Search found 165 matches

by stupidkid
Sun Sep 29, 2019 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Buying Stock/MFs as gift for niece
Replies: 5
Views: 248

Re: Buying Stock/MFs as gift for niece

At birth, I've bought $500 in a total stock fund for various babies as they've arrived. I use a separate fund from my investments (ivv vs vti) but it's just in my taxable account. My plan is when each kid turns 18 I'll write them a check for however much it's grown. No complicated share transfers. N...
by stupidkid
Wed Jun 05, 2019 8:21 am
Forum: Personal Consumer Issues
Topic: Do we need a realtor? First time home buyer, buying from landlord
Replies: 26
Views: 2379

Re: Do we need a realtor? First time home buyer, buying from landlord

Bought my house from my landlord, didn't use a realtor. Just used a lawyer, couple hundred bucks. Negotiated a reasonable price with the landlord and we signed the contract my lawyer drafted. Easy and we were both happy. And you handled finding an inspector and judging how much repairs would cost y...
by stupidkid
Tue Jun 04, 2019 10:42 pm
Forum: Personal Consumer Issues
Topic: Do we need a realtor? First time home buyer, buying from landlord
Replies: 26
Views: 2379

Re: Do we need a realtor? First time home buyer, buying from landlord

Bought my house from my landlord, didn't use a realtor. Just used a lawyer, couple hundred bucks. Negotiated a reasonable price with the landlord and we signed the contract my lawyer drafted. Easy and we were both happy.
by stupidkid
Fri May 10, 2019 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Do you rent even if you can afford to buy?
Replies: 131
Views: 23268

Re: Do you rent even if you can afford to buy?

I bought the house I was renting 11 years ago. Some thoughts: I bought at the "bottom" in 2008 and I was able to take advantage of the first time home buyer credit, which was a perk. I had roommates who became renters, that worked out ok for a few years as they contributed to the mortgage. That was ...
by stupidkid
Wed Apr 10, 2019 10:07 pm
Forum: Personal Consumer Issues
Topic: Bose QC25 or QC35
Replies: 19
Views: 1127

Re: Bose QC25 or QC35

I have the qc20 and qc25. The qc20 are more lightweight but I use the 25s more often as I find the noise cancelling superior. If you're worried about hooking up to the planes entertainment I see no reason to get the 35s, you pay more just for the wireless and rechargeable. Aaa batteries are cheap an...
by stupidkid
Sun Mar 24, 2019 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Buy or lease new car
Replies: 24
Views: 2577

Re: Buy or lease new car

Others have and will make the case for buying, strictly in cost buying definitely wins. I'm in the buying camp, usually I buy a 2-3 year old off lease vehicle and keep it for 5+ years. However, I think leasing can make sense. My BIL called me for car advice, he really wanted a BMW 3 series. He wante...
by stupidkid
Wed Mar 13, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: Angies List v. Homeadvisor v. ???
Replies: 23
Views: 2147

Re: Angies List v. Homeadvisor v. ???

I've had success with Angie's when cross referencing other sources. Of late been checking out nextdoor for neighborhood referrals.
by stupidkid
Mon Mar 04, 2019 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Savings or 0% APR Credit Card for wedidng expenses
Replies: 6
Views: 515

Re: Savings or 0% APR Credit Card for wedidng expenses

0% is better than outright paying, but also consider signing up for a credit card with a bonus. You could easily get two bonuses with that spend, enough for a couple flights. If you have the cash to pay off the cards no reason not to. I had more significant wedding spend, the credit card bonuses sof...
by stupidkid
Sun Feb 10, 2019 5:30 pm
Forum: Investing - Theory, News & General
Topic: Why choose intermediate term treasury at this time?
Replies: 57
Views: 5963

Re: Why choose intermediate term treasury at this time?

I have an intermediate treasury fund available in my 401k, fuamx. It's low cost and meets my requirement for the bond portion of my portfolio, it's low risk. I don't worry about a few bps on that side of the portfolio because I expect income preservation from the bonds, I take risk and seek return o...
by stupidkid
Thu Feb 07, 2019 8:26 pm
Forum: Personal Consumer Issues
Topic: Setting up home office for first time
Replies: 14
Views: 1205

Re: Setting up home office for first time

I've worked from home/remote for over ten years. I spend all day staring at spreadsheets of data, emails, and teleconferences. I have a fancy stand up desk with a treadmill. I rarely raise the desk or use the treadmill. I got a nice chair, worth the money. It's not a big executive chair, but it's er...
by stupidkid
Tue Jan 15, 2019 9:41 am
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 136
Views: 8452

Re: Engagement Ring (Affordable)

My wife likes nice things/jewelry but rarely wears any accessories unless we're going out. She wanted a nice ring. I was very resistant to diamonds or anything flashy until I realized it wasn't for me, it was for her. After that realization, we went shopping and she looked at lots of rings. I spent ...
by stupidkid
Thu Nov 22, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Men's crew neck t-shirts
Replies: 47
Views: 4029

Re: Men's crew neck t-shirts

I wear Merino wool undershirts under my dress shirts. I buy light gray as it blends well under various dress shirt colors. It's much better than cotton. More expensive but I travel for work and I can wear them on the plane, in different climates, and honestly one shirt can get me through a week and...
by stupidkid
Thu Nov 22, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: 1 Week vacation in February 2019, to get away from the Midwest Winter
Replies: 45
Views: 4121

Re: 1 Week vacation in February 2019, to get away from the Midwest Winter

Currently in Costa Rica, guanacaste region. It's great. Incredibly friendly people and very safe. Just tried surfing today!
by stupidkid
Sun Nov 18, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Men's crew neck t-shirts
Replies: 47
Views: 4029

Re: Men's crew neck t-shirts

I wear Merino wool undershirts under my dress shirts. I buy light gray as it blends well under various dress shirt colors. It's much better than cotton. More expensive but I travel for work and I can wear them on the plane, in different climates, and honestly one shirt can get me through a week and ...
by stupidkid
Mon Oct 29, 2018 5:40 pm
Forum: Investing - Theory, News & General
Topic: 401k down 8% this month
Replies: 58
Views: 7174

Re: 401k down 8% this month

5% for me and that's with a 50/50 allocation in my 401k (more stocks in taxable, more of a drop) but I'm only down 1.5% for the year and will keep buying every two weeks for the rest of this year and many more, so it's just a data point...
by stupidkid
Sun Oct 28, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: When to get a new toilet?
Replies: 52
Views: 4141

Re: When to get a new toilet?

I recently replaced a toilet of unknown age which definitely had older internals. My city had a water saving initiative which got me a low water silent toilet for $75, I installed it, pretty easy. If I hadn't gotten it from the city it would have been about $200, so $265 installed wouldn't be bad fo...
by stupidkid
Fri Oct 26, 2018 1:20 pm
Forum: Personal Investments
Topic: TLH recent lots < 30 days after purchase
Replies: 14
Views: 797

Re: TLH recent lots < 30 days after purchase

You can’t have any shares left over, so if some were a gain and others a loss it prevents you from selling the losers and not getting penalized. Also prevents you from buying in your Roth, then harvesting the same index in taxable a few days/weeks later. Make sense? So you have to sell <all> the sh...
by stupidkid
Fri Oct 26, 2018 12:35 pm
Forum: Personal Investments
Topic: TLH recent lots < 30 days after purchase
Replies: 14
Views: 797

Re: TLH recent lots < 30 days after purchase

Nope. "Nope" as in I <can> sell these recently purchased shares? I purchased shares on 10/05/2018 and 10/15/2018 in a few funds which have since declined further. I can sell those lots to TLH and buy a partner fund and that won't be a wash sale? Correct, as long as you sell all shares bought in the...
by stupidkid
Fri Oct 26, 2018 11:19 am
Forum: Personal Investments
Topic: TLH recent lots < 30 days after purchase
Replies: 14
Views: 797

Re: TLH recent lots < 30 days after purchase

MotoTrojan wrote:
Fri Oct 26, 2018 9:22 am
Nope.
"Nope" as in I <can> sell these recently purchased shares?

I purchased shares on 10/05/2018 and 10/15/2018 in a few funds which have since declined further. I can sell those lots to TLH and buy a partner fund and that won't be a wash sale?
by stupidkid
Fri Oct 26, 2018 9:08 am
Forum: Personal Investments
Topic: TLH recent lots < 30 days after purchase
Replies: 14
Views: 797

Re: TLH recent lots < 30 days after purchase

This is a timely thread, I had the same question as I did not understand the "30 days before" part of a wash sale. I also recently purchased shares which now have a loss - purchased after performing a TLH transaction. If I understand the replies here - I must hold onto the recently purchased shares ...
by stupidkid
Wed Oct 24, 2018 12:40 pm
Forum: Personal Investments
Topic: TLH VWO and Roll to Total International or add on
Replies: 1
Views: 264

Re: TLH VWO and Roll to Total International or add on

I recently went through similar. I tlh'd on my three international positions: veu, vss, and vwo. I bought spdw as my tlh partner, and just sold spdw to rebalance back into my international funds. I debated eliminating my vwo holdings but for fear of not staying the course, and recognizing that I lik...
by stupidkid
Sun Oct 14, 2018 9:13 am
Forum: Personal Investments
Topic: 1% Balance Transfer - Uber Barclays Visa
Replies: 16
Views: 941

Re: 1% Balance Transfer - Uber Barclays Visa

I've done this a lot, notes of caution. If you use the card for balance transfer checks, don't use it for purchases. Your minimum monthly payment will go against the 0% balance but your purchases may still incur interest charges. Make sure to read the terms carefully. I've done balance transfers bac...
by stupidkid
Sun Oct 14, 2018 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Should we rent a car or take our low mileage 2006 Volvo on a family trip?
Replies: 49
Views: 3414

Re: Should we rent a car or take our low mileage 2006 Volvo on a family trip?

I have a few cars and will generally drive whichever is most appropriate for the road trip. But, this past summer we flew from Denver to Bozeman Montana and rented a car to do a road trip from Montana back to Colorado. We rented a premium model Toyota Camry. Note, I have status with all the rental c...
by stupidkid
Thu Oct 11, 2018 9:29 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why Emerging Markets Matter
Replies: 82
Views: 7961

Re: Larry Swedroe: Why Emerging Markets Matter

Question I've been pondering relevant to this thread - I've held a ~30% allocation to International for about 10 years (started following bogleheads about 10 years ago). My international portfolio allocation has been: 10% - VEU, All-World ex-US ETF 10% - VWO, Emerging Markets 10% - VSS, All-Wld ex-U...
by stupidkid
Thu Sep 20, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: Landscaping costs?
Replies: 15
Views: 2436

Re: Landscaping costs?

This is both a very helpful and depressing discussion. We recently hired a landscape architect to prepare plans for our very small yard, about .1 acre total plat, maybe 1000 sq ft front, same in back, and 600 sq ft side. I have attempted xeriscape design but dw would like more intentional than my ha...
by stupidkid
Fri Sep 07, 2018 11:44 pm
Forum: Personal Consumer Issues
Topic: Bose Noise Cancelling Headphones
Replies: 77
Views: 9453

Re: Bose Noise Cancelling Headphones

I bought the qc20 two years ago, they're great, never fly without them. The qc25s were on sale during prime day for $125 or so I picked up a pair as I was curious about the difference of over vs in ear. Recently took a flight and used the qc25s, I liked them. I didn't try them both during the same f...
by stupidkid
Wed Aug 15, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 11334

Re: Take auto loan 0.9% if I can afford cash?

I took a loan at 1.9%. I pay it through a credit card that nets me 1%. Math worked out well. At sub 1% the only reason not to is an aversion to debt, which is a thing
by stupidkid
Mon Aug 13, 2018 8:57 pm
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 152
Views: 22150

Re: International stocks in free fall

I was thinking about tlh today!
by stupidkid
Mon Jun 11, 2018 8:51 am
Forum: Personal Investments
Topic: Personal Advice for Retirement by 35?
Replies: 11
Views: 1875

Re: Personal Advice for Retirement by 35?

My perspective: when I was 28 I thought I would retire around 35. I had a relatively lcol, roommates, no wife and no plans in that regard, and a great savings rate. I'm now 36. Since then, major financial events happened My house caught on fire which was expensive, I met a girl, my roommates moved o...
by stupidkid
Wed May 09, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Is the Priceline 2% Visa now a 3.3% card?
Replies: 1
Views: 1012

Re: Is the Priceline 2% Visa now a 3.3% card?

Been that way for some time, there's a bonus for redeeming against Priceline purchases vs others. It's a very good card.
by stupidkid
Tue May 08, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: Rental Cars:National, Budget, Alamo or Thrifty
Replies: 33
Views: 2967

Re: Rental Cars:National, Budget, Alamo or Thrifty

I think national emerald club is typically the way to go, great service and usually quality cars which are nicer than Hertz. But it all depends on price
by stupidkid
Fri May 04, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: Colorado Auto Insurance Rates 3rd Highest in Nation
Replies: 12
Views: 1380

Re: Colorado Auto Insurance Rates 3rd Highest in Nation

I used a great broker out of Denver, I don't think you can get SafeCo directly. I was shocked by the rate difference. Plus they have a good driver discount based on plugging a monitor into your car for 90 days. If you opt in, the <least> you can get is a 5% discount, but up to 30%. We did not get 3...
by stupidkid
Fri May 04, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Colorado Auto Insurance Rates 3rd Highest in Nation
Replies: 12
Views: 1380

Re: Colorado Auto Insurance Rates 3rd Highest in Nation

I used a great broker out of Denver, I don't think you can get SafeCo directly. I was shocked by the rate difference. Plus they have a good driver discount based on plugging a monitor into your car for 90 days. If you opt in, the <least> you can get is a 5% discount, but up to 30%. We did not get 30...
by stupidkid
Fri May 04, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Colorado Auto Insurance Rates 3rd Highest in Nation
Replies: 12
Views: 1380

Re: Colorado Auto Insurance Rates 3rd Highest in Nation

I just switched to Safeco and had my auto reduced 50% and my home by 30%, both seem like reasonable amounts especially in comparison to what I paid at Allstate. $2k per year for three cars.
by stupidkid
Sun Mar 11, 2018 10:54 am
Forum: Personal Investments
Topic: 25YR old with considerable amount of cash
Replies: 48
Views: 7444

Re: 25YR old with considerable amount of cash

At your age I had a friend with very similar circumstances. His mother passed away and he inherited about the same amount. He bought a 1936 48 foot wooden sailboat with a plan to sail to Spain and start a commune. He made it as far as Bermuda, where he got a girl pregnant. His money was mostly gone ...
by stupidkid
Wed Feb 21, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: $20,000 question - Galapagos or Serengeti safari ?
Replies: 29
Views: 4476

Re: $20,000 question - Galapagos or Serengeti safari ?

I've never been to the Galapagos but I did go on Safari in Tanzania ten years ago. The trip was great, we went for a week, stayed in tents and hotels, and drove from park to park. Overall, very positive but it was a lot of time in the Jeep, a lot. Much of it over endless bumpy roads. By the fifth da...
by stupidkid
Sun Feb 11, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: officiate a marriage
Replies: 14
Views: 1424

Re: officiate a marriage

As others have said, depends on the state. I officiated my friends in Oregon, got ordained though the ulc but I don't think that was even necessary, it was just fun to do. Great experience, I really enjoyed it and tried to make it as personal for them as possible. I read a poem I thought they'd both...
by stupidkid
Fri Jan 26, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: switch Car insurance?
Replies: 12
Views: 1763

Re: switch Car insurance?

I finally switched from Allstate after watching my premiums climb significantly year after year. I contacted a well reviewed broker in my state and he got me a quote from Safeco for less than half what I was paying with higher coverage. I read the reviews on Safeco, not great service, but I don't ma...
by stupidkid
Sun Jan 14, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Favorite Deal Aggregation site?
Replies: 7
Views: 1038

Re: Favorite Deal Aggregation site?

Dansdeals and hip2save can be good as well. Deals.kinja are definitely promoted but it's an easy way to glance at potentially good sales. Thewirecutter deals page is also good for products recommended by them.
by stupidkid
Wed Dec 27, 2017 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor IRA question
Replies: 2
Views: 387

Re: Backdoor IRA question

It has less than $5.5k but in principle that makes sense, we do pay the tax but no other restriction on the conversion.
by stupidkid
Wed Dec 27, 2017 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor IRA question
Replies: 2
Views: 387

Backdoor IRA question

Hi, Background - I got married this year and my income puts us (MFJ) over any IRA contribution limits. I do a backdoor roth IRA every year at the beginning of the year. My (now) wife has a small amount in a traditional deductible IRA with a minor increase in value; she contributed last year when she...
by stupidkid
Fri Dec 22, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Accountant fees reasonable?
Replies: 39
Views: 4136

Re: Accountant fees reasonable?

I pay $1950, w2 and the usual investment forms, and a k1 which requires me to file in six states. I figure it's at least $200 of effort per state, and if I were to buy tax software I'd have to buy six states. I wonder if it's too expensive but every year one of the states decides they deserve tax on...
by stupidkid
Sat Dec 09, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: Planning A Trip to French Polynesia - (Society Islands)
Replies: 14
Views: 1295

Re: Planning A Trip to French Polynesia - (Society Islands)

We did add on New Zealand, and then Australia, made for a great honeymoon!
by stupidkid
Fri Dec 08, 2017 8:36 pm
Forum: Personal Consumer Issues
Topic: Planning A Trip to French Polynesia - (Society Islands)
Replies: 14
Views: 1295

Re: Planning A Trip to French Polynesia - (Society Islands)

Different island but same region, we just went to the cook islands and loved it. Direct overnight flight from LAX and we were on the beach by 8 am. No chain hotels, good food, beautiful beaches, and nice people.
by stupidkid
Mon Oct 30, 2017 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 147
Views: 19613

Re: New Car: Ever make sense to lease?

While leasing is rarely the fiscally prudent way to go, I have come around to "it depends". Car ownership can be a utility, in which case get the cheapest rate you can and you might consider biking everywhere; or a consumable, in which case consume what you like within reason. If you like nice cars,...
by stupidkid
Sun Oct 15, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 10870

Re: What are you driving? And would you buy your current ride again?

2001 chevy Silverado 2500hd Duramax, love the truck but I wouldn't buy a big diesel again. It's expensive to maintain and I don't tow. 2001 BMW 740i. Recent fluke purchase, it's very nice as a highway cruiser but I wish I had gotten a 540 as originally planned. 2009 BMW 135i, I love this car. Planni...
by stupidkid
Sat Oct 14, 2017 10:37 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 75267

Re: Fellow TDA bogleheads

Does this mean new purchases only would begin to charge a commission? If I keep current holdings as is my expenses don't go up, right? What about upon sale? I guess I'll go read up. This is a bummer, I do the occasional single stock trade but most assets are in vanguard ETFs across brokerage, ira, a...
by stupidkid
Mon Jul 31, 2017 8:03 am
Forum: Personal Finance (Not Investing)
Topic: WSJ: "Sapphire Reserve Cards Aren’t Very Rewarding for J.P. Morgan"
Replies: 54
Views: 8888

Re: WSJ: "Sapphire Reserve Cards Aren’t Very Rewarding for J.P. Morgan"

I have the CSR, Prestige, and the United Club card. Along with a few other annual fee cards, my credit card fees add up to over $1k per year. It's about the value received. I travel for work or other at least 20 times per year. The majority of my spend is travel, much of it reimbursable. I visit the...
by stupidkid
Mon Jul 31, 2017 7:39 am
Forum: Personal Consumer Issues
Topic: Colorado Vehicle Registration fees
Replies: 20
Views: 5145

Re: Colorado Vehicle Registration fees

Cars are cheaper to keep here then CT when I grew up but more expensive than OR where I lived before. I have a 2001 hd diesel pick up with over 200k, it's $250 a year plus $85 emissions, because it's so heavy and diesel requires annual emissions in Boulder county. My 2009 BMW costs less. But propert...
by stupidkid
Mon Jul 17, 2017 10:13 pm
Forum: Personal Consumer Issues
Topic: Having flowers delivered
Replies: 13
Views: 1474

Re: Having flowers delivered

I use bouqs often with great results. The flowers and overall arrangements are very nice and prices are reasonable.