Search found 204 matches

by Rexindex
Wed Oct 30, 2019 1:09 pm
Forum: Personal Investments
Topic: Capital Gains Question
Replies: 5
Views: 631

Capital Gains Question

I want to pay taxes on the capital gains I am hit with from a mutual fund sale. How do I estimate what to pay? Yes, i want to pay before taxes are due April of 2020. Total income for 2019 will be about $445k I just exchanged about $140k in total market fund into money market. The long term gains sta...
by Rexindex
Wed Sep 18, 2019 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: “Upsizing” are we foolish?
Replies: 80
Views: 10956

Re: “Upsizing” are we foolish?

Well, I would say this:

1) Never underestimate closing costs, moving costs and the “need” to fill all that empty space.

2) townhomes typically don’t appreciate as well as single family homes.

3) that’s an expensive home, but with a lot of equity it isn’t a terrible use of your money.
by Rexindex
Mon Jul 29, 2019 10:43 am
Forum: Investing - Theory, News & General
Topic: POST YOUR QUESTIONS FOR THE EXPERTS PANEL Q&A HERE
Replies: 84
Views: 15642

Re: POST YOUR QUESTIONS FOR THE EXPERTS PANEL Q&A HERE

What would you advise clients under the age of 55 to expect as a percentage of current Social Security benefits to be on the safe side?
by Rexindex
Wed May 29, 2019 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: “Upsizing” are we foolish?
Replies: 80
Views: 10956

Re: “Upsizing” are we foolish?

interesting thread as I have struggled with this, namely how much to pay for what seems like just a bit more.

How do you feel your property will appreciate vs what the property you intend to buy will appreciate???
by Rexindex
Fri Mar 22, 2019 9:52 am
Forum: Personal Consumer Issues
Topic: [Golf club] Driver for 18 handicap young senior.
Replies: 24
Views: 1000

Re: [Golf club] Driver for 18 handicap young senior.

Get a used driver head that you like, froom Golf Galaxy or even ebay.

Then go to a fitter and get fit for the correct shaft. This will do more to help you enjoy the game than anything else. Loft is important on the clubhead but the shaft length, flex and kick point are the most important items.
by Rexindex
Mon Mar 04, 2019 5:58 pm
Forum: Personal Investments
Topic: Life and financial Advice please
Replies: 16
Views: 1833

Re: Life and financial Advice please

I think you are in great shape personally. I do think Jonathan Clements tends to be more positive on the role of annuities than some here may state, but when you are young at 51 and using it for healthcare reasons, it seems employment would be the better way to go.
by Rexindex
Thu Jan 17, 2019 10:18 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 58627

Re: John Bogle has died at age 89

Thank you Mr Bogle! God Bless you for all you have done for so many, including my family.

Rest in peace and prayers for the Bogle family.
by Rexindex
Mon Dec 31, 2018 4:54 am
Forum: Personal Consumer Issues
Topic: How to get the best deal on cruise?
Replies: 14
Views: 1608

Re: How to get the best deal on cruise?

I have checked Costco travel pricing numerous times and have never found them cheaper than the cruise lines websites directly. What am I missing?
by Rexindex
Fri Dec 28, 2018 10:05 pm
Forum: US Chapters
Topic: My favorite Boglehead posters
Replies: 154
Views: 12773

Re: My favorite Boglehead posters

Taylor Larimore
Livesoft
Toons
Sheepdog
by Rexindex
Sat Dec 15, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Strange [job] interview- what do you think?
Replies: 35
Views: 3743

Re: Strange [job] interview- what do you think?

I view the feedback from the interviewer as positive. You always meet all the candidates, that means nothing. Because the OP stated she/he wanted the position does not mean he/she came across as needy. If an interviewer states "We will get back to you" that is not a good sign. If it is specific, the...
by Rexindex
Fri Dec 07, 2018 1:14 pm
Forum: Personal Investments
Topic: Stressed/Job loss/Retirement possible?
Replies: 34
Views: 4409

Re: Stressed/Job loss/Retirement possible?

If you are working for a few more years and assume an income of $100,000 from assets and an additional job income of $75,000 for a few years, doesnt that mean you are living off $175,000 annually? Am I missing something? Thats a lot of money.
by Rexindex
Wed Nov 28, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Leveling basement floor
Replies: 15
Views: 1247

Re: Leveling basement floor

Correction- I am installing a Vinyl flooring product.

Appreciate all the feedback and keep it coming if there are anything other thoughts!
by Rexindex
Tue Nov 27, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: Leveling basement floor
Replies: 15
Views: 1247

Leveling basement floor

In preparation for installing a laminate floor, the installers said the floor has some waves and needs to be leveled a bit. It needs to be leveled to within a half inch or better so the faux wood boards lie flat.the installers don’t do that. I am looking at about a 450 sq foot area and am having a h...
by Rexindex
Mon Nov 05, 2018 3:31 am
Forum: Personal Consumer Issues
Topic: Best strategy basement mold
Replies: 27
Views: 2540

Re: Best strategy basement mold

I second the dehumidifier idea.

As for ozone, I don’t know I feel it kills mold.
by Rexindex
Wed Aug 15, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Men’s Underwear recommendation
Replies: 67
Views: 7707

Re: Men’s Underwear recommendation

Size 44 :(
by Rexindex
Wed Aug 15, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Men’s Underwear recommendation
Replies: 67
Views: 7707

Men’s Underwear recommendation

I’ve used both Landsend boxers and Nordstrom brand boxers. I found the Nordstrom brand to wear fairly well but they are expensive. I’ve always liked Landsend but lately they seem to be getting thinner and thinner and tearing easily, although they are about 60% less than Nordstrom. Does anyone have a...
by Rexindex
Wed Aug 01, 2018 8:35 pm
Forum: Personal Consumer Issues
Topic: Why is new strip of lawn different color?
Replies: 18
Views: 2090

Re: Why is new strip of lawn different color?

If you live in Michigan, apply a good fall fertilizer after de thatching in mid to late September. By mid October all the grass will look the same.
by Rexindex
Fri Jul 27, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: DisneyWorld-Needing specific advice
Replies: 33
Views: 2306

Re: DisneyWorld-Needing specific advice

We are taking one (1 quantity) 9 year old. This post is a good example of how someone should not post when multi tasking at work!!!

Sorry for the lack of clarity and thanks to all who have responded!!
by Rexindex
Fri Jul 27, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: DisneyWorld-Needing specific advice
Replies: 33
Views: 2306

Re: DisneyWorld-Needing specific advice

I know there are numerous Disney threads, but wanted to ask for specific advice on the following as we are planning a 3 day trip, 2 adults, 1-9 year old. We want a moderateley priced on site disney resort - LIMITING WALKING is important to us. More so than the added price of being off site. We want...
by Rexindex
Fri Jul 27, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: DisneyWorld-Needing specific advice
Replies: 33
Views: 2306

Re: DisneyWorld-Needing specific advice

I am a little confused as to what you mean when you say you want to limit your need to gain transportation? You don’t want to drive? Or you don’t want to take the free Disney transportation between all the on site Disney hotels and the parks? For our family, we stayed at the deluxe Beach Club hotel...
by Rexindex
Fri Jul 27, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: DisneyWorld-Needing specific advice
Replies: 33
Views: 2306

DisneyWorld-Needing specific advice

I know there are numerous Disney threads, but wanted to ask for specific advice on the following as we are planning a 3 day trip, 2 adults, 1-9 year old. We want a moderateley priced on site disney resort- LIMITING WALKING is important to us. More so than the added price of being off site. We want t...
by Rexindex
Wed Jul 25, 2018 2:47 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 371
Views: 152081

Re: How to Minimize Your Emergency Care Expenses

WCI: I am curious, it seems the overwhelming number of ER visits could likely be performed at a much cheaper cost per incident at an urgent care. If so, how much of it is because of overhead? I see much, but not all of the same equipment at an urgent care I do at an ER. A friend of mine is an ER doc...
by Rexindex
Mon Jul 23, 2018 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone sell their car to Carmax or webuyanycar.com?
Replies: 34
Views: 11719

Anyone sell their car to Carmax or webuyanycar.com?

I have an old beater I need to sell and dont want to deal with the hassle of showing it to people. I dont need another car, so no trade in. I am looking for feedback as to whether anyone has used these services and if so, were they relatively pain free ? Was the price they gave you what was expected?
by Rexindex
Mon Jul 23, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Dealing with HOA Notice
Replies: 118
Views: 10591

Re: Dealing with HOA Notice

Read the declarations and covenants of the HOA and abide by them. They may or may not pursue you but what was there when the house was sold has nothing to do with whether it abides by the declarations.
by Rexindex
Tue Jul 17, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 3695

Re: Would you pay $120 for a 5 year dishwasher warranty?

As a general rule I never buy extended warranties with two exceptions:

1) Anything that vibrates (i.e. washing machine)
2) Anything mechanical but cars left out in the elements ( I just had an HVAC compressor go at 6 years, the 10 year warranty saved me $6500)
by Rexindex
Mon Jul 09, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Two or Three Day Golf Clinics?
Replies: 21
Views: 1945

Re: Two or Three Day Golf Clinics?

When I was a teenager a long time ago I went to a golf digest camp. Peter Kostis, Davis Love Jr and others were the teachers. It was incredible. I learned most of what i was taught by club pga pros was wrong, starting with the grip. Nowadays teachers lend their name out and rarely, if ever actually ...
by Rexindex
Fri Jul 06, 2018 5:43 am
Forum: Personal Consumer Issues
Topic: Carpenter Bees- HELP!
Replies: 17
Views: 2354

Carpenter Bees- HELP!

Wood siding seems to attract carpenter bees. I have doused the holes with bee killing foam, plugged the holes and repainted over them, only to have them eat away somewhere else.

Has anyone had success ridding their homes of these pests?

Any help is appreciated.
by Rexindex
Tue Jul 03, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: Repair Vehicle or Move On?
Replies: 22
Views: 1771

Re: Repair Vehicle or Move On?

Cut your losses and move on or you will regret it later.
by Rexindex
Tue Jun 19, 2018 6:34 pm
Forum: Personal Investments
Topic: Can I break the tape in 5 years?????
Replies: 27
Views: 3812

Re: Can I break the tape in 5 years?????

Is this typical for a bogleheads to be this in doubt? Isn’t over $3m at age 51 a lot of money? :shock:
by Rexindex
Sun Jun 17, 2018 6:21 pm
Forum: Investing - Theory, News & General
Topic: Retirement spending/ HCOL areas?
Replies: 10
Views: 2184

Re: Retirement spending/ HCOL areas?

If one doesn’t have a mortgage and is debt free in retirement I can only see High cost of living areas affecting someone if they are in VERY high cost areas like San Fran, NY and a half a dozen others.
by Rexindex
Tue Jun 05, 2018 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 276
Views: 17115

Re: Can a Retired 60 yo MD, MBA Start a Law Career?

Why dont you ask 3 lawyers you respect about alternative careers consulting for a law firm? Obviously you like education and racking up degrees, which is fine if you constantly seek mental stimulation. However, there may be ways to get the stimulation consulting and being in the legal culture withou...
by Rexindex
Sun Jun 03, 2018 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 16010

Re: Best Advice You Never Took

“Sit on a letter, email, whatever a few days before sending it with emotion”
by Rexindex
Sun May 27, 2018 6:57 pm
Forum: Personal Investments
Topic: Does anticipated SS alter today’s allocation?
Replies: 20
Views: 2116

Does anticipated SS alter today’s allocation?

In my early 50’s and currently almost 60/40. I anticipate taking SS at 67, or 70 and am wondering, since this will constitute between 15-20% of my retirement source , am I allocated properly? On the one hand, if I am close to realizing my “number”,should I dial back and be more like 50/50? On the ot...
by Rexindex
Sat Apr 28, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Ikea Quality
Replies: 37
Views: 4241

Re: Ikea Quality

I just learned that ikea in Swedish translates = junk
by Rexindex
Tue Mar 27, 2018 4:03 pm
Forum: Personal Investments
Topic: Where do I invest TODAY?
Replies: 10
Views: 1634

Where do I invest TODAY?

Lets assume my asset allocation is where I want it. Lets assume my time span to retirement is 10 years and I have $2,000/month to invest in taxable accounts. Where would you put your money if the options were as follows: 1) Money Market 2) Total International Index 3) Total stock Index (US) I guess ...
by Rexindex
Sun Feb 04, 2018 9:07 pm
Forum: Personal Investments
Topic: The big 5-0 and financial check up-advice please
Replies: 9
Views: 2131

Re: The big 5-0 and financial check up-advice please

With another $295,000 in contributions over almost ten years I think you could make the argument to be 50/50
by Rexindex
Wed Jan 10, 2018 4:38 am
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 12141

Re: Effects of extreme cold weather

Interestingly, when the temperature drops into the teens I find myself reflexively going to expedia to find cruise deals to the carribean. :sharebeer
by Rexindex
Mon Jan 01, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Hawaii vacation suggestions
Replies: 40
Views: 6140

Re: Hawaii vacation suggestions

livesoft wrote:
Mon Jan 01, 2018 9:26 am
Hotels: Four Seasons, Wailea
or condos: Elua Village, Wailea

Eating out depends on where you want to eat, could be pho twice a day which would be cheap, or it could be Roy's, not cheap.

Yes, a rental car is necessary to drive to things to see.
You have good taste in hotels! Wow that’s nice!
by Rexindex
Mon Jan 01, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Hawaii vacation suggestions
Replies: 40
Views: 6140

Hawaii vacation suggestions

Hope I can get some Hawaii suggestions. The only things I know are we want to stay in Maui and we prefer pet friendly hotels. Could anyone tell me the best time of year to go? Specific hotel recommendations? Booking? Expedia? Direct through airlines? Package deals? Are rental cars necessary? And wha...
by Rexindex
Sun Dec 31, 2017 9:18 am
Forum: Personal Investments
Topic: What do you consider wealthy?
Replies: 28
Views: 3355

Re: What do you consider wealthy?

By most objective measures in this country and even more so by worldly standards, if you have a net worth of $500,000 or more you are very wealthy
by Rexindex
Tue Dec 26, 2017 6:58 pm
Forum: Personal Investments
Topic: Rebalancing out of taxable, how?
Replies: 7
Views: 646

Re: Rebalancing out of taxable, how?

BolderBoy wrote:
Tue Dec 26, 2017 6:49 pm
Rexindex wrote:
Tue Dec 26, 2017 6:46 pm
Let’s say I want to rebalance and reduce my % of stocks but the only account left to rebalance are taxable?
I'm just a smidge unclear. Are you saying you have no stocks in any retirement accounts?
Very little
by Rexindex
Tue Dec 26, 2017 6:46 pm
Forum: Personal Investments
Topic: Rebalancing out of taxable, how?
Replies: 7
Views: 646

Rebalancing out of taxable, how?

Let’s say I want to rebalance and reduce my % of stocks but the only account left to rebalance are taxable? How would I limit my tax impact by reducing the taxable accounts I hold which I have dollar cost averaged into over the last ten years and how do I do so with the lowest tax impact? Question #...
by Rexindex
Wed Nov 08, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to get interview/ strange turn, what to think?
Replies: 19
Views: 3043

Re: Trying to get interview/ strange turn, what to think?

Possibilities: You are being blown off. Strange because she could have already rejected you but did not. The recruiter is out longer than expected The recruiter is a disorganized mess They have made their decision in the last few days and the job is gone Job is still open and they are overwhelmed wi...
by Rexindex
Mon Oct 23, 2017 6:54 pm
Forum: Investing - Theory, News & General
Topic: Over 50 catch up-calendar year or birth date?
Replies: 4
Views: 605

Over 50 catch up-calendar year or birth date?

If a birthday is in August of 2018, can someone turning 50 make catch up contributions from January 2018(pre birthday) to max out employer plan for fiscal 2018?
by Rexindex
Fri Aug 25, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement anxiety- emotionally and financially
Replies: 55
Views: 8892

Re: Retirement anxiety- emotionally and financially

There are always options to work part time at something you may enjoy more. Semi retirement means some income, which can ease the stress of quitting work completely.
by Rexindex
Sun Jul 23, 2017 9:05 pm
Forum: Personal Consumer Issues
Topic: Bermuda beach hotel recommendation
Replies: 4
Views: 677

Bermuda beach hotel recommendation

I am looking to plan a long weekend vacation at a family friendly beach hotel in Bermuda and was wondering if anyone had a recommendation.

Being on either elbow or horsheshoe is preferred.
by Rexindex
Mon Jul 03, 2017 12:15 pm
Forum: Personal Investments
Topic: Seeking advice on Early Retirement
Replies: 30
Views: 5290

Re: Financial health Check request and Advice needed

Health care is the wild card, I think that is everyones wild card. I would lower allocation to almost 50/50 but I am pretty scared of losing money.
by Rexindex
Mon May 29, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: HR Experts- is a PHR/SPHR worth it?
Replies: 7
Views: 2493

HR Experts- is a PHR/SPHR worth it?

I spend quite a bit of my time in the realm of Human Resources as an operations person and have been for years.

I was wondering if there are any HR people out there who could comment on whether the PHR or SPHR certification has been worth it for them, especially financially career wise?
by Rexindex
Thu Apr 20, 2017 9:10 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 55703

Re: Larry Swedroe says "Goodby."

First off, thank you Larry Swedroe. As a purchaser of your books and reader of your works, I am very very grateful. I think the Boglehead community is wonderful and I have benefited from it and am appreciative. But I think there is a lesson here that not all people not retired like Larry who give of...
by Rexindex
Sat Apr 01, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Finding a good financial planner
Replies: 12
Views: 1651

Finding a good financial planner

Where can I find a fee only financial planner to help me? Is there an association that is highly selective where I can be reasonably assured they have a fiduciary responsibility to do whats best for me? My greatest need is tax planning and tax advantaged saving options, how to determine how much of ...