Search found 720 matches

by Traveller
Fri Jun 07, 2019 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Money Deposited into my bank account in error
Replies: 10
Views: 1084

Re: Money Deposited into my bank account in error

You indicated that it's not yours, so report it ASAP so it can be returned to the rightful owner.

Integrity matters.
by Traveller
Sun Apr 21, 2019 7:16 am
Forum: Personal Consumer Issues
Topic: What are your 5 favorite tools (hand, power, other)
Replies: 33
Views: 2165

Re: What are your 5 favorite tools (hand, power, other)

1. Pressure washer
2. Cordless drill
3. Leatherman
4. Sawzall
5. Snow blower
by Traveller
Wed Apr 17, 2019 9:14 am
Forum: Personal Investments
Topic: Does Vanguard Offer Automatic Rebalancing
Replies: 13
Views: 1693

Re: Does Vanguard Offer Autmatic Rebalancing

Just my opinion, but a target date fund sounds perfect for your wife. Why do you feel a three fund is better? The target date fund easentially is a self balancing 3 fund portfolio that shifts it's asset allocation more conservative as one ages.
by Traveller
Mon Apr 08, 2019 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Standard Deduction vs Itemizing - Experience this year
Replies: 52
Views: 5312

Re: Standard Deduction vs Itemizing - Experience this year

This year was the first time in 40 years that I have not itemized. While we have not had a mortgage for a long time, state income taxes, property taxes and charitable contributions always exceeded the standard deduction. With the SALT limit, we did not come close. Under current tax law, bunching ch...
by Traveller
Mon Apr 08, 2019 8:12 am
Forum: Personal Consumer Issues
Topic: Smartphones with Least Bloatware
Replies: 29
Views: 2904

Re: Smartphones with Least Bloatware

Moto G6 has very little... Relatively I agree with this. I stopped buying top of line iPhones about 3 years ago as the prices were getting crazy high to me. I then had a sprint htc phone that was LOADED with bloatware, until just last week I got a moto G6 (from costco for $200). It has a very very ...
by Traveller
Fri Apr 05, 2019 7:52 am
Forum: Personal Consumer Issues
Topic: French movies on Netflix
Replies: 40
Views: 2126

Re: French movies on Netflix

French is not my thing, but we watched Joyeux Noel around Christmas time and it was excellent. Its In french but subtitled, pg 13, and historical - checks all your boxes. Storyline from IMDB: https://www.imdb.com/title/tt0424205/ In 1914, World War I, the bloodiest war ever at that time in human his...
by Traveller
Fri Apr 05, 2019 7:17 am
Forum: Personal Investments
Topic: Leaving First Command Tax Repercussions
Replies: 28
Views: 2103

Re: Leaving First Command Tax Repercussions

Thank you for the advice. I'm not sure what your acronyms mean, though. :-) Most people here use Vanguard or Fidelity as their investment firm as they both have excellent low cost fund options. Most people here also manage their investments themselves as opposed to paying an advisor to do so. The r...
by Traveller
Sat Mar 30, 2019 11:47 am
Forum: Personal Investments
Topic: Advice for paying $3K special assessment - up front vs. over 15 yr at 4%APR (and invest $ instead)
Replies: 15
Views: 868

Re: Advice for paying $3K special assessment - up front vs. over 15 yr at 4%APR (and invest $ instead)

I too would pay it all now, as I have a general dislike for payments and prefer simplicity. Plus, there is a good chance the road will be back in disrepair 12 years from now and it would bug me to still be paying for the old fix when they come asking for money for the new fix.
by Traveller
Tue Mar 12, 2019 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: How many companies have you worked for?
Replies: 125
Views: 6476

Re: How many companies have you worked for?

1 since college. I'm 49.
by Traveller
Fri Feb 08, 2019 6:40 am
Forum: Personal Consumer Issues
Topic: Describe doing new car purchase paperwork when you collect the car
Replies: 30
Views: 1542

Re: Describe doing new car purchase paperwork when you collect the car

What I want to know is what happens after the dealer agrees to my Out The Door price. If you have negotiated an out the doof price, many of your questions are irrelevant. You have already negotiated the total which should include title, tax, doc fee, etc. Just make it clear that you agree to pay th...
by Traveller
Fri Jan 18, 2019 10:28 am
Forum: Personal Investments
Topic: 2019 Backdoor Roth limit when turning 50
Replies: 5
Views: 403

Re: 2019 Backdoor Roth limit when turning 50

Correct. You can contribute the full catch-up payment in the calendar year you turn 50, regardless of whether your birthday is Jan 1 or Dec 31. For your reference: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-catch-up-contributions Thank you so much. I guess gett...
by Traveller
Fri Jan 18, 2019 10:05 am
Forum: Personal Investments
Topic: 2019 Backdoor Roth limit when turning 50
Replies: 5
Views: 403

2019 Backdoor Roth limit when turning 50

I am about to do my backdoor Roth contributions for 2019 and want to make sure I've got the limits correct. I am 49, turning 50 in December. I understand the 2019 IRA limit to be $6k, or $7k if over age 50. The wiki states it this way: the maximum IRA contribution in 2019 is $6,000 per person (or $7...
by Traveller
Sat Jan 12, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Elliptical recommendation under 2k
Replies: 13
Views: 800

Re: Elliptical recommendation under 2k

I cant help with specific models, but will offer this: wait until July or August and check craigslist. About then, all the people who bought new exercise equipment as a new years resolution and used it 3 times will want it out of their spare room.
by Traveller
Fri Jan 04, 2019 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 158
Views: 8605

Re: What Do You Spend The Most On Annually?

2018 top 5:

1) savings
2) income taxes
3) college tuition x 2
4) charity
5) food / dining / household supplies

Massive gap between number 4 and 5...
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: 22708

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: 2488

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: 3196

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: 2017

Re: Recommendations for Home Printer

Another brother lover here.
by Traveller
Sun Nov 18, 2018 4:57 pm
Forum: Personal Investments
Topic: Am I understanding this right about DAFs? If so...wow
Replies: 37
Views: 5238

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: Personal Investments
Topic: solo 401k worth it, if I can only put $3200 a year in it?
Replies: 18
Views: 1272

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: 1840

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: Personal Investments
Topic: Taking the plunge to 3 fund portfolio - Logistical Questions
Replies: 8
Views: 1140

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: 11241

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: 995

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: 2037

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: 2037

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: 2037

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: Personal Investments
Topic: TLH [Tax Loss Harvesting]
Replies: 13
Views: 838

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: 5173

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: Personal Investments
Topic: For those who paid off house - how did you do it?
Replies: 97
Views: 8036

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: 630
Views: 68716

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: US Chapters
Topic: West Michigan Bogleheads Chapter - chat
Replies: 46
Views: 4109

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: 12
Views: 2032

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: US Chapters
Topic: West Michigan Bogleheads Chapter - chat
Replies: 46
Views: 4109

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: 4947

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: 8001

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: 1542

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: 2652

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: 4999

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: 16774

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: 6160

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: 2381

Re: Best Banks 2018

Ally.
by Traveller
Wed Jul 18, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Computer Clocks
Replies: 17
Views: 1765

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: 18944

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: 18944

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: 1513

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: Personal Investments
Topic: Dividing investments across Fidelity/Vanguard
Replies: 7
Views: 851

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: 1246

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: 4796

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: Personal Investments
Topic: Tax loss harvesting question
Replies: 15
Views: 1213

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...