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RonSwanson

If you are thinking far enough into the future, owning a car at all will seem outdated

RonSwanson

Thanks everybody for your input

RonSwanson

000 wrote: ↑Wed Nov 11, 2020 6:24 pm Trying to market time when it's "safe" to exceed FDIC limits seems like a pointlessly dangerous venture.

Yeah that is part of why I am asking in this thread

RonSwanson

How long a period of time are you talking about? Personally, I would go so far as to check the bank's rating at Bauerfinancial.com or at DepositAccounts.com to make sure it isn't actually in trouble. Then I might shrug and take the risk. A few weeks probably. I know I'm being paranoid but had an ac...

RonSwanson

Hello everybody, My wife and I are purchasing some property in a cash transaction. We have the funds in various money market funds and CDs which will have to be sold before wiring to the escrow company. The total would exceed the FDIC limits on our account by a lot. I know it is low risk, but what i...

RonSwanson

Samosa22 wrote: ↑Wed Oct 28, 2020 6:11 pm
Tdubs wrote: ↑Wed Oct 28, 2020 4:23 pmDuplicate
This one would be hilarious to ask.

BWAHA!

RonSwanson

All of this information is so great. Thank you.

RonSwanson

stan1 wrote: ↑Tue Oct 13, 2020 6:32 pm What's the budget for this house? These frugal Bogleheads are going to get up well over $500/square foot to construct it.

On average around $500 sq/ft. Some areas will be on the lower side (unfinished basement sections), some higher (main floor), and some in the middle (bedroom floor).

RonSwanson

Sound control is very important to me, both noise transfer and acoustics of the room. I like how high ceilings look but not how they sound, so investigating a new technology where you buy wood panels that are micro-perforated (2mm holes) and have insulation behind to absorb sound. Not cheap of cours...

RonSwanson

Sandtrap wrote: ↑Tue Oct 13, 2020 4:35 pm A list:
...

j

Epic list, thank you!

RonSwanson

Could you tell us some more about the property? It would help direct our thoughts. The property is well over an acre on a high bank waterfront. Almost 180 degrees of water view, then 90 degrees of trees and field. So part of our design restriction is making good use of the views which is certainly ...

RonSwanson

mkc wrote: ↑Tue Oct 13, 2020 3:08 pm Have had 3 homes built.

Thanks MKC for your advice. Great list!

RonSwanson

Watty wrote: ↑Tue Oct 13, 2020 2:57 pm I have not built one but one big thing you should do is to make sure that the house is reasonably handicap friendly.

Good idea. We also have parents who are aging and we want it accessible to them if they are in a wheel chair as well.

RonSwanson

Once you get the room layouts finalized.....think about in advance - and document the location of every electric outlet, switch, cable drop etc. it will be easier once the framing goes up. Think about how you'll move throughout the house.....where you'll need 3 way type switches etc. Put in extra o...

RonSwanson

1) Mudroom between garage and kitchen. Keeps shoes, jackets and kids stuff out of the house. Add washer/dryer plus sink here. Can't tell you how many times the kids strip dirty cloths here, throw directly in the washer or wash off cloths. Check! This is already in the plans - great idea from my wif...

RonSwanson

Hello! My wife and I are in the escrow process for some beautiful property with great views. The existing structures need to be torn down and we will be building a new house. We have three young children and I hope that they are still young when this process is over :) Building a new house involves ...

RonSwanson

I would never go with a money manager claiming they can beat the market. Money managers are great for people who are not interested/capable or do not have time to manage a simple portfolio themselves.

RonSwanson

stilllurking wrote: ↑Tue Sep 08, 2020 6:07 pm +1 for New York.

Started with Utah in 2010 but transferred to NY a few years after. All funds in NY are 0.13% ER. All low cost Vanguard funds. I think the Nevada is all 0.15% so you're splitting hairs there.

How do you like the NY interface and management?

RonSwanson

Hello, I am a Washington State resident and want to super fund 529 plans for my young children. Trying to decide on which plan to use as I'm not a fan of the Washington plan. I've heard people like: Utah New York Nevada (Vanguard) Should anything else by on my short list or any of the above removed?...

RonSwanson

Do you dislike these companies financially- worried that they will drag down your returns? Or do you disagree with them fundamentally in that you just can't in good conscience hold shares of them?

RonSwanson

This year my wife and I are going to be well into the top tax bracket for ordinary income. We have about 50% of our fixed income in VWIUX and the rest in a combination of VBTLX and CDs. Our state does not have income tax. Next year is going to be different. I plan on leaving my job early in the year...

RonSwanson

I use this floss and will seriously miss it when I soon run out. But probably not going to pay $80/pack for it either!

Did you sell? What is the TLH partner for this floss?

RonSwanson

My first concert, Pink Floyd The Division Bell tour in 1994. Nothing else has ever come close nor will it!

RonSwanson

I'm interested in something along the lines of improving the world of foster care, adoption, etc.

RonSwanson

What about Camas, Washington? It's in southern Washington state (a no income tax state), near the border with Portland, Oregon (a no sales tax state). It's where I live, and we love it here. A lot of people are here for the schools though and our taxes are always getting higher. The OP will get mor...

RonSwanson

What counts as an allowable family member?

RonSwanson

Thanks everybody. The stock would be coming from a Schwab account. Not sure if this makes it worth going with them or not, I assume I can transfer it to any of the funds perhaps with more paperwork... If your taxable investing account is at Schwab I would use Schwab Charitable for simpler and more ...

RonSwanson

Thanks everybody. The stock would be coming from a Schwab account. Not sure if this makes it worth going with them or not, I assume I can transfer it to any of the funds perhaps with more paperwork...

RonSwanson

I am going to donate some equities to charity this year and want to use a DAF. Any recommendations for or against? I've seen Vanguard, Fidelity, and Schwab. The 0.60% fee looks about the same for all of them...

RonSwanson

Would you be sending your kids to public school or trying to get into private? This will be a factor on where you might want to live.

Seattle seems to be going down hill though, I might consider other areas.

RonSwanson

So I was in a similar situation about 6 months ago, only a little older and with a family. We got intros with several big investment firms. All of them were very nice and knowledgeable. I think they would do a great job if you are happy with their structure and price. Morgan Stanley Flat 0.50% AUM f...

RonSwanson

Dear Bogleheads Thank you for the thoughtful responses. The minivan topic has been broached this am with the spouse :) I was frankly surprised to see such strong support for minivans - it seems to me that those who have one are really strong advocates given the utility one derives from it - 3rd row...

RonSwanson

Buy a minivan like the Odyssey. The 2021 Sienna looks great too.

My wife didn't really want one either and now there is no going back. If you have enough people to need three rows, you also have enough people to need more storage space and convenience.

RonSwanson

I think that if you interview for the job, it should be for the intent of taking that new higher paying job and not to use as leverage against your current company. There is plenty of evidence that you could be making more, in particular because they already promised that you would be making more. T...

RonSwanson

Minivan FTW

RonSwanson

The quote on the back said "You'll never know unless you ask." That's for sure! Most of my huge bumps have come from asking along with some helpful leverage. I have been trying to get my underpaid co-workers to do the same but they just laugh like I'm joking. I work with some people who c...

RonSwanson

Make sure that when the baby arrives, you have some very solid time to spend exclusively with it. They are magical and you don't get that time back :) We have used nanny shares for the little ones. More convenient than a daycare, not typically more money, and fewer germs. When they hit pre-school ag...

RonSwanson

Yes I am getting into this as well. I got accepted to go to the Texas Star Party (look it up) with my daughter but it got cancelled due to COVID-19. Hopefully next year.

Make plans to drive to the top of Mauna Kea as well. Then you will be hooked!

RonSwanson

You could lock in a rate with a no-penalty CD.

RonSwanson

LS (random date within a time window) Greater than 0% chance of highest possible return Greater than 0% chance of lowest possible return DCA (infinite number of purchases) 0% chance of highest possible return 0% chance of lowest possible return Many people want to avoid that lowest possible return,...

RonSwanson

I have umbrella insurance currently, but our NW has increased significantly and I'm trying to determine if we need more. The cost goes up quick as the coverage increases. Something along the lines of: $5M - $700/year $10M - $2700/year $15M - $4700/year $20M - $6700/year I'm not sure how I can evalu...

RonSwanson

I have umbrella insurance currently, but our NW has increased significantly and I'm trying to determine if we need more. The cost goes up quick as the coverage increases. Something along the lines of: $5M - $700/year. $140 $10M - $2700/year $270 $15M - $4700/year $313 $20M - $6700/year $335 I was s...

RonSwanson

I have umbrella insurance currently, but our NW has increased significantly and I'm trying to determine if we need more. The cost goes up quick as the coverage increases. Something along the lines of: $5M - $700/year $10M - $2700/year $15M - $4700/year $20M - $6700/year I'm not sure how I can evalua...

RonSwanson

Also I think there is some mental benefit with moving money in gradually in that you get used to large market swings over time. With a $1M portfolio, you might be used to seeing $20K daily swings. Switching to a $10M portfolio overnight it might not feel great at first to go through $200K daily swin...

RonSwanson

With both LS and DCA, you must decide the time to put the money in the market. For LS, do you do it this second or finish your sandwich first and have the order go in after close so that it happens the next day? When the market is moving 2000 points in a day or 1000 points in seemingly minutes, that...

RonSwanson

Thanks for the heads up! I got 1.2% just under the wire.

RonSwanson

The market tanked because I was going to sell some equities to buy my company stock options two days ago and then lost track of time and forgot.

RonSwanson

According to FDIC.gov:
"The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. "

So a single account and a joint account would be insured separately, for example. That is my understanding at least.

RonSwanson

If going fully invested (in whatever AA you choose) makes you weak in the knees right now, why wouldn't you feel the same 6 months from now? Pick an asset allocation you are comfortable with *right now*, and go all in. After 6 months, you may be used to the idea of having this much money and having...

RonSwanson

I'm curious about voice verification for account access. Couldn't a thief record my voice? Do they ask you to say the same thing each time or is it always different?

I'd rather have voice verification + security questions, but that doesn't seem to be an option?

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