Search found 517 matches

by PinotGris
Thu Aug 09, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting a down payment/avoiding gift tax
Replies: 27
Views: 2943

Re: Gifting a down payment/avoiding gift tax

Yes thank you, correctly stated I am not seeking to avoid the law or federal regulations. Simple asking for financial advice on how to best handle the tax claims/laws. All advice was very useful, thank you very much. First, Congratulations on being in a position whereby you are able to help your so...
by PinotGris
Fri Jul 27, 2018 6:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard vs Fidelity representatives
Replies: 15
Views: 1965

Re: Vanguard vs Fidelity representatives

I have had great experience with every one of reps, save one. They change every year unfortunately but each of them have been efficient, know my accounts and our needs, and super helpful. The one bad experience - he was quickly replaced with an excellent rep. My experience with Fidelity where my spo...
by PinotGris
Sat Jul 21, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: House foundation repair with Helical Piers - urgent request
Replies: 22
Views: 1543

Re: House foundation repair with Helical Piers - urgent request

Thank you so much for all the responses.
jabberwockOG - I have sent a copy of your post to my son.
CurlyDave - They are galvanized.
by PinotGris
Sat Jul 21, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: House foundation repair with Helical Piers - urgent request
Replies: 22
Views: 1543

Re: House foundation repair with Helical Piers - urgent request

It sounds like repairs were done, but why is house up for sale so quickly after they were done? What does your sons attorney say? I cannot fathom why you would ask an attorney about an engineering issue. To OP: The house has had a serious foundation problem that has been repaired and there is a war...
by PinotGris
Sat Jul 21, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: House foundation repair with Helical Piers - urgent request
Replies: 22
Views: 1543

Re: House foundation repair with Helical Piers - urgent request

It sounds like there were two issues: water compromising the foundation, and foundation needing to be supported better. The piers were used for ease of installation. See: https://www.piertech.com/products/helical-piers.html The water was directed away from the house. The question I would have is if...
by PinotGris
Sat Jul 21, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: House foundation repair with Helical Piers - urgent request
Replies: 22
Views: 1543

Re: House foundation repair with Helical Piers - urgent request

It sounds like repairs were done, but why is house up for sale so quickly after they were done? What does your sons attorney say? He does not have an attorney, working with a buyer's agent, whatever that means. They had bought the house in 2016. I am guessing when they decided to sell (i think they...
by PinotGris
Sat Jul 21, 2018 7:58 am
Forum: Personal Consumer Issues
Topic: House foundation repair with Helical Piers - urgent request
Replies: 22
Views: 1543

House foundation repair with Helical Piers - urgent request

My son has contracted to buy a house in Alabama. The house had some repairs done in June 2018. The copy of the engineer report the seller gave says this (paraphrased): The 2-story structure is constructed in 1960's on a crawlspace supported on CMU block walls. The brick veneer on the house has "vene...
by PinotGris
Fri Jul 20, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 17057

Re: Salary vs. Lifestyle

My husband retired when he was 72. He had 6 weeks of vacation for that length of service. When he no longer felt joy about going to work in the morning, due to changes that occurred in the company, he retired. While he worked traveled a lot, by ourselves and with kids, had a modest house and nice ca...
by PinotGris
Fri Jul 13, 2018 1:42 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 359
Views: 15000

Re: COMING SOON: BOGLEHEADS PODCASTS

Rick Ferri wrote:
Thu Jul 12, 2018 12:05 pm
What do you think about calling the podcast “Bogle’s Folly”

Comments?
Where is Bogleheads in the title?
by PinotGris
Thu Jul 05, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 6472

Re: Older Women Lifting Weights

Great thread. I have always done some weight bearing routines along with aerobics. I recently experienced knee pain and weakness in my left leg and was recommended physical therapy focused on strengthening core muscles - abdomen, buttocks, thighs and legs with weights. My left knee was significantly...
by PinotGris
Thu Jul 05, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Party for 30
Replies: 15
Views: 1745

Party for 30

My daughter is planning a surprise birthday party for my husband. We live on opposite coasts so this is going to be tricky. We are looking at the menu. She really wants to have it at home , with the kids playing outside and using our deck etc. We are retired and have not entertained such a large gro...
by PinotGris
Tue Jun 26, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7406

Re: Family dynamics/in laws/am I being petty?

So this past weekend my wife and I went out to eat with my in laws—MIL, FIL, SIL, BIL, niece and nephew. We were taking my MIL/FIL out for a combo birthday/Father’s Day meal. When the check came, my SIL took it and told us how much we owed—we ended up splitting the $300 bill in half. In years past ...
by PinotGris
Mon Jun 18, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Italy Trip Questions
Replies: 33
Views: 2017

Re: Italy Trip Questions

We are planning a trip from the U.S. to Italy next year and I would appreciate some help with these two questions: 1. Is 10 days long enough to visit Rome, Tuscany, and Florence? 2. It seems like all the flights from the U.S to Rome cost close to $2,000. However, there are often flights to London f...
by PinotGris
Sun Jun 17, 2018 7:42 pm
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 57
Views: 4804

Re: African Safari: Worth it or Hype?

Some seasoned travelers tell us that Africa was the best trip they ever took. Others have been unimpressed and are just as happy seeing animals in the zoo. Would be interested in thoughts of those who have visited Africa. Is it worth it or mostly hype? Thanks in advance. Roosevelt. We have been twi...
by PinotGris
Sat Jun 16, 2018 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: When is the June ex-dividend date for VTSAX
Replies: 29
Views: 2724

When is the June ex-dividend date for VTSAX

I looked at the site and it has not been announced yet. I have about 30K to invest and wondering if I should wait or not.
by PinotGris
Fri Jun 01, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: is Having more and needing less normal?
Replies: 113
Views: 8923

Re: is Having more and needing less normal?

BlackStrat wrote:
Fri Jun 01, 2018 7:30 am
You know you're getting old when you buy a suit and think 'this could be the one I'm buried in'!
Priceless!
by PinotGris
Wed May 30, 2018 8:52 am
Forum: Investing - Theory, News & General
Topic: General Electric
Replies: 57
Views: 6987

Re: General Electric

We own GE stocks as well. I sold some this year and generated some TLH to cover the cap gain. The cost basis for our stocks is very low so we are just holding on or may gift them to our kids and let them cash it. I am puzzled though as to why it is still up and down and hovering at the $14 mark. One...
by PinotGris
Tue May 29, 2018 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 248
Views: 30688

Re: Why pay cash for a car?

But if you can pay cash for a car and choose to buy the same car with a loan, then you are not stuck with the payment; you are making the payment, but you have the money available to pay off the loan if you want to (or make the payments if you leave your job), and be in the same situation as if you...
by PinotGris
Mon May 28, 2018 7:57 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 36858

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

I still do not understand how assuming "You will likely be in a lower tax bracket in retirement" is bad idea. If you end up being wrong, smile and be happy! What am I missing? If you know your taxes will actually rise upon retirement- mostly because of RMW- you can clean up mistakes in your portfol...
by PinotGris
Mon May 28, 2018 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 248
Views: 30688

Re: Why pay cash for a car?

RDHlooking4FIRE wrote:
Sun Nov 12, 2017 5:58 pm

Poll: do most boggleheads pay cash for cars or get low interest loans?
My guess is mostly pay cash.
by PinotGris
Mon May 28, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 248
Views: 30688

Re: Why pay cash for a car?

Many (most?) people I know feel trapped in jobs they don't like because they accumulate all these monthly financial obligations: Rent or mortgage payment. Car payments. Student loans. Credit cards. Etc. They need to match a regular paycheck up to all these bills that come every month. Financing a c...
by PinotGris
Mon May 28, 2018 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 248
Views: 30688

Re: Why pay cash for a car?

I am not arguing for any side, cash or finance the purchase. It is a personal decision based on many factors. Some of the arguments for cash however are totally false or does not make sense. Do you use credit cards? That is buying on credit but if you use it carefully and pay off balance on time you...
by PinotGris
Mon May 28, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 248
Views: 30688

Re: Why pay cash for a car?

I'm someone who avoids the loans by in large, but might take one out in limited situations. I don't like the loan on a quickly depreciating asset, and don't see it in the same light as a house. Cars are an expense, kind of like clothes etc (in my mind). [ quote fixed by admin LadyGeek] Why is payin...
by PinotGris
Sun May 27, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 248
Views: 30688

Re: Why pay cash for a car?

0% dealership loans are more expensive than paying cash (either your own check or outside loan) because they will raise the price in many different ways that you don't see unless you run the numbers each time they write something new down. Look for the final amount you pay rather than all the other...
by PinotGris
Tue May 22, 2018 6:58 pm
Forum: Investing - Theory, News & General
Topic: Predicting income from investment
Replies: 13
Views: 1076

Re: Predicting income from investment

The calculator at Firecalc gave me an idea to go to this Vanguard page:
https://personal.vanguard.com/us/funds/ ... calculator
Even plugging in 4% it seems like it was good idea.
Thank you for the help.
by PinotGris
Tue May 22, 2018 12:16 pm
Forum: Investing - Theory, News & General
Topic: Predicting income from investment
Replies: 13
Views: 1076

Predicting income from investment

We just financed our car purchase at 2.49% for 5 years. If I invest the same amount, say 40K, in VTSAX, what would be the the income from that investment at 5 years? Can one assume an 8% return on VTSAX based on past performance? Does that mean the 40K will earn 8% per year for the next 5 years, if ...
by PinotGris
Sun May 20, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 6532

Re: What’s your phone/internet bill?

$122 for Comcast landline/internet/cable - 2 year contract
$ 100 for 1000 minutes cell for each of us on T-moble, No data. We never give out this number it is mainly emergencies and urgent calls.
We use our landline a lot for everything.
by PinotGris
Fri May 18, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: Hot food flavoring (sauces, spices and peppers)
Replies: 51
Views: 3393

Re: Hot food flavoring (sauces, spices and peppers)

take 5 or 6 hot red chilies, dried. I cup coriander seed. 3 or 4 cloves of peeled fresh garlic.
Grind together in your clean coffee grinder. Save in a jar. Fragrant and yummy on anything.
by PinotGris
Fri May 18, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Hot food flavoring (sauces, spices and peppers)
Replies: 51
Views: 3393

Re: Hot food flavoring (sauces, spices and peppers)

Get some hot green chillies - thin, small ones. Make sure they are fresh, rinse and dry, and snap off the stems. Save them in a ziplock bad and place it in the freezer. when you want hot,take one or two, place it on your cutting board and chop fine. I use a pestle from my set and crush them. Sprinkl...
by PinotGris
Fri May 18, 2018 8:33 am
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 95
Views: 4940

Re: Road trip Newark NJ to Albany

Visit the FDR library in Hyde park. Very interesting time, fascinating couple. Nicely done. Eat at the Culinary Institute.
by PinotGris
Thu May 17, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: Buying a 2017 Lexus ES 350
Replies: 27
Views: 3688

Re: Buying a 2017 Lexus ES 350

So we purchased a 2018 Lexus ES350 today. We think we got a pretty good deal. We decided we wanted the basic model - which comes with almost every amenity we like in our cars, plus all the safety features, and media connections and Bluetooth. We also wanted a couple of options - the leather and wood...
by PinotGris
Wed May 02, 2018 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Is Today a good day for TLH?
Replies: 24
Views: 2144

Re: Is Today a good day for TLH?

Yay. My first TLH for the year today. Since March 26 when I had invested some large amounts of money in VTSAX I have been tracking the Dow, VTSAX, the VTI, and the difference in price between the two daily. I felt all these moved in a certain rhythm and until I got a sense of it I did nothing while ...
by PinotGris
Tue May 01, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Question on Vanguard Money Market Account Check wise
Replies: 15
Views: 1659

Re: Question on Vanguard Money Market Account Check wise

what is the reason to write checks directly from your Vanguard account? So I have a similar question as the OP. We are negotiating on a car purchase and plan to pay for it with a check for the full amount. I don't have check writing privileges with he Money market fund so will have to move the mone...
by PinotGris
Sat Apr 28, 2018 10:44 pm
Forum: Personal Consumer Issues
Topic: Did you rent car in Spain?
Replies: 18
Views: 1052

Re: Did you rent car in Spain?

We have travelled in Spain twice and each time we rented a car. We picked it up at the airport and I feel it is the best way to travel in Europe. It also gives you more freedom to get better rates in hotels away from city center. We could not find a hotel in the Ramblas in Barcelona and took the sug...
by PinotGris
Sat Apr 28, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Lexus ES 350 versus Hyundai Genesis
Replies: 22
Views: 6726

Re: Lexus ES 350 versus Hyundai Genesis

Bumping up. Owners of 2 lexus, I drive an ES330, love it. The interior is elegant, great sound quality, very reliable. The 2018 Lexus ES interior is so very disappointing. We are considering a Genesis. One reservation I have is the reliability factor that CR has rated. We will be soon testing out a ...
by PinotGris
Sat Apr 28, 2018 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: More aggressive portfolio with a pension?
Replies: 42
Views: 4019

Re: More aggressive portfolio with a pension?

We are retired. Our SS and pension covers our expenses adequately. I do not consider them as bond funds, I consider we may lose that pension. It has happened to other corporate employees - Polaroid for instance. GE is in a scary place. Even SS is not totally guaranteed, laws may change. Our AA is 60...
by PinotGris
Wed Apr 25, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Is Today a good day for TLH?
Replies: 24
Views: 2144

Re: Is Today a good day for TLH?

Quick question please, I could not find the exact answer on other discussions or missed it. Can I use VTI etf as TLH partner for VTSAX (Total Stock market ETF and MF) without invoking any problem? I have never traded in ETFs, always only MFs. Is there anything I should be mindful about? My usual go...
by PinotGris
Wed Apr 25, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Is Today a good day for TLH?
Replies: 24
Views: 2144

Re: Is Today a good day for TLH?

Quick question please, I could not find the exact answer on other discussions or missed it. Can I use VTI etf as TLH partner for VTSAX (Total Stock market ETF and MF) without invoking any problem? I have never traded in ETFs, always only MFs. Is there anything I should be mindful about? My usual go ...
by PinotGris
Tue Apr 24, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 97
Views: 12282

Re: New retirees: so whatdayathink ?

In 2000 I was 50 when I decided to get my MFA in fiction and quit my job. My husband continued to work and retired 4 years ago. Those 2+ years of school were wonderful. I published several short fiction, one got honorable mention in Pushcart Prize for Fiction, and 2 years ago I published my first no...
by PinotGris
Sat Apr 21, 2018 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: How much does tinkering hurt returns?
Replies: 16
Views: 1712

Re: How much does tinkering hurt returns?

In the same tinkering way, how does TLH and moving funds to TLH partner fund and back affect returns? If I move 50k from VTSAX to SP500 index fund, and then back again, what will I be losing? Or Gaining?
by PinotGris
Thu Apr 19, 2018 7:37 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 158
Views: 17710

Re: anyone else not liking the new cars?

We are looking to replace one of our 2 Lexus which my husband is ready to give up. I love my 2005 Lexus which also has 195k miles. We test drove a Subaru Legend today as CR raves about it. Did not like the ride, I want cushy. We will test drive a Lexus now I don’t mind the Lexus grill, it is the int...
by PinotGris
Thu Apr 19, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: Do you use Yahoo? New Privacy Terms
Replies: 32
Views: 3382

Re: Do you use Yahoo? New Privacy Terms

anoop, thank you. I am going to wait and see what happens after the dead line, and not click on the link or accept anything. I have been suspicious of yahoo for some time now because the address bar was not always secure. I also notice I use yahoo mail for mundane things. Only financial stuff I do i...
by PinotGris
Thu Apr 19, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Do you use Yahoo? New Privacy Terms
Replies: 32
Views: 3382

Re: Do you use Yahoo? New Privacy Terms

Pretty easy for me to switch email providers. I use an alias which is forwarded to what my current email provider is. Originally, it pointed to my university email address, then to hotmail, then to yahoo, and now to gmail. Any time I switch providers, I lose the ability to take my archive, but othe...
by PinotGris
Wed Apr 18, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: Do you use Yahoo? New Privacy Terms
Replies: 32
Views: 3382

Re: Do you use Yahoo? New Privacy Terms

Woodshark wrote:
Wed Apr 18, 2018 6:03 pm
I've gotten the the alert also. Seems the new company wants carte blanch to use information in our email,etc., and an agreement not to sue them.
Including email from Financial institutions. Who needs to know where I bank and hold my assets?
by PinotGris
Wed Apr 18, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: Do you use Yahoo? New Privacy Terms
Replies: 32
Views: 3382

Do you use Yahoo? New Privacy Terms

I don't know if all this is inevitable but they don't want pieces of us anymore. They want ALL of us. https://www.theverge.com/2018/4/14/17237864/oath-aol-yahoo-email-privacy-terms-scan-ads Another link: https://www.cnet.com/news/yahoo-aol-oath-privacy-policy-verizon-emails-messages/ I have not clic...
by PinotGris
Tue Apr 17, 2018 7:42 am
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 5051

Re: car at 80

I have a Lexus ES 300 10 years and 90k miles. We live be in the Boston area and it is fine. But we also don't drive very much in bad weather. Glad you posted. We are also 80 and 67. He is finally willing to trade his for a new car and we plan to get another Lexus, a new ES 350. I am also doing it fo...
by PinotGris
Fri Apr 13, 2018 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Is Today a good day for TLH?
Replies: 24
Views: 2144

Re: Is Today a good day for TLH?

I had losses but not worth the trouble. I feel an opportunity soon.
by PinotGris
Fri Apr 13, 2018 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Is Today a good day for TLH?
Replies: 24
Views: 2144

Re: Is Today a good day for TLH?

I’m a bit torn about TLH,after all the L is for Loss I think what is often ignored is you restabish your basis in some other investment. And potentially fees to get out iof the loser and into the next investment I’m not suggesting to avoid sell at a loss or to hold forever just that the loss isnt t...
by PinotGris
Fri Apr 13, 2018 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Is Today a good day for TLH?
Replies: 24
Views: 2144

Re: Is Today a good day for TLH?

RCL wrote:
Fri Apr 13, 2018 1:39 pm
I assume you mean today's, before market close price?
yes