Search found 10416 matches

by letsgobobby
Sat Oct 14, 2017 11:06 pm
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 5238

Re: What do you buy in Asian food stores?

DTSC wrote:
Sat Oct 14, 2017 8:42 pm
Being Asian American, I just buy "food".

Live lobsters at $5.99 per pound at H-mart, when they are on sale.
exactly, it's hard to narrow it down much more than that. just recently, moon cakes.
by letsgobobby
Sat Oct 14, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Buying 2nd House - Affordability Check
Replies: 17
Views: 1928

Re: Buying 2nd House - Affordability Check

I live in a HCOL area and was able to break into a house during the market crash. We are married with no kids, but plan to start trying in 2018. We are wanting to continue to save to buy another house and turn current home into an investment property. I've ran the numbers and wanted to run this by ...
by letsgobobby
Sat Oct 14, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Earplugs that work on low frequency noise?
Replies: 35
Views: 1753

Re: Earplugs that work on low frequency noise?

I don't understand the physics but my experience has been that not much helps block low frequency sound. I have tinnitus and hearing loss at high frequencies. I can hear low frequency sounds from longer distance than my spouse. Ear plugs do not seem to make any difference for me - maybe the sound v...
by letsgobobby
Sat Oct 14, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: Earplugs that work on low frequency noise?
Replies: 35
Views: 1753

Re: Earplugs that work on low frequency noise?

If you own your home, replacing the windows in your bedroom or getting a soundproofing second window installed over them would be worthwhile, but probably not for a rental. In that case, just make sure that they are sealed properly and get light- and noise-blocking barrier covers instead. We do own...
by letsgobobby
Fri Oct 13, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 78
Views: 7215

Re: To take or not to take delivery of Tesla 3

Is the 94 ah the 'bigger battery' or standard?

Anyway I see 2015 models with the range extender and around 10,000 miles for around $19k-$20k. Seems worth getting the REx.
by letsgobobby
Fri Oct 13, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 92
Views: 5133

Re: How many miles/years do you keep your car?

No plan per se, but historically our vehicles got donated or sold when they had between 12-16 years and 225k-250k miles.

My current vehicle has 11 years and 175k miles. It burns some oil but is very reliable and drives well, so I plan to keep it another 3-4 years (up to 60k more miles) if possible.
by letsgobobby
Fri Oct 13, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 78
Views: 7215

Re: To take or not to take delivery of Tesla 3

I cancelled my reservation; it was painful after waiting a year and a half. I still have mixed feelings about it as I am very much in favor of EV's and I am in the group that should be bearing the cost so others can have them at some point. I just couldn't do it :(. Thank you for doing your part; y...
by letsgobobby
Fri Oct 13, 2017 2:54 am
Forum: Personal Consumer Issues
Topic: SUV options with 3 little kids
Replies: 57
Views: 3147

Re: SUV options with 3 little kids

have you considered a pick up truck? will fit three across in the second row. Put a cap on the back and you'll have all the luggage room you'll need. All-wheel-drive, check. you can get a good one for $30,000.
by letsgobobby
Thu Oct 12, 2017 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Reallocate 529 AA
Replies: 4
Views: 155

Re: Reallocate 529 AA

Just reallocated 50% of my Utah 529 to 20/80 Stock/Bond AA. The bull market reward us pretty well during last 10 years. One of my 17 year old is going to university next year. Think it's the perfect time to move away form 100% to 20/80. My second kid still have 10 more years to go, I left 1/2 in 10...
by letsgobobby
Thu Oct 12, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Standard Sales Tax Deduction is Miserly -- here's my way
Replies: 28
Views: 3789

Re: Standard Sales Tax Deduction is Miserly -- here's my way

The 2016 version of IRS Pub 17 (2017 version not yet released), pages 152-153 discusses state and local general sales taxes deductions. Included therein is a definition of motor vehicles. My interpretation of that section and the list therein indicates a motor vehicle is something that actually has...
by letsgobobby
Thu Oct 12, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Standard Sales Tax Deduction is Miserly -- here's my way
Replies: 28
Views: 3789

Re: Standard Sales Tax Deduction is Miserly -- here's my way

is there any way to find a definitive answer?
by letsgobobby
Wed Oct 11, 2017 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Standard Sales Tax Deduction is Miserly -- here's my way
Replies: 28
Views: 3789

Re: Standard Sales Tax Deduction is Miserly -- here's my way

Just a reminder on sales tax deduction. It is my understanding that on a remodeling/renovation job you can take the sales tax deduction for the material purchased only if you purchased the items yourself. You cannot do so if the contractor bought the material and then invoiced you. In that case he ...
by letsgobobby
Wed Oct 11, 2017 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 91
Views: 7586

Re: New HSA provider Lively offers investments for $30/yr fee

In my search for a HSA provider, I assign a "fee" value of $40 per year for each thousand that cannot be invested. $2k that cannot be invested is like a fee of $80 / year. That's pretty generous. I would just think of the $1000 cash requirement in my HSA as part of my emergency fund and lower my ba...
by letsgobobby
Wed Oct 11, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 91
Views: 7586

Re: New HSA provider Lively offers investments for $30/yr fee

We save with OptumBank HSA. No fees. Funds are invested with Vanguard VTSAX at 0.04% expense ratio. Very happy. According to HSA Search, you are paying .03% portfolio fee plus a minimum of $3k or $2.75 monthly. Is that correct? If so Lively would seem to be slightly cheaper as well as having the fu...
by letsgobobby
Wed Oct 11, 2017 12:31 am
Forum: Personal Finance (Not Investing)
Topic: What specific changes have you made post-Equifax?
Replies: 51
Views: 3698

Re: What specific changes have you made post-Equifax?

tetractys wrote:
Wed Oct 11, 2017 12:16 am
Totally unconcerned. — Tet
can you say more about why not?

I do not worry about credit card accounts opened in my name, but I do worry about investment accounts being pilfered and, to a lesser extent, tax refunds being claimed under my name.
by letsgobobby
Tue Oct 10, 2017 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: What specific changes have you made post-Equifax?
Replies: 51
Views: 3698

Re: What specific changes have you made post-Equifax?

- all passwords long and random using password manager, which exists only on my desktop Just curious, which password manager, and how to ensure it exists only on desktop? If it's something like LastPass, I assume the OP was referring to only installing the extension/app or only using the website fr...
by letsgobobby
Tue Oct 10, 2017 12:22 pm
Forum: Investing - Theory, News & General
Topic: Getting deeper small-cap value exposure in taxable is almost free
Replies: 31
Views: 4643

Re: Getting deeper small-cap value exposure in taxable is almost free

There are several ETF options for small-cap value investors. The funds which give better exposure to small-cap and value are not necessarily the best options, because they cost more; you might use a larger amount of a less expensive fund instead to get the same exposure. However, I noticed that the...
by letsgobobby
Mon Oct 09, 2017 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: What specific changes have you made post-Equifax?
Replies: 51
Views: 3698

What specific changes have you made post-Equifax?

In the several long threads about Equifax I got lost as to the specific changes folks have made, and/or think are worth making. I'll list what I've done but hope I can do more. What I had already done: - 2 factor authentication at Fidelity - voice verification at Vanguard - all passwords long and ra...
by letsgobobby
Mon Oct 09, 2017 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 45
Views: 3402

Re: Windfall and advice

several radio personalities have a checklist of questions to ask advisors. ric edelman, Clark howard, Dave Ramsey, etc. you can find the checklist on their websites or in their books.

who is proposing fees of 0.1%? I do not think that will be financial advice, only investment management.
by letsgobobby
Mon Oct 09, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 45
Views: 3402

Re: Windfall and advice

I agree with a lot of the points here. I am just wondering if for my sanity low fee advisors may be worth it. It’s painful to see your portfolio drop 50k in a day. 500k in a day or a few would be very stressful. You do not have time to rebalance once or twice a year, but have time to watch daily fl...
by letsgobobby
Sun Oct 08, 2017 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: 529 help
Replies: 22
Views: 1222

Re: 529 help

. If it does get overfunded, the money can be transferred between children, and I believe it can even be transferred to other relatives or yourself, say if you wanted to go back to school for another degree. Right. In other words, there is no problem with overfunding a 529 (in your situation). I ha...
by letsgobobby
Sun Oct 08, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Change for a $20 requires ID!!
Replies: 22
Views: 2274

Re: Change for a $20 requires ID!!

First time I ran into this rule at local bank....is it new? Can I get a $10 and two $5's for this $20? No, not without proper ID Wow, part of the know if your customer is laundering money This story would be more interesting if you had just withdrawn $20 from your account, then asked to change that...
by letsgobobby
Sun Oct 08, 2017 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: 529 help
Replies: 22
Views: 1222

Re: 529 help

What's wrong with overfunding 529s?
by letsgobobby
Sun Oct 08, 2017 9:53 am
Forum: Personal Consumer Issues
Topic: Spouse gets blowouts? [Hair care]
Replies: 47
Views: 2254

Re: Spouse gets blowouts?

My spouse gets blowouts, which I'm probably oversimplifying but it is paying someone to dry your hair. $80 bottles of shampoo. Mani/peti spouse, pawdi for the dog. These are all things that provide value and enjoyment to my spouse. The total cosmetic maintenance cost is likely under $2k per year, d...
by letsgobobby
Sun Oct 08, 2017 12:31 am
Forum: Investing - Help with Personal Investments
Topic: Washington GET 529 Reopened: Good deal?
Replies: 13
Views: 962

Re: Washington GET 529 Reopened: Good deal?

EddyB wrote: ↑Fri Oct 06, 2017 5:54 pm letsgobobby wrote: ↑ I agree. Would think that the premium rates (i.e. purchase price) is based on sound acturarial models. The fact that the premiums are so low now suggests that UW tuition (which I guess is inversely correlated with tax revenue) is not going...
by letsgobobby
Sat Oct 07, 2017 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: 529 help
Replies: 22
Views: 1222

Re: 529 help

go for it if you have the cash.
by letsgobobby
Sat Oct 07, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 190
Views: 21704

Re: Retirement Account Stolen by Identity theft

I think that Trans America is responsible for this mess. Why didn't they send a letter to the account holder when there was a change to the account? Why didn't they make a two minute phone call to the account holder to confirm that he requested the change? You probably have good reasons to take leg...
by letsgobobby
Sat Oct 07, 2017 9:26 am
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 91
Views: 8790

Re: Flagship Reps

Has anyone in fact had their Flagship rep dropped? My same rep is still listed on my home page and she is still the one I message with any questions. She personally called me in August to check in on a few things as there had been a lot of necessary activity in my accounts earlier in the year. I hav...
by letsgobobby
Sat Oct 07, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 190
Views: 21704

Re: Retirement Account Stolen by Identity theft

This is not just about Vanguard's security. It's about their reimbursement commitment: Our commitment regarding online security is simple. If assets are taken from your account in an unauthorized online transaction on Vanguard.com®—and you've followed the steps described in the Your responsibilitie...
by letsgobobby
Fri Oct 06, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 190
Views: 21704

Re: Retirement Account Stolen by Identity theft

My suggestion may meet with some resistance but here's something I do. Check accounts every day. If you see a notation "pending transaction" on a holding, and you didn't request a transaction....well..... 2b2 Until we figure out how to navigate the post-Equifax world, I am taking your approach. Reg...
by letsgobobby
Fri Oct 06, 2017 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Washington GET 529 Reopened: Good deal?
Replies: 13
Views: 962

Re: Washington GET 529 Reopened: Good deal?

We dont so far plan to do it as I think there is a good chance our kids will go out of state (especially since i want them to go somewhere warmer so i can visit to escape winter) The deal doesn't seem so good if your kid goes out of state why does it matter where your kids go to school? I would hav...
by letsgobobby
Fri Oct 06, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Inheriting an inherited IRA
Replies: 17
Views: 7426

Re: Inheriting an inherited IRA

In summary then, the schedule dictating the withdrawals of a non-spousal beneficiary of an inherited IRA stands no matter what happens to that original beneficiary thereafter (or who he assigns as his beneficiaries)?
by letsgobobby
Fri Oct 06, 2017 5:49 pm
Forum: Investing - Theory, News & General
Topic: Bogle himself is saying we will expect like 3% for the next decades
Replies: 139
Views: 14277

Re: Bogle himself is saying we will expect like 3% for the next decades

3% is better than Nothing. Anyway, Keep Investing :happy Sorry, but 3% is [absolutely unacceptable --admin LadyGeek] . Nobody gets rich with 3% annual. There must be alternatives. I dunno, buying condos, renovating them and renting them out will get you more than 3%. Investing that money in some bu...
by letsgobobby
Fri Oct 06, 2017 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Washington GET 529 Reopened: Good deal?
Replies: 13
Views: 962

Re: Washington GET 529 Reopened: Good deal?

limeyx wrote:
Fri Oct 06, 2017 5:21 pm
We dont so far plan to do it as I think there is a good chance our kids will go out of state (especially since i want them to go somewhere warmer so i can visit to escape winter)

The deal doesn't seem so good if your kid goes out of state
why does it matter where your kids go to school?
by letsgobobby
Fri Oct 06, 2017 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Washington GET 529 Reopened: Good deal?
Replies: 13
Views: 962

Re: Washington GET 529 Reopened: Good deal?

Agreed. The only concern I have is that it seems like WA state tax revenue is likely to be high for the long term due to the sharp increases in home prices (and increases in number of homes for that matter). Therefore we may not see the historical increases in WA state tuition in the future. Was th...
by letsgobobby
Fri Oct 06, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 50
Views: 6222

Re: MoviePass-Too good to be true, but it's legit.

How would this work for a family of 4? Four cards? Yes, they have to be 4 separate accounts. I'm not sure how it would work for younger kids without access to the mobile app. That may be something you would want to clear up before signing up :thumbsup That may be one way to recover some costs. If A...
by letsgobobby
Fri Oct 06, 2017 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 190
Views: 21704

Re: Retirement Account Stolen by Identity theft

A 78 year old with a million dollar IRA will have an RMD of $50,000.

I'm sure many Bogleheads will be in this situation.
by letsgobobby
Fri Oct 06, 2017 1:23 am
Forum: Investing - Help with Personal Investments
Topic: Washington GET 529 Reopened: Good deal?
Replies: 13
Views: 962

Re: Washington GET 529 Reopened: Good deal?

That's very interesting. That's a much lower premium than existed before the GET closed a couple of years ago. In general UW tuition increases have moved inversely to the stock market. Thus if you think the stock market will continue to have robust gains, you would expect tuition to increase slowly ...
by letsgobobby
Thu Oct 05, 2017 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 190
Views: 21704

Re: Re:UPDATE: Retirement Account Stolen by Identity theft

So for those of you who are interested, here is the latest installment of new information. The initial call to the custodian of the IRA (Transamerica), which both changed the email address and requested forms for withdrawal of funds, was made from a telephone located at the place my father worked, ...
by letsgobobby
Thu Oct 05, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 50
Views: 6222

Re: MoviePass-Too good to be true, but it's legit.

tbradnc wrote:
Thu Oct 05, 2017 5:26 pm
You have to be within 100 yards of your theater to book a ticket.
soooo... can't get one for my kids? (who don't have cell phones of their own)?
by letsgobobby
Thu Oct 05, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 190
Views: 21704

Re: Re:UPDATE: Retirement Account Stolen by Identity theft

So for those of you who are interested, here is the latest installment of new information. The initial call to the custodian of the IRA (Transamerica), which both changed the email address and requested forms for withdrawal of funds, was made from a telephone located at the place my father worked, ...
by letsgobobby
Thu Oct 05, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 190
Views: 21704

Re: Retirement Account Stolen by Identity theft

I was just going to start a new thread about something similar. Clark Howard has opined that the Equifax breach now opens up the possibility of easy and routine theft of retirement and investment accounts, since essentially all personal information used to verify identity is now in the hands of croo...
by letsgobobby
Tue Oct 03, 2017 10:42 pm
Forum: Investing - Theory, News & General
Topic: $10 million+ - Still Working and LBYM
Replies: 162
Views: 16209

Re: $10 million+ - Still Working and LBYM

The risks are extremely remote in my view for any of these triggers to happen so severely that the economic picture changes meaningfully and persistently in these areas. Again, these are the areas where so many in the US and around the world aspire to live and work and invest their money, and not j...
by letsgobobby
Tue Oct 03, 2017 5:55 pm
Forum: Investing - Theory, News & General
Topic: $10 million+ - Still Working and LBYM
Replies: 162
Views: 16209

Re: $10 million+ - Still Working and LBYM

It is not pre-ordained that real estate, even in the "right" locations (as of 2017) will go up, or even stay flat, nor that you can extract your capital relatively easily, as you can with bonds. At one point in time, Detroit was a boomtown. Detroit real estate circa 1955 probably looked pretty good...
by letsgobobby
Mon Oct 02, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: camping trailer...need to change vehicle?
Replies: 44
Views: 2632

Re: camping trailer...need to change vehicle?

Casita is really small for a family. Nice campers, but very small. If you have a long stretch of rainy weather you will be unhappy. On the other hand, if you can set up a nice canopy and be prepared to be outside (but covered) playing cards or reading, you'll be ok. Depends on your family. For month...
by letsgobobby
Mon Oct 02, 2017 9:21 am
Forum: Investing - Theory, News & General
Topic: $10 million+ - Still Working and LBYM
Replies: 162
Views: 16209

Re: $10 million+ - Still Working and LBYM

Wealth is relative for most people. The vast majority will wonder why someone with more than they ever expect to have are still working. For some, it is math. Your math shows that you can't really support your current lifestyle without continuing to work. For some it is Calvinistic ethics. You work...
by letsgobobby
Sun Oct 01, 2017 10:14 pm
Forum: Personal Consumer Issues
Topic: camping trailer...need to change vehicle?
Replies: 44
Views: 2632

Re: camping trailer...need to change vehicle?

I have a Tundra, it works very well. 10k towing capacity so any regular trailer will work except for the largest/heaviest models. Bought it used for $17k, could probably sell it for $20k today. Toyota holds value rather well. Ours trailer is 27ft, gross weight 7600 lbs, has little kitchen, bath/sho...
by letsgobobby
Sun Oct 01, 2017 9:55 pm
Forum: Personal Consumer Issues
Topic: camping trailer...need to change vehicle?
Replies: 44
Views: 2632

Re: camping trailer...need to change vehicle?

Pick your trailer first. Then pick the tow vehicle.
by letsgobobby
Sun Oct 01, 2017 9:42 am
Forum: Personal Finance (Not Investing)
Topic: loosening the purse strings a bit at 37?
Replies: 30
Views: 3894

Re: loosening the purse strings a bit at 37?

you've got a great start, but you only live once. money is a tool to facilitate desires. it's up to you if your greater desire is a little more spending now or a little earlier FI later.