mile annual drive unless you want to do it for environmental or social reasons. The old car has been reliable and could easily go 50k more miles, which is ten years. I drive 20k miles per year and my 12 year old car has 200k miles. I recently considered an...
by letsgobobby
Sat Oct 13, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 39
Views: 2882

Re: Pacific Northwest trip

Has OP said if they want an urban trip or more nature?
by letsgobobby
Fri Oct 12, 2018 10:36 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7462
Views: 1559878

Re: U.S. stocks in freefall

I can assure you the market will decline sharply from here today, and next week, as I used this morning to perform part of this half year’s value averaging, and bought VFVA. I have to complete the rest by the end of October.
by letsgobobby
Fri Oct 12, 2018 10:24 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7462
Views: 1559878

Re: U.S. stocks in freefall

will, gotcha, you are using, what, the derivative of the unemployment rate?
by letsgobobby
Fri Oct 12, 2018 9:23 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7462
Views: 1559878

Re: U.S. stocks in freefall

The stock market declines six months before the unemployment rate begins to rise. Isn't that a lagging indicator?
by letsgobobby
Fri Oct 12, 2018 2:23 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7462
Views: 1559878

Re: U.S. stocks in freefall

As it turns out, most of the time there have been 3%+ market losses they occurred when the market was doing a larger correction. So, it probably isn't over yet folks, even if there is a bounce - duck and cover! Unfortunately, 3%+ down days tend to occur during market sell-offs. I looked back at eve...
by letsgobobby
Wed Oct 10, 2018 7:05 pm
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 95
Views: 8320

Re: When will you backup the truck on stocks

Today is what I call a real sell off day, but not something that would make me break open the cash reserves and plung in. I have some reserves that I have earmarked for purchasing 5% more equities in case of a serious sell off. This isn't a regular re-balancing to your IPS or sleeping point plan. T...
by letsgobobby
Tue Oct 09, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: David Stein Money For the Rest of Us, and the Shrinking stock market
Replies: 2
Views: 773

Re: David Stein Money For the Rest of Us, and the Shrinking stock market

It certainly seems ‘real’ that the market is shrinking (in terms of number of companies). Not sure if the availability of private financing represents a cause or effect of that reality. Does it mean we are stuck investing only in mid-large-mega caps going forward? I am not aware of any cost effectiv...
by letsgobobby
Tue Oct 09, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: Any great (or even decent) Anki or AnkiDroid users?
Replies: 5
Views: 631

Re: Any great (or even decent) Anki or AnkiDroid users?

I also use on my Droid phone and have tried to create decks only on my desktop, but don’t seem to have a clue how to do it. Can you edit shared decks? Like have notes present one of the other fields (written, or English, rather than audio)? Otherwise I want to create a new deck that has fields with ...
by letsgobobby
Mon Oct 08, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Death Valley Trip Recommendations?
Replies: 19
Views: 1219

Re: Death Valley Trip Recommendations?

Super unique place. It will be crowded, book now. Worth renting a Jeep and doing Titus canyon in my opinion. Camping can be cold at night in February. If it's a dry year by March you might sneak up Telescope Peak though there is often snow later in the year. It's a really big place so allow time get...
by letsgobobby
Sun Oct 07, 2018 11:12 pm
Forum: Investing - Theory, News & General
Topic: Doubling down on EM [Emerging Market]
Replies: 55
Views: 5802

Re: Doubling down on EM [Emerging Market]

I’ve always had an EM-heavy portfolio, but during the recent decline in EM stock markets I’ve been adding to my holdings considersably. Particularly now with VWO under $40, it’s hard to resist buying EM for the long haul. The long run of underperformance in EM has definitely been frustrating, but I...
by letsgobobby
Sun Oct 07, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: 40-60% drawdown in bonds
Replies: 42
Views: 3758

Re: 40-60% drawdown in bonds

You wrote:
The 'bonds are for safety' idea needs significant revision. I believe that its proponents generally mean
On the basis of what facts do you have this knowledge about what the ‘bonds for safety’ crowd believes?
by letsgobobby
Sun Oct 07, 2018 2:19 pm
Forum: Investing - Theory, News & General
Topic: David Stein Money For the Rest of Us, and the Shrinking stock market
Replies: 2
Views: 773

David Stein Money For the Rest of Us, and the Shrinking stock market

The concept of a shrinking stock market was the subject of this thread in August, following at NY Times article: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=255695 At about the same time, Money for The Rest of Us, a decent financial podcast, addressed the same issue. Citing various sources...
by letsgobobby
Sun Oct 07, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: 40-60% drawdown in bonds
Replies: 42
Views: 3758

Re: 40-60% drawdown in bonds

willthrill81 wrote:
Sun Oct 07, 2018 10:05 am
I believe that its proponents generally mean 'bonds are less volatile than stocks in the short-term', which is much more accurate, but this isn't as catchy.
I certainly don’t mean that. On the basis of what data do you claim this?
by letsgobobby
Sun Oct 07, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Any great (or even decent) Anki or AnkiDroid users?
Replies: 5
Views: 631

Any great (or even decent) Anki or AnkiDroid users?

I would like to learn how to use this program to its fullest extent but despite having used the Android app for years, I have never learned how to make my own decks. I can only download shared decks which is better than nothing but has severe limitations. I have read through the online manual and ge...
by letsgobobby
Sat Oct 06, 2018 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 75
Views: 9029

Re: 20 countries where 200K in retirement savings will last you decades

Anyway, I find it hard to get overly worked up about articles like that. They are entertainment meant to be consumed as fantasy by the broad middle-class in their normal jobs and written by a struggling "journalist" who probably has to wait tables to make ends meet and is hoping that writing "conte...
by letsgobobby
Fri Oct 05, 2018 5:27 pm
Forum: Investing - Theory, News & General
Topic: 529 transfer, can I segregate my principal and earnings?
Replies: 8
Views: 574

Re: 529 transfer, can I segregate my principal and earnings?

You can not request the principal and earnings of a single investment. All distributions are allocated a proportional amount of all principal and earnings combined in the account. There is no ability to isolate investments, principal or earnings in a single 529 account. If you wanted to do that. Yo...
by letsgobobby
Fri Oct 05, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...1.5 years later
Replies: 199
Views: 29320

Re: Learning Violin as an adult...1.5 years later

Latest update at the back of the thread. ----- Any folks on here decide they'd like to learn to play an instrument for the first time as an adult and total beginner? As in, you cannot even read music? If so, what did you try and how did it go? My daughter has been playing the flute for two years an...
by letsgobobby
Fri Oct 05, 2018 4:18 pm
Forum: Investing - Theory, News & General
Topic: 529 transfer, can I segregate my principal and earnings?
Replies: 8
Views: 574

Re: 529 transfer, can I segregate my principal and earnings?

livesoft wrote:
Fri Oct 05, 2018 3:48 pm
The answer lies in Publication 970 where everything about 529 plans appears as following a pro-rating requirement.
in the above example, 14/29 of the investment is earnings.

if i request a withdrawal of the entirety of investment A, is 1/6 earnings or 14/29?
by letsgobobby
Fri Oct 05, 2018 3:45 pm
Forum: Investing - Theory, News & General
Topic: 529 transfer, can I segregate my principal and earnings?
Replies: 8
Views: 574

Re: 529 transfer, can I segregate my principal and earnings?

It might be faster and simpler to do an indirect rollover. If I withdraw the money from the 529, is it correct that I have 60 days to deposit it in the other 529 to avoid taxes/penalties? I assume it does not have to be the same money? Ie, I can withdraw $100 from the 529, and while waiting for it t...
by letsgobobby
Fri Oct 05, 2018 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Evaluate net worth - FIRE really that close?
Replies: 56
Views: 7651

Re: Evaluate net worth - FIRE really that close?

how do you plan to get from $1050k to $3000 in five years?

but yes, if you can live on $90k long term, $3m at age 40 in available assets (not equity or college savings) will work well.

you’re doing great.
by letsgobobby
Fri Oct 05, 2018 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 55
Views: 4101

Re: Tax Loss Harvest (TLH) VWIUX

Bit confused by this thread but it sounds like TLH into the long term tax exempt bond fund is fine. Alternative would be one of the state specific bond funds but that is a less diversified holding.