Search found 516 matches

by yukonjack
Tue Feb 13, 2018 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Tax Loss Harvesting
Replies: 41
Views: 1793

Re: Help with Tax Loss Harvesting

I thought, maybe wrongly, that this might be a wash sale because he bought the second set of shares within 30 days of the planned sale. Or would that be only if OP sold the 1st lot and held the 2nd but he/she is selling both so it's ok? I initially thought this as well but I believe the reason it’s...
by yukonjack
Mon Feb 12, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Where to put money for car/house expenses
Replies: 10
Views: 509

Re: Where to put money for car/house expenses

We put it in the prime money market at Vanguard. I combine the short term money and emergency money and just call it all short term money to keep it simple. +1. Sounds like both the auto and house expenses are well into the future so I wouldn’t worry too much about them now. Just invest most of you...
by yukonjack
Mon Feb 12, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 7092

Re: I’m not renewing my Costco membership.

You make some valid points regarding shopping for more common items, but we save a quite a bit on larger, more infrequent purchases such as Costco Travel, rental cars, insurance, mattresses and tires. And in my area Costco gas is much cheaper than the rest. But I live less than 3 miles from Costco s...
by yukonjack
Mon Feb 12, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Home buying: how to send postcards to neighborhood we want to live in?
Replies: 38
Views: 3735

Re: Home buying: how to send postcards to neighborhood we want to live in?

In my neighborhood one realtor has represented the seller or buyer in more than 50% of the sales over the last 20 years. Before that she operated the builder's sales office so if you factor that in she's sold every house in the neighborhood of about 60 houses. Is there a realtor like that in the ar...
by yukonjack
Sun Feb 11, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford to move to a lower paying career?
Replies: 53
Views: 4511

Re: Can I afford to move to a lower paying career?

Given your net worth I would definitely go with option 2. To me the bigger issue is leaving a retirement friendly, mild climate like Tennessee to at best a retirement neutral, very harsh climate like Minnesota. Would it be possible to teach in Tennessee? Most folks nearing retirement would be leavin...
by yukonjack
Sat Feb 10, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: Good Hotel in DC
Replies: 29
Views: 1888

Re: Good Hotel in DC

A couple years ago I stayed at the Omni Shoreham Hotel which is just south of the zoo. It’s a very nice hotel in a restored 1930s building. It’s very close to the Woodly Park-Zoo metro stop and an easy walk to DuPont Circle for restaurants and bars. The hotel is off the main road and backs up to a w...
by yukonjack
Fri Feb 09, 2018 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 86
Views: 4863

Re: I didn't tax-loss harvest this month, did you?

I haven’t as I have been buying Total Stock Market and Total International recently as it has been falling. I will probably take a break from buying and then look at TLH in 30 days to avoid a wash sale.
by yukonjack
Thu Feb 08, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: How to short TSLA?
Replies: 50
Views: 2639

Re: How to short TSLA?

Reading an original post like this one makes me appreciate Boglehead advice even more and thankful that such schemes aren’t promoted on this website. It doesn’t take much foresight to see this scenario ending badly but of course there is always blind luck that might see this through to a successful ...
by yukonjack
Sun Feb 04, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: What would you do with this car?
Replies: 27
Views: 1355

Re: What would you do with this car?

I would recommend taking your medicine now by selling it. Sounds like if you keep it, the car is going to eat at you mentally. Also I would second the opinion to not go through Carmax. I don’t believe a vehicle over $100k fit the typical Carmax customer profile unless you you are in a VHCOL area.
by yukonjack
Fri Feb 02, 2018 6:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1261971

Re: U.S. stocks in freefall

marked dropped ~ 89% from top to bottom from 29'-32'. We came out ok. Er, not everyone "came out ok"... RM Yeah, I'm not sure I'd classify the Great Depression as "coming out ok" for pretty much anyone in the entire world, except a few. People may have done relatively better or worse, but the Great...
by yukonjack
Fri Feb 02, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: How to think about your house from a financial perspective
Replies: 89
Views: 6659

Re: How to think about your house from a financial perspective

I view a house as serving the same function as an annuity. Your home will provide you with a place to live, at a cost much less than the market value. If you work with numbers, it can be an annuity which provides a value of the imputed rent. However, it's actually better than that; if rents rise, y...
by yukonjack
Fri Feb 02, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: How to think about your house from a financial perspective
Replies: 89
Views: 6659

Re: How to think about your house from a financial perspective

How to think about your house from a financial perspective I consider my paid off house to be my long term care insurance. I live in a medium to low cost of living area so the home value is not outrageous but my home equity would be enough to supplement my normal retirement budget to pay any extra ...
by yukonjack
Wed Jan 31, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: shall I buy Toyota prepaid maintenance service for 2018 Camry
Replies: 37
Views: 3081

Re: shall I buy Toyota prepaid maintenance service for 2018 Camry

One of the reasons you buy Hondas and Toyotas is so you don’t need stuff like this. Cancel it and quick.
by yukonjack
Wed Jan 31, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: My new car buying experience.
Replies: 40
Views: 5356

Re: My new car buying experience.

IMHO when using the Costco program you pay a premium over the price that you could negotiate on your own. I guess the premium is for avoiding the hassle of price negotiation. Although I think the dealer finance person is still going to put the hard sell on you at the end of the process.
by yukonjack
Tue Jan 30, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Denver Metro Real Estate market
Replies: 17
Views: 1305

Re: Denver Metro Real Estate market

It’s not quite as bad as you might think. There is a lot of new construction going on in the north and northwest Denver metro area. I would highly recommend renting for at least 6 months if not a year. The easiest way to view real estate in that area is the further you get from Boulder the cheaper i...
by yukonjack
Tue Jan 30, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: Wireless Earbuds For Running (Updates for 2018?)
Replies: 36
Views: 2121

Re: Wireless Earbuds For Running (Updates for 2018?)

I’ve read some pretty good reviews of wireless earbuds from Runners World. The most recent article is from 11/17.
by yukonjack
Tue Jan 30, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Is this new car the smarter option?
Replies: 24
Views: 1632

Re: Is this new car the smarter option?

My friend purchased a Toyota Yaris *new* in 2008 for $12K and still drives it. 10 years and still going. When it needs to be replaced, he will do the same thing... the Yaris base model now costs $16K but Hundai has a $12K base model he would go for. If your goal with driving is primarily to have a ...
by yukonjack
Mon Jan 29, 2018 10:58 pm
Forum: Personal Consumer Issues
Topic: My new car buying experience.
Replies: 40
Views: 5356

Re: My new car buying experience.

Thanks for posting your experience. I’ll be doing the same thing this weekend. The Google voice idea is one I hadn’t thought of but will certainly give it a try. This will be my first shot at buying a newly updated vehicle (2018 Accord) so I’m not anticipating much room for haggling.
by yukonjack
Sun Jan 28, 2018 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Does anyone not rebalance?
Replies: 66
Views: 4585

Re: Does anyone not rebalance?

trav867 wrote:
Sat Jan 27, 2018 9:56 pm
You could rebalance with new money.
I find this to be the easiest way to rebalance. By using new money I rarely have to sell anything at all.
by yukonjack
Sat Jan 27, 2018 9:43 am
Forum: Investing - Theory, News & General
Topic: What to do with cash now
Replies: 27
Views: 3512

Re: What to do with cash now

But the question is where to put money now with stocks overvalued and bonds risky with rising investment rates ? Unless you have special knowledge, all the other investors know stock valuations, short-term interest rates as influenced by the Fed, and intermediate- and long-term bond yields as well ...
by yukonjack
Fri Jan 26, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: Buying a house now versus waiting (Bay Area)
Replies: 35
Views: 3160

Re: Buying a house now versus waiting (Bay Area)

A few things to keep in mind: 1) Inventory is extremely limited. I believe in December 2017 there was something like 12 days of inventory available. There really are no homes on the market. Because of that, you need to be prepared to buy immediately, with no contingencies. Average time on the marke...
by yukonjack
Sun Jan 21, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: Pros and Cons of High Rise Condos for retired couple
Replies: 47
Views: 5092

Re: Pros and Cons of High Rise Condos for retired couple

Great conversation. I am also looking at this option down the road. Two things come to mind that were relayed to us by friends. One couple ended up moving from their urban one bedroom condo because of the lack of personal space. There were times when they wanted a bit of separation and just couldn’t...
by yukonjack
Wed Jan 17, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: Travel to Rome Italy - Recommendations
Replies: 23
Views: 1613

Re: Travel to Rome Italy - Recommendations

I was there about a year ago and found that virtually all of my questions were answered in the Rick Steves Italy and Rome books. He also has free audio tours that you can download from his website.
by yukonjack
Wed Jan 03, 2018 9:56 am
Forum: Investing - Help with Personal Investments
Topic: After tax investment suggestions...
Replies: 30
Views: 2987

Re: After tax investment suggestions...

Does anybody have any suggestions for good post tax investments after maxing out tax advantages investments? Is TD ameritrade, Vanguard, or Fidelity my best bet for this? Is berkshire hathaway a good buy or s&p500? I am looking for something not too conservative or aggressive. Thanks. If you go to ...
by yukonjack
Fri Dec 29, 2017 9:53 am
Forum: Personal Consumer Issues
Topic: A Year of Extreme Frugality
Replies: 48
Views: 4785

Re: A Year of Extreme Frugality

Maybe the best thing to do is sell that house that requires $100,000 of repairs. Then you a avoid this entire frugality thing, which seems unattainable. As someone said, you need to save 2k a week. Brownbagging your lunches is not going to do that. Other than that you have all kinds of tips posted ...
by yukonjack
Thu Dec 28, 2017 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Should we downsize?
Replies: 42
Views: 3159

Re: Should we downsize?

I think the bigger question isn’t whether you should stay or go but why you would seriously disrupt your life over something as inconsequential as your neighbor making a bit of money on the sale of her house. If you decide to stay hopefully this problem won’t resurface when another neighbor makes a ...
by yukonjack
Wed Dec 27, 2017 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51037

Re: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]

This just out from the IRS an hour ago... https://www.irs.gov/newsroom/irs-advisory-prepaid-real-property-taxes-may-be-deductible-in-2017-if-assessed-and-paid-in-2017 https://www.cnbc.com/2017/12/27/irs-says-2018-property-taxes-are-deductible-if-assessed-and-paid-in-2017.html "The IRS said Wednesda...
by yukonjack
Tue Dec 19, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Florida trip - do rooms on west side get too hot?
Replies: 16
Views: 1008

Re: Florida trip - do rooms on west side get too hot?

Looking for experiences. DW and I will be on Lido Beach (near Sarasota) in February. I thought we'd spring for an ocean (gulf) view room. That's be facing west. So now, DW thinks that the afternoon sun (west side of building) would make the room too hot. Any info will be greatly appreciated. Intere...
by yukonjack
Wed Dec 13, 2017 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-Pay Property Taxes in 2017?
Replies: 24
Views: 3102

Re: Pre-Pay Property Taxes in 2017?

I was considering posting a similar question as the OP. I too have had an income boost this year - from a lump sum severance package. Not quite at the level of the OP but large nonetheless. I curious as to how much this really helps though. I know the answer is to "model it yourself" but to me, it ...
by yukonjack
Wed Dec 06, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Used Car Buying Help
Replies: 20
Views: 1503

Re: Used Car Buying Help

Thanks for the replies. I'll have to look if there are any new 2017 models on the lot, but I haven't seen any. It seems like a new one would be ideal given the high resale for the used models I've seen. But does that always hold true? I'm just about to finish paying off student loans and need a car...
by yukonjack
Tue Dec 05, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 71
Views: 6926

Re: Dad Needs Help Buying Wedding Liquor

That should be one interesting wedding with a 5 hour open bar and then the wedding. Hopefully the bride and groom remember their lines and most certainly no driving afterwards.
by yukonjack
Wed Nov 22, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: Your favorite Costco wines?
Replies: 40
Views: 4286

Re: Your favorite Costco wines?

The Denver area Costcos have a nice California red wine called Rabble for $9.99 that is quite good. I would recommend it as an everyday type wine.
by yukonjack
Tue Nov 21, 2017 5:59 pm
Forum: Personal Consumer Issues
Topic: Your favorite Costco wines?
Replies: 40
Views: 4286

Re: Your favorite Costco wines?

So if you went to a wedding and saw Costco wine (Kirkland) what would think? Would you think we are being cheap and should avoid Costco for this event? Unlikely many bogleheads will attend so take that thinking out of the equation..... :beer I would smile and think that you are smart for buying goo...
by yukonjack
Tue Nov 21, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: Tipping contractors?
Replies: 15
Views: 1315

Re: Tipping contractors?

Not only no, but hellno. Once I have negotiated the price that's it. How does tipping get worked into so many financial transactions? Does my Flagship rep expect a tip? +1. My remodel ended during the holidays so I picked them up some holiday chocolates from Costco. A cash tip never entered my mind.
by yukonjack
Mon Nov 20, 2017 10:33 pm
Forum: Personal Consumer Issues
Topic: Honda CR-V vs Subaru Outback
Replies: 24
Views: 2771

Re: Honda CR-V vs Subaru Outback

If you like the Subarus you might want to look at the Crosstrek. It appears to have received a recent makeover giving it a kind of mini Outback look.
by yukonjack
Mon Nov 20, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 93
Views: 6284

Re: Uber for someone who knows only taxis

I highly recommend both Uber and Lyft. Download both apps and you’ll always have a back. Both far exceed taxis. Using your numbering system I would give taxis a 4 maybe 5 and Uber/Lyft an 8, 9 and sometimes 10. They tend to work more efficiently in large urban areas but you should be fine in the sub...
by yukonjack
Sun Nov 19, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 108
Views: 13621

Re: The valet smashed my Tesla into a brick wall!

Been waiting to see if anyone would say it first, but . . . . . I'm not buying this story. I call BS. Why aren’t you buying it? #1- "Valet smashed new Tesla into brick wall" This is newsworthy, and should show up after a quick google search. However, a search yields nothing because it didn't happen...
by yukonjack
Sun Nov 19, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: Your favorite Costco wines?
Replies: 40
Views: 4286

Re: Your favorite Costco wines?

If you haven’t done so already, check out Costcowineblog.com for suggestions. The site is run out of Florida, I believe. Costco doesn’t always have the profiled wines in our local Concord, CA store. But a fun read even if I can’t find the reviewed wines. Thanks Clay. I buy quite a bit of wine from ...
by yukonjack
Sun Nov 19, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 108
Views: 13621

Re: The valet smashed my Tesla into a brick wall!

Archimedes, I don’t have any information for you, but boatloads of sympathy. That sucks so much! Get your insurance company involved. At one of our restaurants that we go to often, I drop the family off, skip the “free” valet parking, and drive a half block or so to park myself. I have sometimes fe...
by yukonjack
Mon Nov 13, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Clements: Your "Number One Number"
Replies: 24
Views: 3846

Re: Clements: Your "Number One Number"

IMHO the key to it all is eliminating a mortgage. Paying cash for autos is icing on the cake. I realize that this concept doesn’t apply to the vast majority of people but once the mortgage is paid off hitting the 50% is quite doable. It also gives you more flexibility with retirement spending. I fig...
by yukonjack
Sun Nov 12, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: Frontier Flight Fees
Replies: 17
Views: 1412

Re: Frontier Flight Fees

The price and the fees are not the benefit/problem with Frontier. The major problem with Frontier is what when there is a glitch . Their service is non-existant. They don't inter-line. They don't compensate for food, lodging. The gate agents just walk away. Their 800 number is only answered for 2 m...
by yukonjack
Sun Nov 12, 2017 8:28 am
Forum: Investing - Theory, News & General
Topic: Fidelity 10X Retirement Rule - - Valid???
Replies: 46
Views: 3392

Re: Fidelity 10X Retirement Rule - - Valid???

It seems to me the 10X rule gets you in the ballpark so I’m not sure I would call it dumb. It even works for higher income folks that live below their means which defines many bogleheads. And really how close can you get when there are so many unknowns such as health, longevity and even market retur...
by yukonjack
Sun Nov 12, 2017 8:11 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 131
Views: 12071

Re: H&R Block Software

That looks like a good deal. Thanks DarkNyte. Although it looks like H&R dropped the 10% Amazon rebate that they’ve offered over the last several years.
by yukonjack
Fri Nov 10, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 78
Views: 7201

Re: Costco for tires and car insurance?

I have been buying tires from Costco for about 7 years and have had no problems. Their prices are competitive and if you go at off times the wait is usually around 45 minutes which I can easily kill in the store. I’ve never been a fan of the way Discount Tire tries to upsell the customer and the wai...
by yukonjack
Fri Nov 03, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: CR doesn't like some formerly favored SUVs
Replies: 25
Views: 3110

Re: CR doesn't like some formerly favored SUVs

This is the area that I have the greatest problem with CR. The auto rankings are all over the place. I have read numerous reviews of vehicles being at the top only to fall dramatically in one year. The prime example is the Tesla Model S. At one time CR referred to it as something like the best car e...
by yukonjack
Fri Nov 03, 2017 2:52 pm
Forum: Investing - Theory, News & General
Topic: MLB Signal?
Replies: 9
Views: 1197

Re: MLB Signal?

A team that used to be in the National League has won the world series as the American League Champion. I'm not sure what this portends, but maybe something like the old AFL team winning the Super Bowl might be in store. Should I double down or lighten up? The better football analogy is an NFL team...
by yukonjack
Thu Nov 02, 2017 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Combining 401k
Replies: 21
Views: 1306

Re: Combining 401k

I currently have two separate 401k's. One from a previous employer and one from current employer. Is it better financially to combine the two? I'm assuming the growth would be more with them combined? Thanks for any input. This is a common question. There are 3 basic possibilities, they depend most...
by yukonjack
Mon Oct 30, 2017 8:43 pm
Forum: Personal Consumer Issues
Topic: Barcelona Trip
Replies: 23
Views: 1857

Re: Barcelona Trip

If you have any doubts read what a professional like Rick Steves has to say. Spoiler alert he highly recommends going. The plus side is that maybe there won’t be so many tourist that often overrun parts of Barcelona.
by yukonjack
Thu Oct 26, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to a K-1. What do I need to know?
Replies: 15
Views: 1645

Re: Moving to a K-1. What do I need to know?

I have received a K-1 for 5 years now and have yet to find a need for a CPA. Both Turbo Tax and H & R Block handle K-1s just fine. You are pretty much walked through the form. At the end of the process review the results closely for errors and omissions but otherwise if you are comfortable doing you...
by yukonjack
Tue Oct 24, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Running shoes/insoles
Replies: 35
Views: 2442

Re: Running shoes/insoles

Check out Hoka One One brand, and don't add insoles - just use what comes with. Speedgoat 2 (trail) and Clayton 2 (road) have been great for me and for many other runners I know who have been dealing with accumulated mileage wear-and-tear over decades of running. YMMV. :) +1. I would second the Hok...