Search found 74 matches

by Typ997S
Wed Aug 28, 2019 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Friend has cancer. What should be the next steps?
Replies: 65
Views: 5228

Re: Friend has cancer. What should be the next steps?

I realize that this thread is mostly focused on the financial aspect of your friend's situation, but I would also stress the importance of having your friend examined at a Major/Specialty Cancer Hospital, if they have not been already. Often times, in my experience with loved ones, the cancer specia...
by Typ997S
Tue Aug 20, 2019 12:46 pm
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 138
Views: 11357

Re: Aliens have captured my husband [wants to buy a Porsche]

Hard core Porsche guy here...a lot has already been said (3 pages!) in this thread but I'll add: 1) In general, Porsches are very rugged cars and will last a long time. I don't have any direct experience with a Panamera. 2) Cost to maintain can be on the high side, but your biggest cost is going to ...
by Typ997S
Wed Jul 10, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: Visiting Buffalo,NY / Niagara Falls area - things to see and do?
Replies: 46
Views: 2808

Re: Visiting Buffalo,NY / Niagara Falls area - things to see and do?

Yes! And definitely go somewhere that has "Beef on Weck" - a local food favorite. Agree. A good beef on weck is fabulous. I didn't think about going over to the Finger Lakes from Buffalo. We stayed in Geneva a couple of years ago and went to some wineries around Keuka Lake and Seneca Lake. Had a gr...
by Typ997S
Fri May 31, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: Blinds for Windows - Where is the best value ?
Replies: 30
Views: 2595

Re: Blinds for Windows - Where is the best value ?

There was an older BH thread that mentioned that ordering through Costco provided the best pricing. I found this to be true when I bought some Bali blinds a few months ago.
by Typ997S
Mon May 20, 2019 6:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard ETFs, ranked by diversification benefit
Replies: 66
Views: 5276

Re: Vanguard ETFs, ranked by diversification benefit

To the OP: Thanks for this post...very interesting. Could you elaborate on why you state adding 10% small value is helpful when your numbers show 1.02 for all the Vanguard Small Cap funds? I understand Utilities when the factor is 1.3, but not small cap at 1.02. I'm a very interested observer since ...
by Typ997S
Mon May 20, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: If you liked “They Shall Not Grow Old” - “Cold Blue” coming May 23
Replies: 13
Views: 2048

Re: If you liked “They Shall Not Grow Old” - “Cold Blue” coming May 23

I am not one to go to a movie normally, so I have no experience finding tickets for this event. I have searched the local theaters to no avail. The Vulcan Productions site does not list affiliated theaters. Is it maybe only at AMC Theaters? I do see it listed there, but they are only in Seattle and...
by Typ997S
Sun May 19, 2019 6:50 pm
Forum: Personal Consumer Issues
Topic: If you liked “They Shall Not Grow Old” - “Cold Blue” coming May 23
Replies: 13
Views: 2048

Re: If you liked “They Shall Not Grow Old” - “Cold Blue” coming May 23

Thank you for the tip! I might have otherwise missed this. Just booked tickets for myself and my (airplane/military buff) son.
by Typ997S
Wed May 01, 2019 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: My solar investment experience
Replies: 100
Views: 9987

Re: My solar investment experience

Solar only makes sense with generous subsidies and super high electric rates. Come, join the 21st century, where we will move away from fossil fuels. It won't happen overnight, and it won't always be easy, but it's where we have to head. I offer the following quote: "Solar energy has already reache...
by Typ997S
Wed May 01, 2019 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: My solar investment experience
Replies: 100
Views: 9987

Re: My solar investment experience

Ok, I'll throw my numbers into the mix for fun. As others have mentioned, whether or not solar makes sense depends on many factors, including the magnitude of your electricity usage, the cost of electricity where you live, a climate favorable to solar, and your state/local tax and incentive situatio...
by Typ997S
Wed May 01, 2019 12:21 am
Forum: Personal Consumer Issues
Topic: Best electric cordless lawn mower for medium sized yard?
Replies: 40
Views: 2919

Re: Best electric cordless lawn mower for medium sized yard?

Do the research. I just sat through a long research report on this yesterday. Electrics have very poor long term durability. Battery replacement costs are very high as the cheapest are $100 and most are as much as $300 and will not last more than 3 years. First year performance on units is very goo...
by Typ997S
Mon Apr 29, 2019 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: How much is a good insurance agent worth to you?
Replies: 20
Views: 1394

Re: How much is a good insurance agent worth to you?

I've had an outstanding agent (for auto/home/umbrella; no life or other insurance), who I lucked into 30+ years ago. There have been numerous times he's given me great advice, particularly now that I have teen drivers in the house. I really appreciate having someone to talk things over with about in...
by Typ997S
Tue Apr 16, 2019 6:17 pm
Forum: Personal Consumer Issues
Topic: Best and cheapest way to finance a new car: dealership?
Replies: 23
Views: 2050

Re: Best and cheapest way to finance a new car: dealership?

2.9% sounds pretty good...my Credit Union, which has always been very competitive, is at 3.45% for 7 yr term right now. I am in California. Looks like PenFed, usually another good source is at 3.74% for 60 months.
by Typ997S
Wed Apr 10, 2019 3:31 pm
Forum: Personal Consumer Issues
Topic: Contact lens solution
Replies: 20
Views: 1364

Re: Contact lens solution

I've had very good luck with the Hydrogen Peroxide/Catalyst systems, e.g. ClearCare. I've found that the store brands/generics work just as well as the name brand. Just remember that you can't put the solution directly in your eye, or use it on a lens and then put it in your eye without having "cata...
by Typ997S
Fri Mar 29, 2019 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Anybody else get a huge tax increase due to SALT deduction changes?
Replies: 101
Views: 7915

Re: Anybody else get a huge tax increase due to SALT deduction changes?

986racer wrote:
Fri Mar 29, 2019 5:11 am
I’m surprised you werent hit by AMT last year. For those who had AMT, generally the tax change is a net win since SALT wasn’t deductible under AMT
^This. For me, the AMT reduction and lower marginal rates resulted in a (small) reduction.

...and I approve of the user name!
by Typ997S
Thu Mar 28, 2019 2:40 pm
Forum: Investing - Theory, News & General
Topic: Why has the S&P500 gone up so much since 2009?
Replies: 37
Views: 4572

Re: Why has the S&P500 gone up so much since 2009?

To paraphrase James Carville, “The Economy, Stupid.”

I also agree with those that answered the Fed.
by Typ997S
Fri Mar 15, 2019 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: How to get rid of a car
Replies: 48
Views: 4020

Re: How to get rid of a car

To give you a data point, I had a 2007 Odyssey with about 130,000 miles that I got rid of about a year ago. CarMax gave me $4000.00 for it, which I was satisfied with. I might have gotten a little more in a private party sale, but, like you, the car had several issues that I didn't want to saddle so...
by Typ997S
Fri Feb 22, 2019 12:50 am
Forum: Personal Finance (Not Investing)
Topic: How to finance car purchase for teen
Replies: 60
Views: 3034

Re: How to finance car purchase for teen

1) It's quite likely your kid is going to get in an accident. I am confused because the kids of friends and family must Be exceptional because there was one fender bender among 20 plus kids. Well, here's what the CDC (https://www.cdc.gov/motorvehiclesafety/teen_drivers/teendrivers_factsheet.html) h...
by Typ997S
Thu Feb 21, 2019 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: How to finance car purchase for teen
Replies: 60
Views: 3034

Re: How to finance car purchase for teen

So, I know you don't want to hear about used cars, and probably do want to hear about safety, but let me give you some real world experience. :oops: This was a 2011 Honda Civic: https://i.imgur.com/mdn2VSr.jpg?1 My 20 year old son fell asleep at the wheel and crashed into a light post at about 40 mp...
by Typ997S
Thu Feb 21, 2019 8:05 pm
Forum: Personal Investments
Topic: Super Lazy portfolio, just VSMGX? [Vanguard LifeStrategy Moderate Growth]
Replies: 30
Views: 5374

Re: Super Lazy portfolio, just VSMGX? [Vanguard LifeStrategy Moderate Growth]

I keep seeing "it is bad for taxable" and understand the argument, but exactly how bad is bad? How much drag would it actually produce? I'll take a shot (with numbers I've arbitrarily picked...folks can use their own.) Let's assume $100,000 invested, and the 40% of the fund that is fixed income yie...
by Typ997S
Mon Feb 18, 2019 5:38 pm
Forum: Personal Investments
Topic: Breaking BND up for tax efficiency
Replies: 8
Views: 790

Re: Breaking BND up for tax efficiency

Sounds like a fine idea. The only alternative I would suggest, which you may have though of, or may not apply to your circumstance, would be to increase your Bond holdings in you tax advantaged account(s) and correspondingly lower them in your taxable accounts.
by Typ997S
Mon Feb 11, 2019 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 35392

Re: Smaller tax refunds this year? Clear explanation please

There is no one-size-fits-all explanation. Some people WILL pay higher taxes this year. Most people will pay less in taxes. The size of their refund is irrelevant. If one didn't change their W-4 this year, they are probably more likely to have received a bit more in every paycheck and a smaller ref...
by Typ997S
Sun Feb 10, 2019 10:45 pm
Forum: Personal Consumer Issues
Topic: Can solar be worth it??
Replies: 78
Views: 8606

Re: Can solar be worth it??

As others have pointed out, the answer to solar being worth it can be "yes," but as with everything in life, it depends. You have to live somewhere where electricity is somewhat, to very expensive, and you have to use a fair amount, for it to be worthwhile. It helps if you live somewhere sunny too a...
by Typ997S
Sat Feb 09, 2019 3:43 pm
Forum: Investing - Theory, News & General
Topic: Emerging markets as a percent of international
Replies: 37
Views: 3406

Re: Emerging markets as a percent of international

I'm at 33% of International in EM myself, and since I'm 30% of my Equity in International, and 75% of my portfolio is in Equity, I'm at 7% of my overall portfolio in EM. This is an allocation percentage I set a long time ago, and I've stuck to it. The reason for the overweight (vs. market cap) to EM...
by Typ997S
Thu Jan 17, 2019 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house in the Bay area or give up?
Replies: 94
Views: 8644

Re: Should I buy a house in the Bay area or give up?

whodidntante wrote:
Thu Jan 17, 2019 6:10 pm
If I were single and making 200k in the Bay Area, I would probably live in a van down by the river.
Or in an RV along El Camino Real in Palo Alto. There's hundreds of 'em. I wish I were kidding.
by Typ997S
Thu Jan 17, 2019 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house in the Bay area or give up?
Replies: 94
Views: 8644

Re: Should I buy a house in the Bay area or give up?

I don't think you will find anything reasonable at 800k, unless you go for a long (1h) commute. 1-1.2 million yes but it will be a townhouse with HOA to pay. Was thinking to buy a 2 bed, 2 bath two year old townhouse/condo in South San Jose It's not an automatic no but if you aren't sure you want t...
by Typ997S
Thu Jan 17, 2019 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house in the Bay area or give up?
Replies: 94
Views: 8644

Re: Should I buy a house in the Bay area or give up?

I'm going to jump in with the folks that say wait...here's why: 1) I've been involved (read: owned a house) in the Bay Area Real Estate market for close to 30 years. I've seen prices decline, pretty significantly for a least two periods, each lasting 5 years or more. You can't guarantee that buying ...
by Typ997S
Wed Jan 16, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: End of an era - Boeing 727
Replies: 35
Views: 2623

Re: End of an era - Boeing 727

I live on the flight path of CVG/Cincinnati Airport. We are right at the edge of the 5 mile restriction zone. We mostly get arrivals, but occasionally departures as well. When we first moved in in the late 90’s, we would get the occasional 727 taking off. Loud as hell, left a big smoke trail behind...
by Typ997S
Tue Jan 15, 2019 4:07 pm
Forum: Personal Consumer Issues
Topic: Large SUV
Replies: 75
Views: 7064

Re: Large SUV

Have a look at the Buick Enclave/Chevrolet Traverse twins. They both a feature a third row that an adult can actually sit in, which isn't the case for most uni-body three row SUVs. The current build quality of GM products might surprise you. After wearing out two Odysseys, and with mostly grown kid...
by Typ997S
Mon Jan 14, 2019 3:57 pm
Forum: Personal Consumer Issues
Topic: Bogleheads-type forum for Genealogy Research?
Replies: 11
Views: 1077

Re: Bogleheads-type forum for Genealogy Research?

familysearch.org, run by the Church of Jesus Christ of Latter Day Saints (aka the Mormons), is an incredibly powerful site, for both researching and building your family tree. The price is very Boglehead friendly: free!
by Typ997S
Sat Jan 12, 2019 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: How Long Should I Keep Financial Records of Deceased Relatives
Replies: 20
Views: 1578

Re: How Long Should I Keep Financial Records of Deceased Relatives

I waited 5 years on my Mom’s relatively simple (2 heirs, uncontested, no surviving spouse) estate. Nothing magic about 5, but it seemed about right.
by Typ997S
Fri Jan 11, 2019 6:17 pm
Forum: Personal Investments
Topic: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?
Replies: 128
Views: 14102

Re: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?

This isn't really new news...Vanguard wrote a white paper a few years ago suggesting that 40% was a good target for international equities, but stated that it impossible to say a priori what the optimum percentage is. Since then, there's been hundreds, if not thousands of posts here debating the be...
by Typ997S
Fri Jan 11, 2019 5:49 pm
Forum: Personal Investments
Topic: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?
Replies: 128
Views: 14102

Re: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?

This isn't really new news...Vanguard wrote a white paper a few years ago suggesting that 40% was a good target for international equities, but stated that it impossible to say a priori what the optimum percentage is. Since then, there's been hundreds, if not thousands of posts here debating the bes...
by Typ997S
Fri Jan 11, 2019 2:21 pm
Forum: Personal Consumer Issues
Topic: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?
Replies: 82
Views: 6249

Re: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?

I haven't read every response to this thread, but I'm going to respond anyway since I have 3 kids (10,7,5)... You have the means to purchase any reasonably priced vehicle that you want. I definitely understand the desire for ER, but sometimes it makes sense to spend a few bucks for comfort and conv...
by Typ997S
Fri Jan 11, 2019 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Car / Umbrella and teen driver (California)
Replies: 14
Views: 749

Re: Car / Umbrella and teen driver (California)

CA Resident here. Make sure you daughter gets added to your policy before she ever takes the wheel to practice, even in a parking lot. A few weeks ago my daughter hit a pole during her first "familiarization" drive in a parking lot. :oops: Happily, I had called my agent and had her added beforehand....
by Typ997S
Mon Jan 07, 2019 5:27 pm
Forum: Personal Consumer Issues
Topic: Large SUV
Replies: 75
Views: 7064

Re: Large SUV

Have a look at the Buick Enclave/Chevrolet Traverse twins. They both a feature a third row that an adult can actually sit in, which isn't the case for most uni-body three row SUVs. The current build quality of GM products might surprise you. After wearing out two Odysseys, and with mostly grown kids...
by Typ997S
Tue Dec 18, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Worx 20v battery leaf blower
Replies: 12
Views: 1113

Re: Worx 20v battery leaf blower

daytona084 wrote:
Mon Dec 17, 2018 9:02 pm
The EGO 56V (530 CFM) blower is awesome! Very happy with it.
Ditto...very happy with my Ego 56V Blower and Mower.
by Typ997S
Wed Dec 12, 2018 7:50 pm
Forum: Personal Investments
Topic: Any way to display the old design on the Vanguard website?
Replies: 16
Views: 1502

Re: Any way to display the old design on the Vanguard website?

I don't have a solution, but I have the same problem, the site seems to jump back and forth between the new and the old design multiple times in a given login session...pretty annoying...
by Typ997S
Tue Dec 11, 2018 8:16 pm
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 249
Views: 22792

Re: What Happened to you during the Financial crisis of 2007–2008

My wife and I got very lucky. At the end of August of 2008, we put in an offer on a "move-up" house. The offer was accepted, with a closing date of late October (cue foreshadowing music.) Without thinking much I about it, I decided to move all of our investments to cash in early September, just to g...
by Typ997S
Tue Dec 11, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: Buy Lexus CPO now or wait until end of Dec.?
Replies: 23
Views: 1806

Re: Buy Lexus CPO now or wait until end of Dec.?

I'll throw in a few semi-random facts, that may or may not help... 1) I haven't done any detailed research, but the trade-in for your CR-V seems like it's pretty fair. I base this on the apples-to-oranges comparison of my 2007 Honda Odyssey with similar mileage (more valuable new) which I sold to Ca...
by Typ997S
Tue Dec 11, 2018 7:22 pm
Forum: Personal Investments
Topic: Non-Qualified Deferred Compensation (NQDC) Distribution Election
Replies: 20
Views: 1230

Re: Non-Qualified Deferred Compensation (NQDC) Distribution Election

There are some tax considerations to be taken into account as well. From what I remember when I signed up for my Non-qualified benefits, there is a federal tax advantage if you take the distribution over 5 years or more. Also, taking the distribution over 11 years or more exempts you from state "sou...
by Typ997S
Fri Dec 07, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: California 8 days road trip LA-SFO
Replies: 40
Views: 2437

Re: California 8 days road trip LA-SFO

Most of everything from Leo Carrillo beach (near LA/Ventura county line) to San José is either a relaxing coastal B&B with obscure wine recommendations, or farmland. Some items of note: Guiseppe's in Pismo Beach is good pizza and gelato. There's also a park, Dinosaur Caves, nearby. This is a freque...
by Typ997S
Fri Dec 07, 2018 12:48 am
Forum: Investing - Theory, News & General
Topic: We Are Teetering on the Edge of A DEATH CROSS
Replies: 50
Views: 9152

We Are Teetering on the Edge of A DEATH CROSS

OK, everyone I know the (maybe) Inverted Yield Curve is bad enough, but now I give you this piece of news from the technical analysts: "S&P 500 teeters on edge of a 'death cross,' and one key level could determine its next move" https://www.cnbc.com/2018/12/06/sp-500-teeters-on-edge-of-a-death-cross...
by Typ997S
Thu Dec 06, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: California 8 days road trip LA-SFO
Replies: 40
Views: 2437

Re: California 8 days road trip LA-SFO

Ha - yes, I almost mentioned the move of the Exploratorium, but I figured since it was about 5 years ago, I was safe! Anybody using an old guidebook or paper map (anybody still using those?) might be in for an unpleasant surprise, as the new location at Pier 15 is nowhere near it's old location at t...
by Typ997S
Thu Dec 06, 2018 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 375
Views: 24160

Re: What are others paying for property taxes around the US?

HEDGEFUNDIE wrote:
Thu Dec 06, 2018 5:03 pm
Typ997S wrote:
Thu Dec 06, 2018 4:34 pm
$24K on 4100 ft2 in Northern California. Do I get a prize for being highest so far? I just paid my first installment of property tax, so I could use some cash...
Nope I win:

$22k for 1650 sqft house on 5600 sqft lot in Bay Area
Lemme guess...Palo Alto or Northward on the Peninsula?
by Typ997S
Thu Dec 06, 2018 4:49 pm
Forum: Personal Consumer Issues
Topic: California 8 days road trip LA-SFO
Replies: 40
Views: 2437

Re: California 8 days road trip LA-SFO

The great idea of Ano Nuevo (reservations mandatory) reminded me that I should say something about the weather. The winter-time on the Northern California coast can be the best time of the year in terms of sunshine, as the summertime fog is usually not present. That presumes however, that it's not r...
by Typ997S
Thu Dec 06, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 375
Views: 24160

Re: What are others paying for property taxes around the US?

$24K on 4100 ft2 in Northern California. Do I get a prize for being highest so far? I just paid my first installment of property tax, so I could use some cash...
by Typ997S
Thu Dec 06, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: California 8 days road trip LA-SFO
Replies: 40
Views: 2437

Re: California 8 days road trip LA-SFO

Great suggestions by all, and I'll add that given your kids age, I would say that the Exploratorium is probably going to be their favorite thing to do in SF. I've been there many times with my kids, and we always enjoy it. My one tip would be to not plan to eat at the Exploratorium itself, as there ...
by Typ997S
Fri Nov 30, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: moving an expensive car across several states
Replies: 9
Views: 660

Re: moving an expensive car across several states

Intercity Lines. I used them to move a vintage Porsche cross country. They are well thought of in the collector car community. Not going to be the cheapest option, but you get what you pay for! Good luck.
by Typ997S
Fri Nov 30, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Federal employees - Delta Dental insurance
Replies: 11
Views: 1168

Re: Federal employees - Delta Dental insurance

It wasn't through a federal employer, but I (and my family) had Delta Dental for 25+ years through my Megacorp. Always very happy with them, but definitely check coverage maximums, because (ask me how I know) things like implants are very expensive. :oops: :moneybag
by Typ997S
Thu Nov 29, 2018 2:33 pm
Forum: Personal Investments
Topic: 401k contributions beyond $18,500 limit (how-to?)
Replies: 7
Views: 792

Re: 401k contributions beyond $18,500 limit (how-to?)

There is such a thing as a "Non-Qualified Plan" that allows contributions above the annual limit, and also get around the "highly compensated" employee rules that can limit contributions as well. Some companies, including my Megacorp, offer them. There are some catches however...I would Google the s...