Search found 385 matches

by phositadc
Fri May 12, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: 529 plan for a new baby -- large lump sum at birth?
Replies: 8
Views: 1504

529 plan for a new baby -- large lump sum at birth?

Edit: And of course, after I posted this, I decided to do a google search and found https://www.bogleheads.org/forum/viewtopic.php?t=158250. So I guess I have all the info I need. If anybody wants to have a new discussion about it please feel free to respond here :) I have a baby on the way (my firs...
by phositadc
Fri May 12, 2017 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Help me reduce my capital gain from a condo I just sold...
Replies: 29
Views: 3051

Re: Help me reduce my capital gain from a condo I just sold...

I'm not sure of the timeframe, but any improvement you made the first 6 months(???) or last 6 months(???) can be added to your basis . It looks like you did that for fixing it up to sell. But did you fix/"upgrade" anything before your sons moved in? Why do you think the title and fees should be con...
by phositadc
Sun Nov 20, 2016 3:38 pm
Forum: Personal Consumer Issues
Topic: Microwave alternatives?
Replies: 5
Views: 1130

Microwave alternatives?

Are there any legitimate microwave alternatives out there? I see things like this: http://www.goo.gl/pnpZy0. But I'm not sure exactly what it is other than a fancy toaster oven. Anyways, long story short, I'm in the market for a new microwave. To free up some counter space, I'd like to get something...
by phositadc
Thu Feb 18, 2016 7:21 pm
Forum: Personal Consumer Issues
Topic: Northern VA / DC: Recommended building contractors?
Replies: 4
Views: 853

Re: Northern VA / DC: Recommended building contractors?

Thanks to both of you for the replies!
by phositadc
Sat Feb 13, 2016 9:37 am
Forum: Personal Consumer Issues
Topic: Northern VA / DC: Recommended building contractors?
Replies: 4
Views: 853

Northern VA / DC: Recommended building contractors?

Any NoVA / DC area folks have a particularly good experience with a building contractor that you would like to recommend? I'm thinking about having a detached 2-car garage with a finished upstairs built on my property and am in the initial stages of trying to put together a potential list of contrac...
by phositadc
Thu Jun 04, 2015 7:50 am
Forum: Personal Consumer Issues
Topic: Downside of placing a credit freeze?
Replies: 21
Views: 4114

Re: Downside of placing a credit freeze?

Does anybody know if sites like CreditKarma show "soft" credit inquiries? Or do the only show "hard" credit inquiries? I would assume they only show "hard" inquiries, but I'm curious if anybody knows. I assume the only way to see "soft" inquiries is to get a full credit report for yourself from annu...
by phositadc
Sun Aug 31, 2014 2:02 pm
Forum: Personal Consumer Issues
Topic: Help me evaluate a standby generator quote
Replies: 29
Views: 4910

Re: Help me evaluate a standby generator quote

Thanks again for all the replies. The company who provided the quote is a well-known Generac dealer in my area, located on Generac's website. It has outstanding reviews. From the feedback I'm getting here, it sounds like the quoted prices are in the ballpark. I will go ahead and get another quote or...
by phositadc
Sat Aug 30, 2014 2:05 pm
Forum: Personal Consumer Issues
Topic: Help me evaluate a standby generator quote
Replies: 29
Views: 4910

Re: Help me evaluate a standby generator quote

Thanks to all for the replies. Would love to hear from others, too.
by phositadc
Sat Aug 30, 2014 12:50 pm
Forum: Personal Consumer Issues
Topic: Help me evaluate a standby generator quote
Replies: 29
Views: 4910

Help me evaluate a standby generator quote

I am looking into having a whole-house standby generator installed. Unfortunately, I know nothing about it beyond what I've learned from doing internet research. I had a reputable company come out and give me a quote yesterday, and based on what I've seen on the internet, it's about 25%-30% higher t...
by phositadc
Wed Jul 16, 2014 9:36 am
Forum: Personal Consumer Issues
Topic: $32k Subaru Outback or $14k Mitsubishi Outlander Sport
Replies: 46
Views: 8060

Re: $32k Subaru Outback or $14k Mitsubishi Outlander Sport

The Impreza and Crosstrek do not yet have Eyesight though, do they? I've driven an Outback with Eyesight (though I do not own one myself) and I loved it. Really revolutionizes highway driving, if you do much of it. Can't wait to see it makes its way to some of the other Subarus, like the Impreza and...
by phositadc
Sat Apr 05, 2014 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Travel for work; file tax return in each state I work?
Replies: 14
Views: 2271

Travel for work; file tax return in each state I work?

I work for a company that has a single office in state X. Employees often travel to NY (and other places, but I'll stick with NY for this example) for work; i.e., meetings with clients, etc. Because employees so often travel to NY for work, my company has determined that it has a "nexus" with NY, an...
by phositadc
Sat Mar 29, 2014 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Importing VG Brokerage 1099-Consolidated into Turbotax
Replies: 2
Views: 831

Re: Importing VG Brokerage 1099-Consolidated into Turbotax

Yep, there are Form 8949s created by TT. Thank you for the help!
by phositadc
Sat Mar 22, 2014 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Importing VG Brokerage 1099-Consolidated into Turbotax
Replies: 2
Views: 831

Importing VG Brokerage 1099-Consolidated into Turbotax

Quick question. In the past, I have manually entered items from my Vanguard Brokerage 1099-Consolidated into Turbotax. I would enter each sale of an ETF individually by lot. I never had very many, but it was still rather time consuming. So this year I chose to electronically import my 1099 from Vang...
by phositadc
Thu Feb 06, 2014 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card Promos 2014 *Updated*
Replies: 36
Views: 82134

Re: Best Credit Card Promos 2014

Could you link to the 2% back on the Capital One Venture? All I'm seeing is this http://goo.gl/aqgZhX. And it seems to be a travel thing (2 miles per dollar), not a cash back thing.
by phositadc
Thu Jan 30, 2014 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Cost Analysis: Living in CA vs the South
Replies: 79
Views: 8184

Re: Cost Analysis: Living in CA vs the South

Rent: $2,500/mo = $30,000 annually Heat/Electric: $720 Are these real numbers? Have you found 2 bedroom homes in areas you'd want to live in for just $2500? Are those utility costs researched? They seem very low. $720 per year is just $60 a month. Do you know someone in the area and can see their u...
by phositadc
Thu Jan 16, 2014 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Selling real estate without a realtor
Replies: 8
Views: 1284

Re: Selling real estate without a realtor

Congrats. If you have the time and energy to put the effort in, I think most motivated people can navigate real estate without a broker in most markets (placed like NYC probably much more difficult). I bought my first home ~3 years ago and didn't use a broker. The seller had a broker, so the transac...
by phositadc
Tue Jan 07, 2014 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Surrender Flexible Multifunded Life?
Replies: 1
Views: 300

Re: Surrender Flexible Multifunded Life?

I'm no expert, but you may have already had it long enough that it's worth keeping. By how much does the cash value increase per year? My wife has a whole life policy that her parents purchased for her when she was a child, and we now use the yearly dividend to pay all the fees and to increase the c...
by phositadc
Thu Jan 02, 2014 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Home maintenance costs: Does 1% hold true?
Replies: 32
Views: 4079

Re: Home maintenance costs: Does 1% hold true?

Our house maintenance costs, which included remodeling and a new roof, in this 14 year period totaled $50,442 or $3,603 per year. That annual average comes out to be 10% of my original cost, or 2.6% of my approximate present home value. Does remodeling count as a maintenance cost? It seems to me th...
by phositadc
Wed Jan 01, 2014 1:51 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing the Permanent Portfolio
Replies: 28
Views: 3105

Re: Rebalancing the Permanent Portfolio

The problem is that rebalancing back into gold and long treasuries right now would take nerves of steel. If your total capital is piddly, no big deal. But if you're talking bigger bucks and/or your entire portfolio it's something else. Frankly, I'm thinking that there are only two people in the wor...
by phositadc
Thu Dec 26, 2013 6:11 pm
Forum: Personal Consumer Issues
Topic: Stressless Recliners
Replies: 30
Views: 20222

Re: Stressless Recliners

I have two. Got them because I have a bad back and needed good lumbar support. I like them and would buy them again, but I'd look around to make sure there wasn't anything cheaper that I liked as much. Last time I bought, there wasn't, so no regrets here, but do your homework before you buy.
by phositadc
Tue Dec 17, 2013 1:19 pm
Forum: Investing - Theory, News & General
Topic: Swedroe-type portfolio: downside risk vs tracking error risk
Replies: 40
Views: 9738

Re: Swedroe-type portfolio: downside risk vs tracking error

I strongly considered a portfolio of this type for awhile but ultimately rejected it. Although I love the idea of minimizing the fat downside tail, I know myself well enough to know that I could never maintain the asset allocation in a period like 1984-1999 which large caps are outperforming small c...
by phositadc
Thu Dec 12, 2013 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Young physician with a family, lots of questions...
Replies: 25
Views: 4263

Re: Young physician with a family, lots of questions...

wife is a veterinarian currently staying at home (since our move), but interviewing for jobs right now that will probably pay around $80-90k for full time work. How much she works will determine our child care costs. Sorry this is not a response to your question. But just out of curiosity, is it no...
by phositadc
Wed Dec 04, 2013 4:21 pm
Forum: Personal Consumer Issues
Topic: LTE - does it give better coverage?
Replies: 9
Views: 1257

Re: LTE - does it give better coverage?

At least in Massachusetts, if you are getting a LTE phone, make sure you can get one that can switch back and forth to 3G if needed (e.g., an Iphone). My wife and I both got Samsung Galaxy S4 (on Verizon), which only uses LTE and can't switch back to 3G ; our service is horrible where we live (in B...
by phositadc
Thu Nov 07, 2013 12:31 pm
Forum: Personal Consumer Issues
Topic: New cellphone
Replies: 63
Views: 5270

Re: New cellphone

I also recently got a Nexus 5. I think 5" is a little too big for a phone that sits in my pocket for much of the day, but otherwise, it's a fantastic device. I'd say it compares favorably to the other "flagship" android phones on the market, especially when you consider its price. There do seem to b...
by phositadc
Sat Jul 20, 2013 6:32 pm
Forum: Personal Consumer Issues
Topic: Anybody here own an Endless Pool?
Replies: 13
Views: 19931

Re: Anybody here own an Endless Pool?

Hyperion, did you ever look into the cost of that? It's also something I've pondered but never looked into seriously.
by phositadc
Fri Jul 19, 2013 3:32 pm
Forum: Personal Consumer Issues
Topic: Anybody here own an Endless Pool?
Replies: 13
Views: 19931

Re: Anybody here own an Endless Pool?

Thanks for the feedback. I'd definitely try multiple times before I buy. I don't even have room where I live currently for a pool like that, but hopefully will someday soon. I'm more of a swim for 30 minutes 3x per week person, but I currently live somewhere that doesn't really have convenient lap p...
by phositadc
Fri Jul 19, 2013 12:15 pm
Forum: Personal Consumer Issues
Topic: Anybody here own an Endless Pool?
Replies: 13
Views: 19931

Anybody here own an Endless Pool?

I generally find the opinions of Bogleheads to be useful on just about any topic.

Anybody here have an Endless Pool for swimming "laps"? http://www.endlesspools.com/

Everything I can find on the internet seems to be positive, but I'd value any input if somebody here owns one or has used one!
by phositadc
Tue Feb 19, 2013 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Overcontributed to 401k due to Employer Error. Help?
Replies: 14
Views: 6886

Re: Overcontributed to 401k due to Employer Error. Help?

Thanks to all for the helpful replies. I will read more closely and digest, but it sounds like the 1099-R is generally the proper procedure. In response to the last post, I will note that the Box 7 distribution code is a "2" and not an "8." I have currently input everything exactly as it appears on ...
by phositadc
Tue Feb 19, 2013 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Overcontributed to 401k due to Employer Error. Help?
Replies: 14
Views: 6886

Overcontributed to 401k due to Employer Error. Help?

My wife changed jobs in 2012. Before she started her 2nd job, she maxed out her $17,000 401k contribution at her first employer. She correctly told her second employer to contribute nothing to her 401k from her paycheck. Unfortunately, her employer screwed up and accidentally did take 1% out of her ...
by phositadc
Sat Oct 13, 2012 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a Condo/Townhouse in DC (and lost!)
Replies: 23
Views: 3432

Re: Buying a Condo/Townhouse in DC (and lost!)

If you really only plan to be here 2 years, buying sound like a bad idea. Even if you do break even, there's a lot of hassle involved, and then you have to figure out what to do with it when you move.
by phositadc
Thu Sep 20, 2012 7:30 am
Forum: Investing - Theory, News & General
Topic: What is the Risk-Free Rate?
Replies: 15
Views: 1537

Re: What is the Risk-Free Rate?

To me, the risk free rate is the equivalent rate of return that I get by paying down my mortgage early.
by phositadc
Sat Sep 15, 2012 8:05 pm
Forum: Forum Issues and Administration
Topic: Change username?
Replies: 4
Views: 1110

Re: Change username?

Yes, thanks for the advice. The purpose of changing it is actually to increase anonymity :) I PM'd Alex already and he mentioned he would hopefully get to it tonight. If I haven't heard from him in the next day or so, I will send you a PM.

Thanks again.
by phositadc
Sat Sep 15, 2012 7:08 pm
Forum: Personal Consumer Issues
Topic: Will you get an iPhone 5?
Replies: 108
Views: 7614

Re: Will you get an iPhone 5?

I prefer android. It is good to see that Apple finally added a bigger screen, turn-by-turn navigation, panorama mode for camera, and a few other things that previously held me back from getting one. Unfortunately, I think it's too little too late.
by phositadc
Sat Sep 15, 2012 4:13 pm
Forum: Forum Issues and Administration
Topic: Change username?
Replies: 4
Views: 1110

Change username?

I've messaged several forum administrators, and I'm not sure if they are not getting my messages, or if they are forgetting to respond to them -- but I haven't gotten any responses. I would like to change my username in order to standardize it across the various forums that I visit. Could an admin w...
by phositadc
Thu Jun 21, 2012 2:02 pm
Forum: Investing - Theory, News & General
Topic: Do commodities protect you in bear markets?
Replies: 90
Views: 8487

Re: Do commodities protect you in bear markets?

Is PCRIX still the commodity fund of choice?
by phositadc
Tue Jun 19, 2012 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Vetting muni funds
Replies: 10
Views: 1622

Re: Vetting muni funds

Not directly responsive to your question, but if you are looking for the safest muni bond fund available, you might check out BMBIX. Most of its holdings are pre-refunded, which means that those holdings are essentially just as safe as U.S. treasuries. I imagine you are trying to avoid NY state tax ...
by phositadc
Tue Apr 17, 2012 7:48 am
Forum: Investing - Help with Personal Investments
Topic: Smartest Financial Move You Ever Made
Replies: 139
Views: 18890

Re: Smartest Financial Move You Ever Made

Taking my dad's advice at age 25 (right after graduating from grad school) and reading Bogleheads Guide to Investing. Thanks to my dad (and that book), I have been and plan to be a Boglehead for my entire investing career. Which will hopefully mean that I never have anything to contribute to the "Wo...
by phositadc
Mon Apr 02, 2012 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Property tax payments from escrow
Replies: 13
Views: 1288

Re: Property tax payments from escrow

Does the borrower have any say in when the property taxes are paid out of the escrow account? In other words, if we - as borrowers - wish to pay our property taxes every other year so as to quickly hit the minimums for the itemized deductions those years (and use the standard deductions during the ...
by phositadc
Sat Mar 31, 2012 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: UPDATE - 23 With New Job, 401K and Now Asset Allocation
Replies: 17
Views: 2437

Re: UPDATE - 23 With New Job, 401K and Now Asset Allocation

10% of your AA to high yield corporates seems like a bad idea to me. Your portfolio will exhibit a volatility more similar to 90% equities, 10% stocks. With 80% equities as your goal, I would probably want the 20% bonds to really be safe... something like the entire 20% in intermediate-term treasuri...
by phositadc
Tue Mar 27, 2012 7:46 am
Forum: Investing - Theory, News & General
Topic: all about muni bonds
Replies: 28
Views: 3744

Re: all about muni bonds

Those of you who are interested in muni funds but concerned about the credit quality of VWIUX should check out Baird's Intermediate-Term Muni fund, BMBIX: http://www.rwbaird.com/bolimages/Media/PDF/CI/Asset_Management/Fixed-Income/Bond-municipal-fund-fact-sheet.pdf. Short summary: 68% AAA, 95% AAA o...
by phositadc
Wed Mar 21, 2012 8:08 am
Forum: Personal Consumer Issues
Topic: Should I have a sprinkler system installed?
Replies: 22
Views: 9566

Re: Should I have a sprinkler system installed?

Option 3: xeriscape. Put in plants (preferably native) that can tolerate the local conditions, and save water. We actually have considered this, as a handful of our neighbors have done it. We just don't really like the way it looks. That being said, I guess about half of our front yard, and a decen...
by phositadc
Tue Mar 20, 2012 4:22 pm
Forum: Personal Consumer Issues
Topic: Should I have a sprinkler system installed?
Replies: 22
Views: 9566

Re: Should I have a sprinkler system installed?

Thanks to all for the feedback.
by phositadc
Tue Mar 20, 2012 8:06 am
Forum: Personal Consumer Issues
Topic: Should I have a sprinkler system installed?
Replies: 22
Views: 9566

Should I have a sprinkler system installed?

I'm a relatively new homeowner. We moved in last August, and I quickly learned that I'm not much of a yard-work man. I also learned that in July/August, if you don't water your lawn every single day, your grass dies and you get ugly bald patches everywhere (not to mention the dead flowers and bushes...
by phositadc
Sat Mar 17, 2012 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Long-term Tax Exempt vs. Intermediate-Term TE?
Replies: 11
Views: 2003

Re: Vanguard Long-term Tax Exempt vs. Intermediate-Term TE?

Yeah, I guess I don't really mean "lie" in the sense of purposefully misleading. I more meant it in the sense of comically inaccurate.
by phositadc
Sat Mar 17, 2012 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Long-term Tax Exempt vs. Intermediate-Term TE?
Replies: 11
Views: 2003

Vanguard Long-term Tax Exempt vs. Intermediate-Term TE?

I was just poking around, and I noticed that the duration of long-term is 6.1, and the duration of intermediate-term is 5.1. Long-term has an SEC yield of 2.55, over 60 bps higher than intermediate-term's SEC yield of 1.92. Credit quality of the holdings is nearly identical. Any thoughts as to why V...
by phositadc
Sat Mar 17, 2012 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Mortgage refinancing question
Replies: 2
Views: 360

Re: Mortgage refinancing question

I'll just weigh in on #2. Refinancing inevitably involves a credit check, and theoretically credit checks can hurt your credit score in a minimal, insignificant way. So although it's possible your score could drop a tiny bit as a result of refinancing, my opinion is that this should not influence yo...
by phositadc
Sun Mar 04, 2012 9:31 am
Forum: Personal Consumer Issues
Topic: Home Surveillance Cameras - Any Tips?
Replies: 34
Views: 5877

Re: Home Surveillance Cameras - Any Tips?

Do you have to pay a monthly fee in order to be able to monitor the camera over the internet? Or is it just the one-time cost of buying the camera, plus the electricity that it sucks down by being left on 24/7?