Search found 682 matches

by Traveller
Wed Aug 15, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Adult piggy bank
Replies: 51
Views: 3569

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: 14142

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: 5233

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: 1916

Re: Best Banks 2018

Ally.
by Traveller
Wed Jul 18, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Computer Clocks
Replies: 17
Views: 1592

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: 17507

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: 17507

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: 1368

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: 769

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: 1095

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: 4362

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: 1068

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: 54
Views: 6820

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: 837

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: 2318

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: 1951

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: 2757

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: 2485

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: 2971

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: 2971

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: 352

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: 512

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: 2992

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: 1089

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: 484

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.
by Traveller
Sun Mar 25, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: discretionary spending per month
Replies: 54
Views: 6262

Re: discretionary spending per month

$4k a month goes into the discretionary account. That covers all fuel, groceries, clothing, anything from Costco or Amazon, piano lessons, gifts, minor travel, maintenance stuff like oil changes, entertainment, pocket money, trips to the mall, runs to the hardware store, home goods, girl scout cooki...
by Traveller
Sat Mar 24, 2018 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Online Savings Account Reservations???
Replies: 23
Views: 3603

Re: Online Savings Account Reservations???

Just do it. Setting up online accounts is quick and easy, and you can link it to your local bank account so moving money is easy too. I use Ally and a local CU. I can transfer money between them in 1 business day. All the major online banks are probably good, but I really have been happy with Ally. ...
by Traveller
Fri Mar 23, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Brand Liquor
Replies: 58
Views: 7557

Re: Costco Kirkland Brand Liquor

These are the States that "do not" sell booze at Costco: Alabama Idaho Iowa Maine Michigan Mississippi Montana New Hampshire North Carolina Ohio Oregon Penn. Utah Vermont Virgina W. Virgina Wyoming All other states sell at your fine local Costco :beer I'm in Michigan and can tell you that our Costc...
by Traveller
Sat Mar 10, 2018 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Amount saved by age
Replies: 58
Views: 8802

Re: Amount saved by age

Sam over at the site Financial Samurai has a few interesting articles tied to this topic, such as this one: https://www.financialsamurai.com/how-mu ... ed-by-age/
by Traveller
Mon Mar 05, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Should I agree to have my driving monitored in exchange for lower rates?
Replies: 65
Views: 5535

Re: Should I agree to have my driving monitored in exchange for lower rates?

No way would I voluntarily do this. Besides my natural predilection for privacy, I'm pretty sure I would trip all their alarms... Fast acceleration? Check. Speeding? You bet. Rapid braking? Indeed. Lots of time behind the wheel? Yes.
by Traveller
Wed Feb 14, 2018 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Planning Using Nominal or Real Return
Replies: 13
Views: 840

Re: Planning Using Nominal or Real Return

I personally use real return when planning long term. It's just easier for me to think in terms of "today's dollars" instead of trying to account inflation. I use 4% as my assumption (approx 7% nominal with approx 3% inflation). 4% real May be achievable very long term, but if you assume 2% inflati...
by Traveller
Wed Feb 14, 2018 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Planning Using Nominal or Real Return
Replies: 13
Views: 840

Re: Planning Using Nominal or Real Return

I personally use real return when planning long term. It's just easier for me to think in terms of "today's dollars" instead of trying to account inflation. I use 4% as my assumption (approx 7% nominal with approx 3% inflation).
by Traveller
Mon Feb 12, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Going Paperless Issues
Replies: 68
Views: 4704

Re: Going Paperless Issues

All my bills except my insurance company ( home, auto, umbrella) are set to auto pay on a credit card that is only used for such bills. My insurance company charges something like an 8% penalty for credit card payments, so I have them set to auto-draft an online checking account. The credit card men...
by Traveller
Mon Feb 12, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant not doing taxes while you are there
Replies: 53
Views: 6616

Re: Accountant not doing taxes while you are there

The last thing I would want to do is sit there while my accountant does my return! (admittedly, my returns are fairly complex) The process I have with my accountant is: 1) I submit all my information and documentation. 2) we have a quick meeting to review and answer any questions they may have of me...
by Traveller
Sun Feb 11, 2018 11:33 pm
Forum: Personal Consumer Issues
Topic: USPS Flat Rate Boxes - How do they work?
Replies: 27
Views: 2505

Re: USPS Flat Rate Boxes - How do they work?

The flat rate boxes are specific boxes that you can get for free at the postoffice. The big advantage is that there is no weight limit - if you can fit it in the box, you just pay the flat rate price for that box size. You pay when you ship it.
by Traveller
Sat Feb 10, 2018 10:29 pm
Forum: Personal Consumer Issues
Topic: Home printer
Replies: 50
Views: 3384

Re: Home printer

If you can live without color, I'd strongly suggest a laser printer. Not only are they far cheaper to operate, but the toner doesn't go bad over time. You said "I think for my infrequent use the deskjet may be a good option". I became so frustrated with the short life of my ink cartridges despite in...
by Traveller
Wed Feb 07, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Giving up on Quicken? (and expense tracking software altogether)
Replies: 73
Views: 7790

Re: Giving up on Quicken? (and expense tracking software altogether)

Traveller, This reply has been extremely helpful to me, thank you. i have been feeling frustrated lately because I can be OCD and feel the need to see the category amounts but I don't WANT to care what is in each category as long as discretionary is under a certain amount. I wish my brain could get...
by Traveller
Tue Feb 06, 2018 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Hole
Replies: 163
Views: 15243

Re: Financial Hole

Get a free library card and you can get the Total Money Make Over there. That is what i did. I just took notes on what I should be doing. To me the OP doesn't want help, just complain. Having coordinated several Financial Peace University (FPU) classes, I've seen this. "I can't win, the man is keep...
by Traveller
Sat Feb 03, 2018 11:00 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 20068

Re: For BHs who actually like cars - what is your daily driver?

2015 Fiesta ST with some mods. Fun car. Got my son a 2014 Fiesta ST and it is a blast - its like a slot car to drive... ...although, I rode with him a few months ago on a 3 hour drive to Detroit in his car. That super stiff suspention plus low profile tires and stiff seats was a bit rough after a w...
by Traveller
Sat Feb 03, 2018 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Do you live on a budget?
Replies: 65
Views: 4136

Re: Do you live on a budget?

Yes, in our own way. We only budget our discretionary spending (gas, fun, cash, groceries, restaurants, clothing, entertainment, etc.) in total (e.g. $x,xxx / month for everything). We don't care how it gets divided between the various subcategories, we just try to keep it below the total of discret...
by Traveller
Sat Feb 03, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 20068

Re: For BHs who actually like cars - what is your daily driver?

2014 Jaguar XF AWD - it's actually very good in Michigan winters (unless you turn off the snow mode and traction control. I did that once and it tried to kill me...).
by Traveller
Wed Jan 31, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy - Is it worth it.
Replies: 43
Views: 4380

Re: Umbrella Policy - Is it worth it.

From recent personal experience, I suggest you keep it.
by Traveller
Wed Jan 31, 2018 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Giving up on Quicken? (and expense tracking software altogether)
Replies: 73
Views: 7790

Re: Giving up on Quicken? (and expense tracking software altogether)

I used Quicken fanatically for over 20 years, but gave it up several years ago and don't miss it one bit. I also greatly simplified our budgeting and spend tracking and dont really worry about granular categorization of every transaction. I realized that I only had 2 objectives I wanted to accomplis...
by Traveller
Tue Jan 30, 2018 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 1099-B
Replies: 15
Views: 1394

Re: 2017 1099-B

I had said earlier in this thread that I haven't received mine either. Upon closer inspection, I never sold any funds in 2017, just bought. :oops: I guess it was just too good of a year and I didn't have any tax loss harvesting opportunities. :beer I assume you did get any 1099 INT and INT DIV form...
by Traveller
Tue Jan 30, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: 2017 1099-B
Replies: 15
Views: 1394

Re: 2017 1099-B

I had said earlier in this thread that I haven't received mine either. Upon closer inspection, I never sold any funds in 2017, just bought. :oops: I guess it was just too good of a year and I didn't have any tax loss harvesting opportunities. :beer
by Traveller
Mon Jan 29, 2018 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 1099-B
Replies: 15
Views: 1394

Re: 2017 1099-B

I "believe" I have a mutual fund account as I did not upgrade to a brokerage account, and I too have not received my 1099-B. I looked online and found a document which said they would have them out by end of January. Side topic: anyone know how I can tell if my account is a mutual fund account or a ...
by Traveller
Thu Jan 25, 2018 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking About Timing the Market
Replies: 75
Views: 6589

Re: Thinking About Timing the Market

The trend is your friend. Here's the trend since 1802... https://farm5.staticflickr.com/4462/37815865451_892808fdd4_o.png I love this picture! OP - assuming you are investing for more that a handful of years, at what point on this graph would you be disappointed that you bought into the stock marke...
by Traveller
Wed Jan 24, 2018 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Your bond allocation when you were 48
Replies: 125
Views: 7228

Re: Your bond allocation when you were 48

I am 48 and 70% equities / 30% bonds. I plan on keeping this allocation until 55 when I will start ramping down.