Search found 2203 matches

by Random Poster
Sun Sep 06, 2020 3:16 pm
Forum: Personal Consumer Issues
Topic: National Parks in Winter
Replies: 33
Views: 2583

Re: National Parks in Winter

White Sands.

Relatively nearby if you are going to Big Bend, Carlsbad, and Guadalupe Mountains.
by Random Poster
Thu Sep 03, 2020 7:07 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 246
Views: 14673

Re: What is your age and asset allocation ?

43 me, wife is 41.

40% US stocks, 10% International stocks, 50% bonds.

Might be retired now. Will figure that out later.
by Random Poster
Wed Sep 02, 2020 2:01 pm
Forum: Personal Consumer Issues
Topic: Spouse: How to get REAL ID driver's license without social security card and recent job?
Replies: 77
Views: 4744

Re: Spouse: How to get REAL ID driver's license without social security card and recent job?

What is astounding to me is that a Real ID obtained in one state apparently does not transfer to another state, even though, as far as I can tell, you have to show the same documents in every state to get the Real ID in the first place. So for someone who moves to a different state, they have to go ...
by Random Poster
Mon Aug 31, 2020 12:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard seems to have web online sign on problem
Replies: 145
Views: 6253

Re: Is Vanguard usually hard to get ahold of?

Don’t put all your eggs in one basket. Easy to say, might be difficult to do. And, in any event, conflicts with the concept of trying to keep things simple. But, that all said, if one has Vanguard index funds (and no ETFs at all and doesn’t want them), to where should one move those holdings? It ha...
by Random Poster
Thu Aug 27, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: $40k Hardwood Floors Gone Wrong - Help!
Replies: 43
Views: 4827

Re: $40k Hardwood Floors Gone Wrong - Help!

jasonrecite25 wrote: Thu Aug 27, 2020 12:14 am We somewhat like the wrong wood (the 90%) and privately have somewhat settled on not ripping it out (nobody knows this yet but us).
Well, you all plus the entire internet.
by Random Poster
Thu Aug 27, 2020 12:50 pm
Forum: Investing - Theory, News & General
Topic: Fed wants inflation
Replies: 30
Views: 2953

Re: Fed wants inflation

They always wanted inflation. They are just stating that desire in very slightly incrementally more aggressive terms. A whole lot of fuss over nothing. This. Basically all they've said is they want a steady 2%, so if inflation is flat one year, they will put up with 3% annual for the next two years...
by Random Poster
Fri Aug 21, 2020 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Huge escalations in cost of homeowners insurance
Replies: 57
Views: 5732

Re: Huge escalations in cost of homeowners insurance

So if someone has a $400k or $500k house, should they even try to get a high-value insurance company to insure them, or just stick with a mass market carrier?
by Random Poster
Fri Aug 21, 2020 11:11 am
Forum: Personal Consumer Issues
Topic: Tires recommendations?
Replies: 61
Views: 3497

Re: Tires recommendations?

I had Nokian WRG3 tires on my fwd CR-V when I lived in Canada. Lasted about 3.5 years, but I only drove around 30k miles during that time. I thought that they wore down awfully quickly and the handling seemed a bit slimy when the temperature got above 70. No issues in the winter, but I admittedly wa...
by Random Poster
Mon Aug 17, 2020 6:23 pm
Forum: Personal Consumer Issues
Topic: Deed Forms Websites
Replies: 7
Views: 471

Re: Deed Forms Websites

Some states have approved forms in the statute books. Usually in the property code.
by Random Poster
Thu Jul 30, 2020 5:38 pm
Forum: Personal Consumer Issues
Topic: Parent DOB Error on Birth Certificate
Replies: 20
Views: 1846

Re: Parent DOB Error on Birth Certificate

DTalos wrote: Thu Jul 30, 2020 4:40 pm My birth certificate has the wrong date of birth for one parent. How critically important is it to have this changed?
Honest question, but how does this error affect you?

Or even the parent at issue?
by Random Poster
Thu Jul 30, 2020 10:41 am
Forum: Personal Finance (Not Investing)
Topic: CRAZY HOT housing market. Bidders and multiple offers
Replies: 18
Views: 2449

Re: CRAZY HOT housing market. Bidders and multiple offers

There is no way that the current housing market is sustainable. Wages haven’t increased at a level anywhere near what housing prices have and I don’t see how low interest rates can make up the difference. The housing market is irrational and I fully expect for people to get burned. That said, though...
by Random Poster
Mon Jul 27, 2020 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Adding Canadian Citizenship - any downsides?
Replies: 99
Views: 7488

Re: Adding Canadian Citizenship - any downsides?

Look into “deemed disposition” under the Canadian tax laws. It may or may not apply to you, depending on your residence choices.

It did to me, but my (former) employer covered the tax hit, which was substantial.
by Random Poster
Sun Jul 26, 2020 7:30 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5784
Views: 1380419

Re: What Movie Have You Recently Watched?

The Last Full Measure. Saw on Hulu. Description: A 2019 American war drama film written and directed by Todd Robinson and distributed by Roadside Attractions. The story follows the efforts of Pentagon staffer Scott Huffman and many veterans to see the Medal of Honor awarded to William H. Pitsenbarge...
by Random Poster
Sun Jul 26, 2020 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Marriott/Hilton upgrades not available when booking through third-party websites (and credit card comparison)
Replies: 20
Views: 1746

Re: Marriott/Hilton upgrades not available when booking through third-party websites (and credit card comparison)

OP's point was elite/credit card benefits like free breakfast do NOT apply when you book through Expedia, Booking.com, and the like. You have to book through the chain's own channels (e.g., website, app, or their reservation line) or (in some cases) a traditional travel agent, like those that many ...
by Random Poster
Sat Jul 25, 2020 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Marriott/Hilton upgrades not available when booking through third-party websites (and credit card comparison)
Replies: 20
Views: 1746

Re: Marriott/Hilton upgrades not available when booking through third-party websites (and credit card comparison)

Not sure that I understand.

The Hilton card gets you gold status which, in turn, gets you free breakfast, but you are saying that you didn’t get the breakfast?

Any chance you didn’t get the breakfast because of the virus?

And Hilton golds rarely gets upgraded anyway.
by Random Poster
Wed Jul 22, 2020 3:48 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1704
Views: 221605

Re: Post your Financial Milestone Announcements Here

Incredible journey and that must feel great! Honestly, it doesn’t. Or, at least, seeing $4M on paper isn’t at all what I thought that having such an amount would feel like. I’ve written a few times about my financial anxiety issues, so I won’t go into that in this thread, but I will say that, as so...
by Random Poster
Wed Jul 22, 2020 1:20 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade?
Replies: 37
Views: 2952

Re: iPhone upgrade?

OP: Clarify what you mean by "the 5S will be unsupported " by Verizon. Assuming the battery is holding up, the phone should be still be usable even if iOS support has ended. The 5S doesn't support Voice over LTE, so for phone calls it has to use the 3G CGMA network. That network is being phased out...
by Random Poster
Sun Jul 19, 2020 8:20 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 294
Views: 34773

Re: What have you baked recently?

Wife and MIL got 12 bags of apples (5lbs in each bag) for free.

Ended up baking 4 apple pies, 18 apple empanadas, and some applesauce, and still have 1 bag of apples left over.
by Random Poster
Thu Jul 16, 2020 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Tired Lawyer, Need career and life advice
Replies: 106
Views: 13881

Re: Tired Lawyer, Need career and life advice

Big Dog wrote: Thu Jul 16, 2020 9:59 am Lawyers are a dime-a-dozen.
Good lawyers aren’t.

And those who earn $300k+ are generally pretty good lawyers.
by Random Poster
Thu Jul 16, 2020 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Tired Lawyer, Need career and life advice
Replies: 106
Views: 13881

Re: Tired Lawyer, Need career and life advice

Background: DH is early 40s. DW is late 30s. We have a 2 year old child and live a MCOL city. Situation: DH works as a corporate lawyer for a big company. DW Is SAHM with a chronic health condition. 2-year old goes to daycare. DH is tired of being a lawyer—there’s a feeling of burnout, underappreci...
by Random Poster
Wed Jul 15, 2020 7:05 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1704
Views: 221605

Re: Post your Financial Milestone Announcements Here

Also remember the market can take away from those milestones periodically, as we have recently witnessed. Do not become discouraged. There will be lots of zigs and zags in the market and life along the way. No kidding. My milestone: Investments crossed $4 million today. The zig-zag milestone: Inves...
by Random Poster
Wed Jul 15, 2020 6:39 pm
Forum: Personal Consumer Issues
Topic: Advice on a more livable place
Replies: 145
Views: 12275

Re: Advice on a more livable place

I get the desire for relative anonymity, but I wish people who post about these wonderfully inexpensive, great schools, semi rural areas would at least provide a few zip codes or counties as an example or starting point for a search. I mean, flyover country is a pretty big area, and “rural Midwest” ...
by Random Poster
Tue Jul 14, 2020 1:51 pm
Forum: Personal Consumer Issues
Topic: Sudden loss in battery life: iPhone 7
Replies: 30
Views: 1773

Re: Sudden loss in battery life: iPhone 7

This does not help with your current problem, but to lessen the pain as an iPhone 7 owner you can claim $25 from Apple https://www.macworld.com/article/3566141/apple-is-paying-25-to-iphone-6-7-and-se-ownersheres-how-to-get-it.html Perhaps only in the theory. The claim website doesn’t recognize the ...
by Random Poster
Mon Jul 13, 2020 5:44 pm
Forum: Investing - Theory, News & General
Topic: Pantry Drawdowns as a Proxy for Withdrawal Rate Comfort
Replies: 13
Views: 1135

Re: Pantry Drawdowns as a Proxy for Withdrawal Rate Comfort

Google Scholar would be a great resource to find them. Here's the abstract for a very recent one. This study investigates how personality and psychological characteristics shape portfolio withdrawal rates (PWR) within a sample of 3,678 U.S. individuals age 50 and over from the Health and Retirement...
by Random Poster
Mon Jul 13, 2020 2:16 pm
Forum: Investing - Theory, News & General
Topic: Do You Do Your Taxes by Hand? Reporter doing story
Replies: 119
Views: 8611

Re: Do You Do Your Taxes by Hand? Reporter doing story

Stinky wrote: Mon Jul 13, 2020 1:46 pm
I wonder how many of those folks are Bogleheads?
Oh, I’m sure that at least one of them is.
by Random Poster
Mon Jul 13, 2020 1:03 pm
Forum: Investing - Theory, News & General
Topic: Pantry Drawdowns as a Proxy for Withdrawal Rate Comfort
Replies: 13
Views: 1135

Re: Pantry Drawdowns as a Proxy for Withdrawal Rate Comfort

Do you think that one’s withdrawal rate is largely a reflection of their general behavioral tendencies in other aspects of their life? Probably. [Snip] Might one’s withdrawal rate have little connection to any objective reality or study, but instead be based primarily on one’s personality, or histo...
by Random Poster
Sun Jul 12, 2020 1:44 pm
Forum: Investing - Theory, News & General
Topic: Pantry Drawdowns as a Proxy for Withdrawal Rate Comfort
Replies: 13
Views: 1135

Pantry Drawdowns as a Proxy for Withdrawal Rate Comfort

Over the past few months, and in the course of dealing with virus-related lockdowns and various shortages (actual or anticipated), I’ve noticed that I tend to treat my pantry and refrigerator a bit like an investment portfolio in that: 1) I love seeing a fully stocked pantry, overflowing with canned...
by Random Poster
Sun Jul 12, 2020 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Non-vested RSUs in Divorce?
Replies: 25
Views: 1620

Re: Non-vested RSUs in Divorce?

I'm not an attorney but from an asset perspective they should be treated like they don't exist. If you get fired tomorrow you get nothing. The place where they will be relevant is in your future earning for calculating income based payments like alimony and child support. Not sure exactly how they ...
by Random Poster
Fri Jul 10, 2020 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Family Member Approached by Solar Company to Lease Land for Solar Panels
Replies: 18
Views: 1741

Re: Family Member Approached by Solar Company to Lease Land for Solar Panels

In addition to what has already been said, you want a royalty on the electricity generated (not necessarily sold, but you could have a clause where you get a royalty on each, where the royalty on sold electricity is gross and without any deducts), you want a minimum royalty until project completion ...
by Random Poster
Thu Jul 09, 2020 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Sanity Check 3 points about Lay Off
Replies: 19
Views: 1704

Re: Sanity Check 3 points about Lay Off

I’d max out the 401k, drop the insurance (I wouldn’t even keep the disability, depending on your current financial/net worth status), and not make any taxable investments. Liquidity is paramount and cash gives you immediate options. But admittedly I am very conservative about such things.
by Random Poster
Thu Jul 09, 2020 5:53 am
Forum: Personal Finance (Not Investing)
Topic: Form 1116 for Vanguard Foreign Tax Credit: Please confirm which calculation is correct
Replies: 7
Views: 496

Re: Form 1116 for Vanguard Foreign Tax Credit: Please confirm which calculation is correct

Hard for me to tell (I don’t do well with “xxx” abstractions), but you should be able to back into the "Foreign Source Qualified Dividend Adjustment” amount. Look at the fine print of your Foreign Tax Paid statement from Vanguard, confirm that you are required to adjust your dividends, and then run ...
by Random Poster
Tue Jul 07, 2020 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Taxes on Unemployment?
Replies: 22
Views: 1429

Re: Estimated Taxes on Unemployment?

My uncle was laid off from a manufacturing job due to Covid in April. He got paid salary through March, got a one month severance package, and signed up for unemployment. The state doesn't consider benefits to be taxable, but the feds do. There is an option to withhold federal tax, but it's only se...
by Random Poster
Tue Jul 07, 2020 11:21 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5784
Views: 1380419

Re: What Movie Have You Recently Watched?

Charlie Wilson’s War. Description: In the 1980s U.S.Rep. Charlie Wilson (Tom Hanks), Texas socialite Joanne Herring (Julia Roberts) and CIA agent Gust Avrakotos (Philip Seymour Hoffman) form an unlikely alliance to boost funding for Afghan freedom fighters in their war against invading Soviets. The ...
by Random Poster
Mon Jul 06, 2020 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: How are business owners dealing with coin shortages?
Replies: 14
Views: 1594

Re: How are business owners dealing with coin shortages?

If I were a bank I sure would offer a bonus for people bringing in coins, even if it’s just a couple cents on the dollar, or get raffle entries for bringing in coins. Put a notice in with monthly statements. Amarillo National Bank in, well, Amarillo, Texas, is giving a 10% cash back bonus for depos...
by Random Poster
Mon Jul 06, 2020 8:25 pm
Forum: Personal Investments
Topic: 401 K rollover from Fidelity to Vanguard or Schwab? Looking for advice!
Replies: 19
Views: 1045

Re: 401 K rollover from Fidelity to Vanguard or Schwab? Looking for advice!

I rolled a 401k and a Retirement Plan account from Fidelity to Vanguard last month. 2 paper checks, one for each account. Sent in two envelopes to me; mailed in one envelope to Vanguard. Took around 15 days in total, from Fidelity to me to Vanguard. Fidelity charged me (as in, deducted from the roll...
by Random Poster
Mon Jul 06, 2020 5:56 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?
Replies: 153
Views: 7721

Re: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?

Dregob wrote: Mon Jul 06, 2020 4:46 pm If someone asked "Do you want a $1000 wallet with $10 in it or a $10 wallet with $1000 in it" which one would you take?
I have a general rule when it comes to wallets and the like (such as a purse for my wife): the item shouldn’t cost more than the amount of money in it.
by Random Poster
Sun Jul 05, 2020 5:19 pm
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 174
Views: 17333

Re: YoutubeTV subscription now $64.99/month

In other words, big surprise, there's no free lunch and cable really isn't as "over priced" as people thought it is. If you watch sports or cable news, you have to pay. They're expensive. Cable is outrageously overpriced, when your cable company adds $30+ to the base rate for “broadcast tv surcharg...
by Random Poster
Sat Jul 04, 2020 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 549
Views: 46882

Re: College in fall

A friend's son is going to Washington State University in the fall. Freshman will be in single units. She says they are required to sign a contract that families will pay for the full year of housing and meals even if the school shuts down the campus. Has anyone else heard of this happening at othe...
by Random Poster
Fri Jul 03, 2020 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: anonymous LLC
Replies: 9
Views: 1408

Re: anonymous LLC

Wyoming or Nevada might be the best for this, if only for tax reasons. A relatively simple google search for LLC formation attorneys in either of these states brings up many hits. Often the attorney does all the annual filings to maintain the anonymity. I presume you’ve already seen this: https://ww...
by Random Poster
Thu Jul 02, 2020 10:53 pm
Forum: Personal Consumer Issues
Topic: Need home printer suggestions
Replies: 29
Views: 1456

Re: Need home printer suggestions

Bought a Brother HL-L2395DW a few months ago. Black and white, duplex, scans and copies, and works very well with Apple’s AirPrint and connecting to Dropbox and the like. No complaints so far. Set up was very easy, even without a computer.
by Random Poster
Thu Jul 02, 2020 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Question - Reloc to TX
Replies: 105
Views: 7959

Re: Question - Reloc to TX

For starters your anecdotal evidence of 1 is laughably immaterial vs. proper statistical studies. That's not just you. That's me and every other statistically insignificant sample size. That's not supposed to upset you or anyone. That's just simple science. These studies do actual full on calculati...
by Random Poster
Thu Jul 02, 2020 5:41 pm
Forum: Personal Investments
Topic: Should I change asset allocation to feel less anxiety
Replies: 54
Views: 3682

Re: Should I change asset allocation to feel less anxiety

I have stay the course so far this year. I have not sold any stock. Even re-balanced when it exceeded 5% threshold (that was very difficult, had some difficulty sleeping for a few weeks after and then market exploded up again). But I also have not been putting in any new money into the stock market...
by Random Poster
Thu Jul 02, 2020 5:28 pm
Forum: Personal Consumer Issues
Topic: Thought about buying a small motor home, but the market is crazy
Replies: 90
Views: 7205

Re: Thought about buying a small motor home, but the market is crazy

Why not go big and get an Earthroamer?

Several are available on the pre-owned webpage: https://earthroamer.com/pre-roamed/
by Random Poster
Thu Jul 02, 2020 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Question - Reloc to TX
Replies: 105
Views: 7959

Re: Question - Reloc to TX

Texas is a great state but the property taxes are terribly onerous. If you buy you will regret it. Rent! Texas is not a low cost state. I don’t know who created the myth that Texas is or why so many people (in Texas and elsewhere) seem to believe it It commonly shows in the bottom half of cost of l...
by Random Poster
Thu Jul 02, 2020 2:10 pm
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 174
Views: 17333

Re: YoutubeTV subscription now $64.99/month

Google has raised the price of Youtube TV by 30% to $64.99/month. Late last year it was increased by 25% from $39.99 to $49.99. It's a good service, but the constant price increases make it less appealing. What's really objectionable about this is the huge percentage increase right in the middle of...
by Random Poster
Thu Jul 02, 2020 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Question - Reloc to TX
Replies: 105
Views: 7959

Re: Question - Reloc to TX

Texas is a great state but the property taxes are terribly onerous. If you buy you will regret it. Rent! Texas is not a low cost state. I don’t know who created the myth that Texas is or why so many people (in Texas and elsewhere) seem to believe it, but It needs to be dispelled. Property taxes her...
by Random Poster
Wed Jul 01, 2020 3:56 pm
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 174
Views: 17333

Re: YoutubeTV subscription now $64.99/month

Does anyone here use these services for anything other than sports? For the casual viewer or one whose team is usually ranked high enough to get national or regional tv coverage, I guess all you really need is access to ABC, CBS, and Fox. And if you have a house and live in an urban area, maybe all...
by Random Poster
Wed Jul 01, 2020 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Sanity Check: Career Gap Year
Replies: 40
Views: 2496

Re: Sanity Check: Career Gap Year

Did the OP just change usernames?
by Random Poster
Wed Jul 01, 2020 3:15 pm
Forum: Personal Investments
Topic: How do I fund FIRE?
Replies: 18
Views: 2525

Re: How do I fund FIRE?

Hypothetical scenario. My wife and I decide to FIRE at age 40. We plan to draw down our savings for 30 years until SS at age 70. We have $3M as follows: 1. $1M in taxable. $500k in cost basis, the rest as LTCG. 2. $1M in Roth IRA. $500k in contributions, the rest as earnings. 3. $1M in Traditional ...