Search found 5906 matches

by Leesbro63
Mon Nov 11, 2019 10:11 pm
Forum: Personal Investments
Topic: Will we be OK at 3% WR?
Replies: 261
Views: 16653

Re: Will we be OK at 3% WR?

In regards to the post, just above: you can make a case against travel if you live anywhere in the USA, really. Warren Buffett points out that most upper middle class Americans live better than kings of 120 years ago. Central heat and A/C, electricity, running water and sewerage, internet, big scree...
by Leesbro63
Mon Nov 11, 2019 3:34 pm
Forum: Personal Investments
Topic: Will we be OK at 3% WR?
Replies: 261
Views: 16653

Re: Will we be OK at 3% WR?

There’s a thing going on here that someone touched upon, that I think for a large number of Bogleheads is the case: many of us don’t like the idea of a long grind down in nest egg value. The hypothesis is that 4% will SURVIVE a 30 year retirement. But the concern is to not merely survive. Lower wit...
by Leesbro63
Mon Nov 11, 2019 3:05 pm
Forum: Personal Investments
Topic: Will we be OK at 3% WR?
Replies: 261
Views: 16653

Re: Will we be OK at 3% WR?

There’s a thing going on here that someone touched upon, that I think for a large number of Bogleheads is the case: many of us don’t like the idea of a long grind down in nest egg value. The hypothesis is that 4% will SURVIVE a 30 year retirement. But the concern is to not merely survive. Lower with...
by Leesbro63
Mon Nov 11, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: You Tube Question
Replies: 6
Views: 1118

Re: You Tube Question

rolandtorres wrote:
Sat Nov 09, 2019 11:04 pm
This is from 2017, but you can try to play Youtube through Dolphin browser

https://www.theverge.com/2017/10/19/165 ... ndroid-ios
This works! Thank you so much 👍🏻
by Leesbro63
Sat Nov 09, 2019 12:55 pm
Forum: Personal Consumer Issues
Topic: You Tube Question
Replies: 6
Views: 1118

You Tube Question

I’d like to know if there is a way to “minimize” YouTube on my IPhone so that I can listen to it while doing other phone tasks. ?
by Leesbro63
Fri Nov 08, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: Apple iPhone iOS 13 Discussion
Replies: 77
Views: 8586

Re: Apple iPhone iOS 13 Discussion

How can I add a 4th person to an existing group text where there are already 3 in the group? Click on the top of the conversations (where the pictures or initials of people in group are), then click "info". Below the 3 contacts already in the group will be a "add contact" option. Select that. Choos...
by Leesbro63
Fri Nov 08, 2019 12:02 pm
Forum: Personal Consumer Issues
Topic: Apple iPhone iOS 13 Discussion
Replies: 77
Views: 8586

Re: Apple iPhone iOS 13 Discussion

How can I add a 4th person to an existing group text where there are already 3 in the group? Click on the top of the conversations (where the pictures or initials of people in group are), then click "info". Below the 3 contacts already in the group will be a "add contact" option. Select that. Choos...
by Leesbro63
Fri Nov 08, 2019 9:41 am
Forum: Personal Consumer Issues
Topic: Apple iPhone iOS 13 Discussion
Replies: 77
Views: 8586

Re: Apple iPhone iOS 13 Discussion

How can I add a 4th person to an existing group text where there are already 3 in the group?
by Leesbro63
Fri Nov 08, 2019 6:03 am
Forum: Personal Consumer Issues
Topic: Electric shavers - foil vs rotary
Replies: 24
Views: 1898

Re: Electric shavers - foil vs rotary

I read somewhere that electric shavers might pose a health risk due to electromagnetic force waves. I’m not sure that this applies to only old-school “plug in” electric shavers with a cord, or if this includes today’s battery powered shavers. Is this just internet hype, or is there any truly recogni...
by Leesbro63
Wed Nov 06, 2019 8:18 pm
Forum: Personal Investments
Topic: Will we be OK at 3% WR?
Replies: 261
Views: 16653

Re: Will we be OK at 3% WR?

Really? Even 3% is debatable now? What's next, 2.5% is too aggressive? I agree with this. If 3% isn't safe enough, then most people can really forget about retirement planning. I mean, how many people can and will save 33x what they spend, let alone even more (for a <3% SWR)? The whole idea about u...
by Leesbro63
Tue Nov 05, 2019 5:43 pm
Forum: Personal Consumer Issues
Topic: Stinky Front Loader (Washer)
Replies: 39
Views: 2285

Re: Stinky Front Loader (Washer)

Elsebet wrote:
Tue Nov 05, 2019 1:28 pm
I just add a few tablespoons of white vinegar to every load and let the washer dry with the door open.
Doesn't this cause your clothes to smell like vinegar?
by Leesbro63
Tue Nov 05, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: Stinky Front Loader (Washer)
Replies: 39
Views: 2285

Re: Stinky Front Loader (Washer)

1. Are you cleaning out the drain plug and filter at the lower bottom left of the machine? 2. After #1, perform the following three empty washes on tub clean mode or at the highest temperature setting, with the following solutions in the detergent dispenser: a. CLR solution b. Bleach c. Mildew spra...
by Leesbro63
Tue Nov 05, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: Stinky Front Loader (Washer)
Replies: 39
Views: 2285

Re: Stinky Front Loader (Washer)

02nz wrote:
Tue Nov 05, 2019 10:23 am
Does yours have a tub clean cycle? I run it with bleach (on my LG front-loader) and that seems to be effective.
Mine is also an LG. How often do you do this?
by Leesbro63
Tue Nov 05, 2019 9:29 am
Forum: Personal Consumer Issues
Topic: Stinky Front Loader (Washer)
Replies: 39
Views: 2285

Re: Stinky Front Loader (Washer)

https://www.concrobium.com/how-to-fight-mold/where-is-your-mold/laundry-room/ Front End Loading Washer Front-end loading washing machines sometimes develop mold on the rubber gaskets between the drum and the door, resulting in a damp, earthy smell. Try spraying Concrobium Mold Control onto the surf...
by Leesbro63
Tue Nov 05, 2019 7:06 am
Forum: Personal Consumer Issues
Topic: Stinky Front Loader (Washer)
Replies: 39
Views: 2285

Stinky Front Loader (Washer)

My 2015 vintage front loader stinks. NOTHING seems to really get rid of the smell. Clorox, baking soda, vinegar, Affresh....all work for a few days to a week...10 days at most. I saw an ad for a product called “Brogrow”. Maybe some one here has tried it? I am sure to clean the filter and drain thing...
by Leesbro63
Sun Oct 27, 2019 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: "Full Health Insurance" Coverage via Medicare
Replies: 22
Views: 1815

Re: "Full Health Insurance" Coverage via Medicare

My observation is that for top bracket taxpayers (high IRMAA), the cost of Medicare plus a good Plan F supplement plus a Part D plan total almost $1000 per month per recipient.
by Leesbro63
Sat Oct 26, 2019 2:28 pm
Forum: Personal Investments
Topic: Benefits of Flagship Status at Vanguard?
Replies: 65
Views: 7467

Re: Benefits of Flagship Status at Vanguard?

Can you tell me more about PRIMECAP funds? I haven’t tuned into this before.
by Leesbro63
Sat Oct 26, 2019 11:36 am
Forum: Personal Investments
Topic: Do You Pay For Financial Advice?
Replies: 76
Views: 4305

Re: Do You Pay For It?

You more said (I'm paraphrasing) that the benefits of paying for advice don't rise to the level of the cost. You hit the nail on the head of one of the reasons this place is so popular. But you're confusing financial advice with money management. Two related but different things. My guess is that a ...
by Leesbro63
Thu Oct 17, 2019 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Disability Benefits For S Corp Employee
Replies: 6
Views: 315

Re: Disability Benefits For S Corp Employee

Leesbro63 wrote:
Thu Oct 17, 2019 10:02 am
Leesbro63 wrote:
Thu Oct 17, 2019 10:01 am
Here’s more that the insurance guy sent. Again, I’m not sure I understand it:

https://www.cpajournal.com/2019/01/04/t ... ght-thing/
And another:

https://www.epgdlaw.com/qualified-sick-pay/
by Leesbro63
Thu Oct 17, 2019 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Disability Benefits For S Corp Employee
Replies: 6
Views: 315

Re: Disability Benefits For S Corp Employee

Leesbro63 wrote:
Thu Oct 17, 2019 10:01 am
Here’s more that the insurance guy sent. Again, I’m not sure I understand it:

https://www.cpajournal.com/2019/01/04/t ... ght-thing/

https://www.epgdlaw.com/qualified-sick-pay/
by Leesbro63
Thu Oct 17, 2019 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Disability Benefits For S Corp Employee
Replies: 6
Views: 315

Re: Disability Benefits For S Corp Employee

Here’s more that the insurance guy sent. Again, I’m not sure I understand it:

https://www.cpajournal.com/2019/01/04/t ... ght-thing/
by Leesbro63
Wed Oct 16, 2019 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Benefits For S Corp Employee
Replies: 6
Views: 315

Disability Benefits For S Corp Employee

A friend of mine is the sole employee of his “S” corporation. For years, he’s paid, from his personal account (after tax money), for his annual disability insurance premium. His insurance agent recently pointed him to this ruling: https://www.irs.gov/irb/2004-26_IRB The agent is claiming that by set...
by Leesbro63
Tue Oct 15, 2019 8:55 am
Forum: Personal Investments
Topic: Chase $750 for depositing 75K
Replies: 88
Views: 13705

Re: Chase $750 for depositing 75K

arf30 wrote:
Mon Oct 14, 2019 2:44 pm
Leesbro63 wrote:
Mon Oct 14, 2019 2:36 pm
Could it be because my credit is locked?
Yup, sounds like your credit lock is working.
So banks need to check credit to open accounts? I thought it was ME giving THEM money? Where's the credit risk?
by Leesbro63
Mon Oct 14, 2019 2:36 pm
Forum: Personal Investments
Topic: Chase $750 for depositing 75K
Replies: 88
Views: 13705

Re: Chase $750 for depositing 75K

it said that they could not open an account for me online and that I'd get more info in the mail. Anyone encounter this? It means your application was rejected. By law they have to provide the reason(s) which is what you'll get in the mail. https://www.thebalance.com/denied-credit-card-application-...
by Leesbro63
Mon Oct 14, 2019 10:55 am
Forum: Personal Investments
Topic: Chase $750 for depositing 75K
Replies: 88
Views: 13705

Re: Chase $750 for depositing 75K

OK, so I tried to open the account online. I have a Chase credit card, so it did find my info when it asked if I was a Chase existing customer. I gave them the requested driver's license number, but then it said that they could not open an account for me online and that I'd get more info in the mail...
by Leesbro63
Mon Oct 14, 2019 10:32 am
Forum: Investing - Theory, News & General
Topic: REIT to Invest in Short Term Rental Market
Replies: 2
Views: 378

REIT to Invest in Short Term Rental Market

Is there a REIT that owns properties that are rented out "short term"? Like Airbnb. And what about REITS for storage locker properties.
by Leesbro63
Sat Oct 12, 2019 4:41 pm
Forum: Personal Investments
Topic: Chase $750 for depositing 75K
Replies: 88
Views: 13705

Re: Chase $750 for depositing 75K

It appears that the Pittsburgh branches won't open before the $1000 bonus offer expires. Will they do the bonus with an online account? I don't understand. The coupon is redeemable until 11/19/2019. Try hitting the link in my previous post. Edit: Just noticed no Chase branches in Pittsburgh. Try th...
by Leesbro63
Sat Oct 12, 2019 4:11 pm
Forum: Personal Investments
Topic: Chase $750 for depositing 75K
Replies: 88
Views: 13705

Re: Chase $750 for depositing 75K

It appears that the Pittsburgh branches won't open before the $1000 bonus offer expires. Will they do the bonus with an online account?
by Leesbro63
Sat Oct 12, 2019 1:37 pm
Forum: Personal Investments
Topic: Chase $750 for depositing 75K
Replies: 88
Views: 13705

Re: Chase $750 for depositing 75K

$1000 for depositing $75,000 for 90 days? Seems like a no brainer to me. Actually sounds too good to be true. Is it? Am I missing something? Chase is coming into my area now (Pittsburgh) and this seems just too easy.
by Leesbro63
Tue Sep 24, 2019 10:19 am
Forum: Investing - Theory, News & General
Topic: Article: Value has been on a losing streak for over 30 years now
Replies: 32
Views: 2360

Re: Article: Value has been on a losing streak for over 30 years now

Maybe with the tech revolution of the past 30 years, it really was/is different this time.
by Leesbro63
Mon Sep 23, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: Apple iPhone iOS 13 Discussion
Replies: 77
Views: 8586

Apple iPhone iOS 13 Discussion

OK, I upgraded to ios13. I can see some new tweaks, but so far nothing "gee whiz". I'm wondering if I'm missing any obvious big improvements?
by Leesbro63
Mon Sep 23, 2019 7:19 am
Forum: Investing - Theory, News & General
Topic: Jeremy Siegel Wisdom Tree ETFs
Replies: 20
Views: 2036

Jeremy Siegel Wisdom Tree ETFs

This morning I saw a long running ad with Wharton professor,”senior advisor” to Wisdom Tree “Modern Alpha” ETFs. It reminded me that there was a lot of discussion about Siegel “going commercial” when he first signed on with Wisdom Tree. So my actionable question is this: how have these “better than ...
by Leesbro63
Wed Sep 18, 2019 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Tax avoidance and estate planning ‘for the rich’?
Replies: 61
Views: 6477

Re: Tax avoidance and estate planning ‘for the rich’?

ras4250 wrote:
Wed Sep 18, 2019 8:39 am
FIREchief wrote:
Tue Sep 17, 2019 10:36 pm
Isn't this like telling somebody who asks you "what time is it?" how to go about building big ben? :P
No, because Big Ben is a bell :P
No, in Pittsburgh he is a (now injured :( quarterback)
by Leesbro63
Wed Sep 18, 2019 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Primer on Paying Taxes With a Credit Card
Replies: 80
Views: 11244

Re: Primer on Paying Taxes With a Credit Card

I just used Pay1040.com for the first time with my BofA 2.62% card. My concern is that big tax payments get posted to and by the IRS correctly. If I find out next summer that the IRS didn’t get a 2019 estimated tax payment that I assumed it did (after filing on Apr 15), wont it be too late to ask t...
by Leesbro63
Tue Sep 17, 2019 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Primer on Paying Taxes With a Credit Card
Replies: 80
Views: 11244

Re: Primer on Paying Taxes With a Credit Card

A1) Not so long as you still meet a safe harbor. Estimated payments are not treated the same as withholding, which is why it may be easier to do equal payments. I think this year I'll start small with the $1,500 in Paypal payments and see what happens. I don't expect the I Bonds to be all that grea...
by Leesbro63
Tue Sep 17, 2019 4:17 pm
Forum: Investing - Theory, News & General
Topic: The best portfolios when the going gets rough
Replies: 72
Views: 6567

Re: The best portfolios when the going gets rough

I sort of like 50/50 myself. Sort of splitting the risk difference. (Although a 1973-4 scenario, where BOTH stocks AND bonds go down, can happen from time to time. It ain't pretty)
by Leesbro63
Tue Sep 17, 2019 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Primer on Paying Taxes With a Credit Card
Replies: 80
Views: 11244

Re: Primer on Paying Taxes With a Credit Card

I just used Pay1040.com for the first time with my BofA 2.62% card. My concern is that big tax payments get posted to and by the IRS correctly. If I find out next summer that the IRS didn’t get a 2019 estimated tax payment that I assumed it did (after filing on Apr 15), wont it be too late to ask t...
by Leesbro63
Tue Sep 17, 2019 5:57 am
Forum: Personal Finance (Not Investing)
Topic: Tax avoidance and estate planning ‘for the rich’?
Replies: 61
Views: 6477

Re: Tax avoidance and estate planning ‘for the rich’?

The super wealthy can create different corporate structures that allow them certain advantages based on those corporate structures. These structures allow them to account for expenses and place assets strategically. One example that I am confronted with now is IRMMA. Although not technically a tax ...
by Leesbro63
Tue Sep 17, 2019 5:42 am
Forum: Personal Finance (Not Investing)
Topic: Primer on Paying Taxes With a Credit Card
Replies: 80
Views: 11244

Re: Primer on Paying Taxes With a Credit Card

I just used Pay1040.com for the first time with my BofA 2.62% card. My concern is that big tax payments get posted to and by the IRS correctly. If I find out next summer that the IRS didn’t get a 2019 estimated tax payment that I assumed it did (after filing on Apr 15), wont it be too late to ask th...
by Leesbro63
Sat Sep 14, 2019 8:42 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1964
Views: 324539

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Also, he felt there were too many incidents of bonus chasing in the past. This certainly makes sense, but I don't know why they would not just deal with it by not allowing repeats. Seems like brokerages could just not allow a bonus when someone moves money out and then wants to come back and get an...
by Leesbro63
Wed Sep 11, 2019 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: When do you start gifting the max to your family members? When is enough NW totally enough?
Replies: 80
Views: 9654

Re: When do you start gifting the max to your family members? When is enough NW totally enough?

Actually, the numbers for most (with a 6+ year life expectancy) are really $6M and $12M (single/married). Because that’s what it will be in 2026 under current law.
by Leesbro63
Wed Sep 11, 2019 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: When do you start gifting the max to your family members? When is enough NW totally enough?
Replies: 80
Views: 9654

Re: When do you start gifting the max to your family members? When is enough NW totally enough?

The obvious answer is when your family members become registered and contributing Bogleheads. :D I really like this answer. For those who have “it”, yes, it makes sense to trickle the wealth down the family tree. But trickling too much too soon can reduce incentive for adult children to maximize th...
by Leesbro63
Sat Sep 07, 2019 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax: can’t log in
Replies: 59
Views: 4982

Re: Equifax: can’t log in

I didn’t realize I had to sign up for a credit monitoring service to get the $125.
by Leesbro63
Sat Sep 07, 2019 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax: can’t log in
Replies: 59
Views: 4982

Re: Equifax: can’t log in

Got an email today that seemed to indicate that they were changing the deal. It’s not clear if this was a phishing scam or the real thing. Looks real but I did not click the link. It appears they are trying to weasel out of the $125 that was promised earlier this summer when I signed up. Anyone else...
by Leesbro63
Mon Sep 02, 2019 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Life Expectancy For Those Born in 1960
Replies: 26
Views: 2319

Re: Life Expectancy For Those Born in 1960

~ Here's an interesting website: How Many People Are Left From the Year You Were Born https://247wallst.com/special-report/2018/06/08/how-many-people-are-left-from-the-year-you-were-born-3/2/ https://247wallst.com/special-report/2018/06/08/how-many-people-are-left-from-the-year-you-were-born-3/ ~ T...
by Leesbro63
Mon Sep 02, 2019 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Any Reason To Not Payoff Student Loan?
Replies: 21
Views: 1659

Any Reason To Not Payoff Student Loan?

Should a high earning professional do the hustle to pay off a 6% student loan as quickly as possible? My real question is in regards to government forgiveness programs. Would paying off a student loan give up some forgiveness benefit? Or would a high earning doctor, lawyer or other, expecting to be ...
by Leesbro63
Mon Sep 02, 2019 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Life Expectancy For Those Born in 1960
Replies: 26
Views: 2319

Life Expectancy For Those Born in 1960

My high school class of 1978 has 27 known deceased classmates. There were about 680 total. So that's about 4%. Probably there are a few who are gone that we don't know about. I'm wondering if anyone knows how that stacks up to known statistics and/or where I can get this info. It would be interestin...
by Leesbro63
Sun Sep 01, 2019 8:38 am
Forum: Investing - Theory, News & General
Topic: Allan Roth article on munis and question
Replies: 38
Views: 2700

Re: Allan Roth article on munis and question

Implicitly for people in the highest tax bracket, this article seems to make the argument for a ladder of individual municipal bonds. The investor can control quality, term, and tailor the bond portfolio to his individual state tax situation. The investor can avoid bonds from states with poor credi...
by Leesbro63
Wed Aug 21, 2019 9:21 am
Forum: Personal Finance (Not Investing)
Topic: 529 beneficiary change
Replies: 41
Views: 1794

Re: 529 beneficiary change

Ok Spirit Rider, I read what you posted. But this doesn’t make sense: There is a gift tax (or use of credit) for the original gift to the child. Later when the child becomes an adult, there’s another gift tax due (or use of credit) on the same money that the original beneficiary got no value from. ...
by Leesbro63
Tue Aug 20, 2019 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: 529 beneficiary change
Replies: 41
Views: 1794

Re: 529 beneficiary change

Ok Spirit Rider, I read what you posted. But this doesn’t make sense: There is a gift tax (or use of credit) for the original gift to the child. Later when the child becomes an adult, there’s another gift tax due (or use of credit) on the same money that the original beneficiary got no value from. ...