Search found 706 matches

by Traveller
Tue Dec 11, 2018 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 21695

Re: What percentage of your net worth is your home equity?

10%
No mortgage.
Property is an asset and therefore part of my net worth.
by Traveller
Tue Dec 04, 2018 10:29 pm
Forum: Personal Consumer Issues
Topic: Looking for a nice travel watch... recommendations?
Replies: 41
Views: 2355

Re: Looking for a nice travel watch... recommendations?

Here you go:

https://www.amazon.com/Orient-Japanese- ... 01AK5TQE0/

Orient is owned by Seiko's parent. Very nice inexpensive automatic watch that looks good in the pool or out to dinner.
by Traveller
Thu Nov 22, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Tiny Baby Spiders on my Toaster
Replies: 40
Views: 3049

Re: Tiny Baby Spiders on my Toaster

I’ve read that spiders like the smell of natural gas, so they will be attracted to these appliances We had a new gas fireplace installed last year and the installer recommended leaving the pilot light on during the summer months for this reason. Apparently a very common problem where spiders are at...
by Traveller
Tue Nov 20, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Home Printer
Replies: 41
Views: 1743

Re: Recommendations for Home Printer

Another brother lover here.
by Traveller
Sun Nov 18, 2018 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Am I understanding this right about DAFs? If so...wow
Replies: 33
Views: 3960

Re: Am I understanding this right about DAFs? If so...wow

Mike Scott wrote:
Sun Nov 18, 2018 10:33 am
I would also suggest going with the DAF but only after checking to make sure the DAF will recognize your chosen charities to issue checks.
You can search GuideStar to see if your charity is already registered.
https://www.guidestar.org/Home.aspx
by Traveller
Sun Nov 18, 2018 8:20 am
Forum: Investing - Help with Personal Investments
Topic: solo 401k worth it, if I can only put $3200 a year in it?
Replies: 18
Views: 1181

Re: solo 401k worth it, if I can only put $3200 a year in it?

RickBoglehead wrote:
Sun Nov 18, 2018 8:16 am
You can put the rest in as an employee contribution.
Can he if he is already maxing out his 401k from his W2 job?
by Traveller
Sat Nov 10, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: Best Finance/Stock Market Films
Replies: 34
Views: 1685

Re: Best Finance/Stock Market Films

abuss368 wrote:
Fri Nov 09, 2018 1:45 pm
TruthHurts87 wrote:
Fri Nov 09, 2018 1:32 pm
Too Big To Fail.
That’s the name! I have the movie but could not remember the name. Very good.
+1. Very good movie about the financial crisis with a great cast.

https://www.imdb.com/title/tt1742683
by Traveller
Thu Nov 08, 2018 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Taking the plunge to 3 fund portfolio - Logistical Questions
Replies: 8
Views: 1081

Re: Taking the plunge to 3 fund portfolio - Logistical Questions

A. I plan on leaving the taxable account alone and selling/buying funds in the retirement accounts. 95% of the retirement accounts are pre-tax, with a little bit of ROTH 401K funds. Any tax implications of buying/selling funds in those? I don't think so... Correct - no tax issues buying or selling ...
by Traveller
Thu Nov 08, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 10902

Re: Favorite "free stuff"?

Library Costco samples Local parks Bike rides Raking leaves in the fall with my family Warm nights with my wife Slow Sundays with a good book Staying with good friends when we travel Voting Hiking with my kids Campfires Star gazing Local nature center classes Linux Community parades Friends Voluntee...
by Traveller
Thu Nov 08, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Hiring a driver/escort tax question.
Replies: 6
Views: 962

Re: Hiring a driver/escort tax question.

I agree, but I fixed your post for you. :happy
Gill wrote:
Thu Nov 08, 2018 9:12 am
No need for withholding. They are independent contractors who should pay their own SS and income tax.
Gill
by Traveller
Tue Nov 06, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: DAF - Vanguard or Fidelity? (donor advised fund)
Replies: 26
Views: 1649

Re: DAF - Vanguard or Fidelity? (donor advised fund)

OP here.. I went ahead and opened the DAF at Fidelity and have a few final questions for those who have transferred vanguard funds shares to their Fidelity DAF. ... Yes . . . However, it has been my experience that Vanguard is challenged by keeping track of the right lots. It's good, but not great. ...
by Traveller
Wed Oct 31, 2018 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: DAF - Vanguard or Fidelity? (donor advised fund)
Replies: 26
Views: 1649

Re: DAF - Vanguard or Fidelity? (donor advised fund)

Thank you all for the feedback. Clearly there is a lot of love for the Fidelity DAF here (and that is where I am leaning as well for all the reasons listed). I'm another who chose Fidelity because of the lower minimums. 1) Can I directly transfer Vanguard mutual fund shares (Admiral class) from VG t...
by Traveller
Wed Oct 31, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: DAF - Vanguard or Fidelity? (donor advised fund)
Replies: 26
Views: 1649

DAF - Vanguard or Fidelity? (donor advised fund)

Due to the tax law changes and my personal situation, now is the time to open a Donor Advised Fund and fund a years worth of charitable giving. I am considering either Vanguard or Fidelity and am torn as to which is best for me. I keep all my investments at Vanguard, so I would imagine it would be e...
by Traveller
Tue Oct 30, 2018 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: TLH [Tax Loss Harvesting]
Replies: 13
Views: 744

Re: TLH

How can I tell which purchases are being sold at a loss at Vanguard? Maybe I just need to dig a little deeper on their site, but the overview shows my overall balance of any specific fund - It's not broken down into each individual purchase that I made. From the "Balances and Holdings" page, click ...
by Traveller
Mon Oct 29, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Should I co-sign for relative?
Replies: 103
Views: 4988

Re: Should I co-sign for relative?

One more vote for "No way". As stated above, $900/mo for a lease seems to be WAY too high for someone without an established credit history. Also, I'm personally not a fan of leases as they are often used by people as a way to get more car than they SHOULD afford. Plus, the banks don't seem to belie...
by Traveller
Mon Oct 22, 2018 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: For those who paid off house - how did you do it?
Replies: 97
Views: 7754

Re: For those who paid off house - how did you do it?

I did #1 as well. Budgeted an additional principal payment to be sent everything month, then split all "found" money 50/50 between taxable investments and mortgage principal. Everything that was not usual paycheck was handled this way including bonuses, cash back card proceeds, tax refunds, garage s...
by Traveller
Tue Oct 16, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 493
Views: 49582

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I withdrew 99% of my funds into my brick and mortar bank yesterday by online transfer. I signed up for the promo this morning and then redeposited the funds back from the brick and mortar. It might work, it might not. I'm not going to sweat it if it does not. I'm doing the same - just transferred $...
by Traveller
Thu Oct 11, 2018 6:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: West Michigan Bogleheads Chapter - chat
Replies: 41
Views: 2928

Re: West Michigan Bogleheads Chapter - Who's interested?

David Jay wrote:
Thu Oct 11, 2018 8:42 am
Traveller wrote:
Wed Oct 10, 2018 10:48 am
Another interested Grand Rapidian here.
Hi Traveller. Still driving the XF?
Yup. I'll drive it to our first West Michigan chapter meeting...
by Traveller
Wed Oct 10, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: No Touch ID on Vanguard's mobile app for Android
Replies: 11
Views: 1147

Re: No Touch ID on Vanguard's mobile app for Android

I switched from iPhone to Android a year or so ago. This was the single biggest pain of making that switch since my pw is a crazy long random character string. When I discovered this shortcoming, I took some comfort in a post I found somewhere which stated that Vanguard was "working on it". Hopefull...
by Traveller
Wed Oct 10, 2018 10:48 am
Forum: Local Chapters and Bogleheads Community
Topic: West Michigan Bogleheads Chapter - chat
Replies: 41
Views: 2928

Re: West Michigan Bogleheads Chapter - Who's interested?

Another interested Grand Rapidian here.
by Traveller
Tue Oct 09, 2018 12:21 pm
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4698

Re: Should I, and how, act on changes in managing diet and health?

Many of the fast food and places like Ruby Tuesday are not doing that well financially. Some fast food places must be doing well as i just heard on the news that the CDC has recently released a study showing that over one-third of american adults eat fast food on any given day. :shock: I also found...
by Traveller
Mon Sep 24, 2018 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to get $100k cash
Replies: 86
Views: 7769

Re: Best way to get $100k cash

Donate a LOT of plasma. In my opinion, this... You are chasing pennies. If you have the income to pay off $100k this year, then do it. Dump big payments each month way beyond the minimum payment onto the mortgage. If you do that, the interest paid will be far lower than the amount you quoted. No ne...
by Traveller
Wed Sep 19, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Fixing diamond ring
Replies: 19
Views: 1457

Re: Fixing diamond ring

... Take it to an independent jeweler who has a demonstrated good reputation. ... This. We have the same situation with my wife's ring right now and it is currently at the jewelers being repaired. The jeweler we use has been in business for many years and has a stellar reputation which he is very c...
by Traveller
Sat Aug 18, 2018 9:56 pm
Forum: Personal Consumer Issues
Topic: oil pan threads stripped - pan saver okay?
Replies: 33
Views: 2254

Re: oil pan threads stripped - pan saver okay?

You can buy a new plug, slightly larger that the original. It will have the ability to re-thread the original hole to fit the new plug once you screw it in. Metal oil pans are soft metal and the oversize plug will do the job. Just be sure to use the gasket that comes with it. https://www.lawsonprod...
by Traveller
Wed Aug 15, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Adult piggy bank
Replies: 54
Views: 4839

Re: Adult piggy bank

GoofyOne wrote:
Wed Aug 15, 2018 7:00 am
I just use a ziplock bag and once it is full, take it over to a Coinstar Kiosk and get my amazon Gift Certificate....
Same here except we use a quart sized mason jar. Interesting thing is that this size jar filled to the top with random pocket change is always $110 +/- a few bucks.
by Traveller
Sat Aug 04, 2018 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 16248

Re: Will you pay for your kids' college/graduate education?

livesoft wrote:
Sat Aug 04, 2018 7:27 pm
We paid for kids' college/graduate education. Contrary to the OP's statement, the cost was not and is not skyrocketing.
Another +1.

I am paying for 3 kids right now.
by Traveller
Sun Jul 29, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: ACT test - got 34, try for 36?
Replies: 61
Views: 5746

Re: ACT test - got 34, try for 36?

If your kid wants to go for it, you have nothing to lose except the fee for the test. When submitting Act scores to colleges, you pick what score(s) to send so no risk if they score lower. My kids took the Act multiple times and it helped in all cases. My daughter started at 34 and then got her 36. ...
by Traveller
Tue Jul 24, 2018 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Best Banks 2018
Replies: 15
Views: 2169

Re: Best Banks 2018

Ally.
by Traveller
Wed Jul 18, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Computer Clocks
Replies: 17
Views: 1737

Re: Computer Clocks

by Traveller
Wed Jul 18, 2018 7:33 am
Forum: Personal Finance (Not Investing)
Topic: High Income earners, whats your Tax Strategy?
Replies: 122
Views: 18293

Re: High Income earners, whats your Tax Strategy?

We keep it simple: ... - Keep taxable in ETFs instead of traditional mutual funds, where you can more effectively defer capital gains ... What is the significant advantage of ETFs in this scenario? I'm not challenging, just trying to learn as I keep mutual funds in my taxable and am in the top tax ...
by Traveller
Tue Jul 17, 2018 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: High Income earners, whats your Tax Strategy?
Replies: 122
Views: 18293

Re: High Income earners, whats your Tax Strategy?

We keep it simple: ... - Keep taxable in ETFs instead of traditional mutual funds, where you can more effectively defer capital gains ... What is the significant advantage of ETFs in this scenario? I'm not challenging, just trying to learn as I keep mutual funds in my taxable and am in the top tax ...
by Traveller
Thu Jul 12, 2018 8:57 am
Forum: Investing - Theory, News & General
Topic: What recent (last ~8 months) events have changed the total US stock market?
Replies: 14
Views: 1456

Re: What recent (last ~8 months) events have changed the total US stock market?

jebmke wrote:
Thu Jul 12, 2018 7:36 am
TheBogleWay wrote:
Thu Jul 12, 2018 3:01 am
There have been some drastic swings
Is this true? It sure doesn't feel like the movement has been extraordinary. I have not looked at specific data compared to historical norms.
+1. I don't watch too closely, but I haven't noticed "drastic" swings in the past 8 months.
by Traveller
Wed Jul 11, 2018 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Dividing investments across Fidelity/Vanguard
Replies: 7
Views: 827

Re: Dividing investments across Fidelity/Vanguard

Looks very reasonable to me. :beer

I agree with the prior comment that it's ideal to make the exchanges and be done with it, with the one added consideration of tax impact in your taxable account. Be sure you understand the consequences come tax time.
by Traveller
Sun Jul 08, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: New ladies bike: recommendations
Replies: 17
Views: 1213

Re: New ladies bike: recommendations

My wife and I just bought new bikes last weekend for general fitness and paved trail riding. She picked a Trek FX3 and LOVES it. Step-thru frame, good components, light, hydraulic disk brakes, carbon fiber front fork. very comfortable. It cost about $650 out the door. I bought a Specialized Sirrus E...
by Traveller
Tue Jul 03, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Will I ever be able to itemize?
Replies: 64
Views: 4673

Re: Will I ever be able to itemize?

Not a tax expert but I'm confused why you think you are getting "screwed" when the standard deduction is bigger than the sum of your deductions? Seems like it benefits you.

If you really want to itemize, donate more than $4k to charities.
by Traveller
Tue Jul 03, 2018 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting question
Replies: 15
Views: 1181

Re: Tax loss harvesting question

may be a stupid question but is there a difference if I do an Exchange operation from VBTLX > VBILX instead of individual steps selling VBTLX and then buying VBILX? I think they should be functionally equivalent for TLH purposes? Yes - an exchange is appropriate as it will sell the first fund and b...
by Traveller
Wed Jun 27, 2018 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Umbrella Policy: Right amount for $7 mil net worth?
Replies: 76
Views: 11404

Re: Umbrella Policy: Right amount for $7 mil net worth?

80-90% of personal umbrella claims are for auto accidents. If you almost never drive, don't own any dangerous pets, don't have any high risk hobbies, like boating or flying a private plane, and rent an apartment or condo, I question whether you need an umbrella policy at all. Or have a driving age ...
by Traveller
Tue Jun 26, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Excess Liability
Replies: 10
Views: 889

Re: Excess Liability

In my opinion, anyone with assets of any significance should have an umbrella policy. The premiums above look reasonable to me (mine costs significantly more but for higher limits). Having driving age children can greatly raise your premiums as your potential exposure to claims goes up drastically (...
by Traveller
Sat Jun 09, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: AT&T lower-cost data alternatives (is Sprint's $15/mth worth it)?
Replies: 27
Views: 2498

Re: AT&T lower-cost data alternatives (is Sprint's $15/mth worth it)?

I moved my entire family to sprint about 8 months ago. Previously I had At&t for a very long time. What I found is that voice coverage is fine in that I haven't noticed a difference compared to AT&T, but data coverage isn't as good. AT&T definitely has more LTE coverage and overall slightly better s...
by Traveller
Sun Jun 03, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Tool board for basement - plywood or pegboard?
Replies: 30
Views: 2198

Re: Tool board for basement - plywood or pegboard?

Definitely pegboard. When I bought some not long ago, they had sheets in 2 thicknesses. Get the thicker stuff - it was maybe 1/4" thick vs 1/8".
by Traveller
Sun May 27, 2018 10:49 pm
Forum: Local Chapters and Bogleheads Community
Topic: MEMORIAL DAY 2018
Replies: 28
Views: 3059

Re: MEMORIAL DAY 2018

Taylor - Thank you for the reminder of the importance of this holiday. We so easily take for granted the freedoms we enjoy each day; freedoms we would not have if it were not for the bravery, courage, sacrifice, and commitment of so many men and women who serve. Thank you for your service, and happy...
by Traveller
Sat May 26, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Professional negotiator
Replies: 21
Views: 2614

Re: Professional negotiator

Soulds like you are thinking about doing this for individuals or small companies, which I dont know if there is a market for. I can tell you that there are many companies that offer vendor negotiation and benchmarking services to mid and large companies. They generally will run RFP and selection pro...
by Traveller
Wed May 02, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: What Android browser do you use?
Replies: 44
Views: 3286

Re: What Android browser do you use?

protagonist wrote:
Tue May 01, 2018 6:51 pm
Traveller wrote:
Sun Apr 29, 2018 9:06 pm
Also one word: Brave. Love it.
Do you know if Brave has a setting for a black background?
Just did a quick look and I don't see such a setting (assuming what you mean is that it will override web page colors to give a black background).
by Traveller
Sun Apr 29, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: What Android browser do you use?
Replies: 44
Views: 3286

Re: What Android browser do you use?

Also one word: Brave. Love it.
by Traveller
Fri Apr 27, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: First TLH execution, quick question
Replies: 6
Views: 423

Re: First TLH execution, quick question

It does not matter except if some are within 1 year of purchase as these would be short-term losses as opposed to long-term. You would likely want to sell ALL lots with a loss, both short term and long term.
by Traveller
Fri Apr 27, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Potential future events screwing up current Backdoor Roth?
Replies: 4
Views: 546

Re: Potential future events screwing up current Backdoor Roth?

Not an expert, but I don't see a problem caused by either situation. There is no problem having both a Roth and a traditional IRA, which seems to be the result of both scenarios you describe. The only considerations would be that you would need to consider pro-rata issues if you wanted to do another...
by Traveller
Tue Apr 03, 2018 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Saving For Retirement as a Millennial
Replies: 28
Views: 3288

Re: Saving For Retirement as a Millennial

It sounds to me like you are off to a great start - You're in your 20's, have more saved already than many twice your age, your career seems to be progressing, and you are thinking about retirement savings already. Congrats! To answer your first question, I wouldnt worry about the "1x by 30" benchma...
by Traveller
Fri Mar 30, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: Hot water safty
Replies: 8
Views: 1325

Re: Hot water safty

I am no expert, but I would simply drain it (maybe twice if there are signs on significant setiment or you are very concerned), then use it. At that point it I would think it would pass the sniff and taste test.
by Traveller
Thu Mar 29, 2018 6:47 am
Forum: Investing - Help with Personal Investments
Topic: Performing / non-performing notes: Should I, and where / how to buy them
Replies: 4
Views: 527

Re: Performing / non-performing notes: Should I, and where / how to buy them

Dont do it. The only loans you'd be able to buy are the scraps that the institutional investors don't want. If there was even a semi-decent chance of realizing the returns you cite, they would keep the notes.