Search found 369 matches

by e5116
Tue Jun 19, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Article on hotel booking sites - no bargains
Replies: 37
Views: 3460

Re: Article on hotel booking sites - no bargains

I mostly use airbnb/vrbo now. Much nicer, quieter, cleaner, larger, less expensive with real reviews. Same here, outside of work travel, it is all AirBNB. Question for your AirBnB aficionados: how have you found the price for short stays compared to nearby hotels? I explore airbnb/vrbo options when...
by e5116
Tue Jun 19, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Best stroller+infant seat for gravel roads?
Replies: 18
Views: 995

Re: Best stroller+infant seat for gravel roads?

My wife thought the BOB was too heavy for her to carry (25 lbs), so we went with the City Mini GT (~20 lbs). We've liked it. Perhaps not as meant for major jogging as the BOB (the wheels are a bit smaller but still large), but we've had no problems with it on tough terrain including gravel, rocks, e...
by e5116
Fri Jun 15, 2018 9:03 am
Forum: Investing - Help with Personal Investments
Topic: 24 years old starting my first rothIRA
Replies: 14
Views: 1101

Re: 24 years old starting my first rothIRA

I would recommend the Vanguard 2060 Target Retirement Fund for your Roth IRA. You can open it with a $1,000 initial contribution. It will be 90% stocks (domestic & international) & 10% bonds (domestic & international). It will move to 50%/50% in 2060, then 30%/70% in 2067. Once you get better educa...
by e5116
Fri Jun 15, 2018 8:18 am
Forum: Investing - Help with Personal Investments
Topic: 24 years old starting my first rothIRA
Replies: 14
Views: 1101

Re: 24 years old starting my first rothIRA

I would recommend the Vanguard 2060 Target Retirement Fund for your Roth IRA. You can open it with a $1,000 initial contribution. It will be 90% stocks (domestic & international) & 10% bonds (domestic & international). It will move to 50%/50% in 2060, then 30%/70% in 2067. Once you get better educa...
by e5116
Thu Jun 14, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Home Sellers - do you read Buyer inspection reports?
Replies: 25
Views: 2006

Re: Home Sellers - do you read Buyer inspection reports?

I've had two experiences as a buyer related to the inspection report. The first the report was terrible and full of items noted. It was so bad that we backed out of the deal, but it was in a multi-bid situation, so the seller didn't really care. The inspector told me to NOT send it to them because t...
by e5116
Tue Jun 12, 2018 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Forbes: Millennials Aren't Having Kids Heres Why That's a Problem for Baby Boomer Real Estate and Retirement
Replies: 74
Views: 7005

Re: Forbes: Millennials Aren't Having Kids Heres Why That's a Problem for Baby Boomer Real Estate and Retirement

OP, I wonder if your observation would be different if you weren't in Chicago or Illinois. This article came across my newsfeed not too long ago: http://www.chicagotribune.com/news/opinion/editorials/ct-edit-illinois-exodus-population-taxes-20180412-story.html I'm hardly an expert on the matter but...
by e5116
Tue Jun 12, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Forbes: Millennials Aren't Having Kids Heres Why That's a Problem for Baby Boomer Real Estate and Retirement
Replies: 74
Views: 7005

Re: Forbes: https://www.forbes.com/sites/josephcoughlin/2018/06/11/millennials-arent-having-kids-heres-why-thats-a-probl

Thanks for linking the article and interesting points RE: Chicago given that I also live in the Chicago area (purchased a home a few years ago in an inner-rung suburb that most would consider the most urban/walkable/diverse in Chicagoland). I have noticed the same thing with Boomers' homes that they...
by e5116
Tue Jun 12, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Another home thread: 2mil / 40K in taxes
Replies: 59
Views: 5367

Re: Another home thread: 2mil / 40K in taxes

I have no suggestion but when you quote this earning power at age 32, I would certainly like to know the industry and the job specific so that I can get my future grand-kids in those fields. It is too late for me or my kids to change the careers at this stage. I second that question for my college ...
by e5116
Wed Jun 06, 2018 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: 529 College Saving question
Replies: 15
Views: 948

Re: 529 College Saving question

The Bright Start Plan that IL offers is great in that it offers very low cost index funds and you get "free money" from the IL tax deduction. Definitely worthwhile and looks good to me. Yes, you don't want to overfund it and most Bogleheads would say your retirement should come first, but I'm not on...
by e5116
Thu May 31, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: How to buy commodities (soybeans)
Replies: 16
Views: 1787

Re: How to buy commodities (soybeans)

To be honest, I've always had an urge to buy pork bellies after watching Coming to America starring Eddie Murphy. To this date, I've been limited to buying them at the supermarket one piece at a time. :D My favorite movie about commodities trading is Trading Places , also starring Eddie Murphy. I d...
by e5116
Thu May 31, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: Renting vs Owning Your Home
Replies: 166
Views: 13339

Re: Renting vs Owning Your Home

ANNUAL COSTS (excluding utilities): RENTING $3,050 * 12 = $36,600 OWNING HOA: $623 *12 = $7476 property tax: $6,044 maintenance: $300 * 12 = $3,600 insurance: $500 inflation-adjusted appreciation: $0 (no appreciation beyond inflation) TOTAL: $17,620 Let's assume for now that these numbers are const...
by e5116
Wed May 30, 2018 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Bond diversification for high tax brackets?
Replies: 4
Views: 662

Re: Bond diversification for high tax brackets?

I personally wouldn't want munis to make up the majority of my bond holdings, but also wouldn't be overly worried about them being a sizable chunk. I also wouldn't go out of my way to hold international bonds, but having some US treasuries and corporate bonds in addition to the munis would be advisa...
by e5116
Tue May 29, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Splurging on the NBA finals
Replies: 56
Views: 5029

Re: Splurging on the NBA finals

ronno2018 wrote:
Mon May 28, 2018 8:58 pm
It you like the match up this year definitely go!
This is a funny comment because it's the fourth year in a row of the exact same matchup! Not disagreeing with you at all though, but just had to point out the humor of the comment. :)
by e5116
Tue May 29, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Lawyer instead of buyer's real estate agent? Experience anyone?
Replies: 54
Views: 5003

Re: Lawyer instead of buyer's real estate agent. Experience anyone?

Not interested in "customer service" for tens of thousands of dollars! You're not paying for it nor do you have a choice in the matter. The commission is paid by the seller. Well the deal is done and I am sitting in my new home. Thought I would update the thread in case anyone is interested or want...
by e5116
Tue May 29, 2018 11:04 am
Forum: Investing - Theory, News & General
Topic: How important are International REITs?
Replies: 6
Views: 737

Re: How important are International REITs?

Adding VNQI to a Bogleheads Four Fund portfolio actually reduces its diversification. And historically reduced its absolute return AND its risk-adjusted return. REITs add nothing to a portfolio that adding more small stocks and long bonds wouldn’t do better, as a rule. Maybe...but let's look at tod...
by e5116
Wed May 23, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Babymoon - Hawaii Recommendations/Expected Costs
Replies: 27
Views: 1848

Re: Babymoon - Hawaii Recommendations/Expected Costs

Don't really have any recommendations for Hawaii as I haven't gone myself (although based on what I've heard/read, I'd lean towards Maui), but just thought I'd tell the OP to ignore some of the naysayers and do what you want! :D I think it is reasonable advice to try to stretch it out to be more tha...
by e5116
Wed May 23, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Buy this home?
Replies: 39
Views: 4088

Re: Buy this home?

INPUTS to NYT calculator: PP: 910,000 Time: 9 years Rate: 4.5% Down: 35% Price Appreciation: 4% (which is conservative for Issaquah based on actual and forecasted) Rent Increase: 3% (which is less than what we've seen every year for the last 4 years) Reduce buying closing costs by 1% (I'll actually...
by e5116
Sun May 20, 2018 10:49 pm
Forum: Personal Consumer Issues
Topic: Home Depot's Life Proof Rigid Core Vinyl Flooring
Replies: 6
Views: 852

Re: Home Depot's Life Proof Rigid Core Vinyl Flooring

I got Lifeproof plank vinyl from HD put in my basement over concrete last year. Like it so far and would recommend it. Looks pretty nice, waterproof, and easy to work with. I didn’t use HD's installation services as had contractors doing other work put it in and they did so pretty easily. Note that ...
by e5116
Fri May 18, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Mitsubishi wall air conditioner
Replies: 34
Views: 2245

Re: Mitsubishi wall air conditioner

If it is hot during the summer, we'll want to address it though. My wife is less keen on a window box, and has suggested a portable floor AC model. These seem to fall in the $300-600 range, but I have some doubts about their efficacy. Depending on the price of a mini split system, that could instea...
by e5116
Fri May 18, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 12337

Re: how do you tip on wine at a restaurant

I would've tipped a bit more in that situation, but the OP isn't out of line. It is often the case that people tip less on alcohol...likely because it is so marked up to begin with and requires comparatively little effort. I just don't understand this. The waiter isn't cooking your steak and that's...
by e5116
Fri May 18, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: Mitsubishi wall air conditioner
Replies: 34
Views: 2245

Re: Mitsubishi wall air conditioner

In my experience, they work well but are not any cheaper to install than a traditional central air system when doing it for the entire house, so you should like something about them over central a/c if choosing them (although you indicated it's just for upstairs, so maybe that changes the cost calcu...
by e5116
Wed May 16, 2018 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Urgent: escrow situation in bay area
Replies: 50
Views: 2967

Re: Urgent: escrow situation in bay area

What does your wife think? If it were me, I'd rely on her more than internet strangers. Obviously, you're getting cold feet which does happen sometimes. I kinda got it myself too as buying a house is a huge investment and risk. You're probably buying more house than I'd personally buy at that income...
by e5116
Wed May 16, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Junk Bond fund
Replies: 65
Views: 4021

Re: Vanguard Junk Bond fund

mikebee wrote:
Wed May 16, 2018 1:51 am
whodidntante wrote:
Tue May 15, 2018 10:13 pm
We Bogleheads prefer to lose our money in Vanguard Total Bond Market.
Why ? Not helpful. Please address OP's first post.
whodidntante's post was tongue in cheek. :P
by e5116
Mon May 14, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Considerations for rolling an IRA into employers 401K
Replies: 5
Views: 345

Re: Considerations for rolling an IRA into employers 401K

Note that some 401k plans say they allow "Traditional IRA to 401k" rollovers, but when you read the fine-print on the transfer form, they technically only allow Traditional IRA to 401k transfers if the Traditional IRA was a Rollover (that is, Traditional IRA contributions that were tax-deductible in...
by e5116
Thu May 10, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: Changing American Airlines Mileage ticket
Replies: 6
Views: 403

Re: Changing American Airlines Mileage ticket

Since it's within 24 hours, you can cancel without penalty (as long as travel is at least two days out). Then, just book the correct days. Do NOT try to change the reservation as change fees may apply. Refund policy for cancellation applies to revenue and award tickets so you should be good. "If I ...
by e5116
Thu May 10, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Changing American Airlines Mileage ticket
Replies: 6
Views: 403

Re: Changing American Airlines Mileage ticket

Since it's within 24 hours, you can cancel without penalty (as long as travel is at least two days out). Then, just book the correct days. Do NOT try to change the reservation as change fees may apply. Refund policy for cancellation applies to revenue and award tickets so you should be good. "If I c...
by e5116
Thu May 10, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Amazon Alternative
Replies: 86
Views: 7947

Re: Alternatives to Amazon

Google. Just type in a product and the google shopping results will be at the top. They are paid ads, so you're not going to get the price of it everywhere, but it should give you a sense of what the price range should be and potential suppliers of the item. You can click the details to see the pric...
by e5116
Tue May 08, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: Which City to spend 4-6 weeks?
Replies: 47
Views: 4637

Re: Which City to spend 4-6 weeks?

Love Vienna.... Beautiful, bustling, nice people, great architecture, food, etc. Not necessarily the cheapest though (particularly compared to nearby cities like Prague, Budapest, etc), but it's all relative. I'd probably move around myself, but I get it that you're trying to "feel like a local" by ...
by e5116
Mon May 07, 2018 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Start 529 Plan?
Replies: 45
Views: 2117

Re: Start 529 Plan?

Wow, after reading the initial post, I was wondering if I was reading about myself. :shock: Same age, children and ages (including month of expecting), state of residence, etc. Except then you posted your net worth on a subsequent post and mine is significantly less although still substantial for ag...
by e5116
Wed May 02, 2018 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Why are two almost identical value ETFs (MGV and VTV) priced so differently?
Replies: 20
Views: 1476

Re: Why are two almost identical value ETFs (MGV and VTV) priced so differently?

Yep, what everybody above said, but wanted to re-iterate that the price does NOT indicate how expensive something is. It's counter-intuitive to all of our other purchases in life, so perhaps hard to grasp, but the price can be set at basically any value the fund advisor wants without actually impact...
by e5116
Mon Apr 30, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Gate latch that opens from both sides?
Replies: 11
Views: 674

Re: Gate latch that opens from both sides?

It’s a four foot fence. Is someone exceedingly short going to need to open it? Yes, young children. :) Thanks for the links all. Are you sure you want children who are young enough that the can’t reach over a four foot fence to actually have unfettered access to both sides of the gate? Yes. The add...
by e5116
Mon Apr 30, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Gate latch that opens from both sides?
Replies: 11
Views: 674

Re: Gate latch that opens from both sides?

quantAndHold wrote:
Mon Apr 30, 2018 10:28 am
It’s a four foot fence. Is someone exceedingly short going to need to open it?
Yes, young children. :)

Thanks for the links all.
by e5116
Mon Apr 30, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: Gate latch that opens from both sides?
Replies: 11
Views: 674

Gate latch that opens from both sides?

Hey all, getting a new 4-foot red cedar fence installed soon and was looking at what gate latches to use. Seems like the most common thing is to do a simple gravity lever latch, but that requires the person to reach over the fence when entering from the outside to open it. It'd be nice to have a han...
by e5116
Mon Apr 09, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Anyone tried a sunrise alarm clock?
Replies: 42
Views: 3376

Re: Anyone tried a sunrise alarm clock?

What's a "sunrise alarm clock"? The clock we have in our bedroom is a digital clock-radio with an old-style 30-pin Apple port on which we have docked an iPod containing wake-up music. It fires when the alarm time hits. It's an alarm clock that simulates the sunrise in your room as it has a large bu...
by e5116
Mon Apr 09, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Home inspection/negotiation question
Replies: 20
Views: 933

Re: Home inspection/negotiation question

If you like the house and you think you're getting a good deal (like your realtor said in the $30-40k range discount), I wouldn't let an old roof scare you away. Particularly because that's something that's easily fixable, but just has a cost. I also wouldn't want the sellers to do the job either si...
by e5116
Mon Apr 09, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Anyone tried a sunrise alarm clock?
Replies: 42
Views: 3376

Re: Anyone tried a sunrise alarm clock?

My wife also has the Philips sunrise alarm clock and really likes it (and since I'm in the same bed, I also "use" it). During the summer it's not a big deal as it's bright outside so we get natural light, but she likes it in the winter when it's pitch black so can wake up and feel more ready for the...
by e5116
Sun Apr 08, 2018 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: TLH: Is Wealthfront worth it/a good idea?
Replies: 6
Views: 929

Re: TLH: Is Wealthfront worth it/a good idea?

The "Wealthfront mess" is due to some individuals electing to sign up for their optional "direct indexing" option. Don't do that if you don't want tons of individual stock holdings. By default, that is NOT the method used.
by e5116
Wed Mar 28, 2018 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: How to use a 4.1% guaranteed fund?
Replies: 22
Views: 2619

Re: How to use a 4.1% guaranteed fund?

There are funds available in certain public systems (for example, the New York teacher's retirement account) that legitimately GUARANTEE a specific return (called "fixed return funds"). It's not the same as a stable value fund. The taxpayers are the hook for any shortage. Not saying that's the case ...
by e5116
Tue Mar 27, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Knob and Tube rewire cost
Replies: 28
Views: 2976

Re: Knob and Tube rewire cost

You're obviously aware they're not going to repair the holes, but just thought I'd note that the cost of drywall + paint can be considerable. It's hard to just paint the section that was cut out as it won't perfectly match the rest of the room (even if you choose the same paint color since it's prob...
by e5116
Mon Mar 26, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: What Budget? Do you keep one?
Replies: 116
Views: 7833

Re: What Budget? Do you keep one?

Like many above, I do not have a budget but I do track expenses periodically. Try to save a certain amount certainly and calculate cash flow on a monthly basis. Expenses can vary month-to-month based on if took a trip recently, house projects, etc. Also have one child now but about to have a second,...
by e5116
Tue Mar 13, 2018 2:19 pm
Forum: Investing - Theory, News & General
Topic: Home Price Indices Taking Into Account Cost of Leverage?
Replies: 2
Views: 387

Re: Home Price Indices Taking Into Account Cost of Leverage?

I was recently looking at some of the home price index data on FRED (example: this chart tracking condo prices in New York https://fred.stlouisfed.org/series/NYXRCSA ). They also have the various flavors of the Case-Shiller Home Price Index. But most people buy homes with mortgage financing. So, if...
by e5116
Mon Mar 12, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: Morocco Travel
Replies: 10
Views: 975

Re: Morocco Travel

Spent 10 days in Morocco last September/October. Had a great time and very memorable, but not a place I want to go to multiple times personally. Liked Fes more than Marrakech, but worthwhile visiting both as they're quite different. Below was my general itinerary, which I thought was a good pace to ...
by e5116
Thu Mar 08, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 760K home
Replies: 32
Views: 3026

Re: Can we afford a 760K home

Another issue is whether a lender thinks you can afford it. There is a current article on Morningstar.com that discusses how lenders evaluate to determine loan limits. For example, most say 28% of income is a maximum amount for loan repayment and 36% for total debt repayment from monthly income. Ti...
by e5116
Mon Mar 05, 2018 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: New Kid Expenses
Replies: 31
Views: 2394

Re: New Kid Expenses

Caution: newborns go in baby carriers. A newborn is carried around in them. You only need one of them. A second carrier base is installed in the other car. A child car seat is for when the baby is too heavy or too big to go in the carrier. That's when you need two of them. False. This is the number...
by e5116
Wed Feb 28, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Google Pixel 2 Users-Experience So Far?
Replies: 37
Views: 2735

Re: Google Pixel 2 Users-Experience So Far?

I too have the Pixel 2 (non XL) and have had no issues whatsoever. Great phone. I do know the XL had some screen display issues at the beginning that the non-XL did not, but I think it was overblown in that the majority of people wouldn't care all that much. Very fast, responsive, no bloatware, unli...
by e5116
Wed Feb 28, 2018 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Help me talk to Raymond James please [to improve 401k options]
Replies: 11
Views: 641

Re: Help me talk to Raymond James please [to improve 401k options]

0.25% really isn't that bad at all for a 401k plan, particularly if they don't charge other administrations/maintenance fee. My 401k does have access to Vanguard admiral class index funds (which is great), but charges an administration fee by one party, a "directed trustee fee", and then a "register...
by e5116
Mon Feb 26, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: 3 layers of roof. Pull my offer??
Replies: 63
Views: 6110

Re: 3 layers of roof. Pull my offer??

You should have your attorney negotiate on your behalf based on the inspector's report. You can't expect a perfectly new roof (i.e. 100% reduction in price based on the price of a new roof), but should expect some partial concessions. I wouldn't walk away if you like the house and location just beca...
by e5116
Mon Feb 26, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Value of an Elite MBA
Replies: 58
Views: 5908

Re: Value of an Elite MBA

I think if you want to change industries and get off on a great foot, an elite MBA is a good way to do that. Amazing networking, learn new skills, and a "stamp" on your resume that demonstrates ability/intelligence that will allow you to switch industries in an easier manner than somebody in the mid...
by e5116
Mon Feb 26, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Tax reform SALT affecting in Bay Area?
Replies: 67
Views: 9554

Re: Tax reform SALT affecting in Bay Area?

I don't think many buyers think when contemplating a purchase: "Oh, I can only afford this $1.2M house because I can fully deduct the $25k in property taxes." So, while it could conceivably impact the financial figures for individuals, I doubt it impacts the buyer pool and I don't think mortgage com...
by e5116
Sun Feb 25, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: # X Gross = Home price?
Replies: 81
Views: 6075

Re: # X Gross = Home price?

Is there something in CA... For many people it's family or a job that isn't portable. You could argue that it you need to pay 5x your income for a "starter house" , you're getting paid very little, and your job isn't worth keeping. That, or maybe you're just a normal person living in the Bay Area ....