Search found 564 matches

by blaugranamd
Sun Feb 03, 2019 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: My Understanding of IRS Safe Harbor Rules ...
Replies: 28
Views: 2470

Re: My Understanding of IRS Safe Harbor Rules ...

Piggy back question to be clear on this since I'm trying to find this answer too: The AGI used to determine the 100% vs 110% of prior years tax to withhold is the PRIOR year's AGI, ie 2017 AGI for this current tax season? For me: withheld 75% of tax liability for 2018 but withholdings were 105% of ...
by blaugranamd
Sun Feb 03, 2019 10:38 am
Forum: Personal Finance (Not Investing)
Topic: My Understanding of IRS Safe Harbor Rules ...
Replies: 28
Views: 2470

Re: My Understanding of IRS Safe Harbor Rules ...

Piggy back question to be clear on this since I'm trying to find this answer too: The AGI used to determine the 100% vs 110% of prior years tax to withhold is the PRIOR year's AGI, ie 2017 AGI for this current tax season? For me: withheld 75% of tax liability for 2018 but withholdings were 105% of m...
by blaugranamd
Sun Feb 03, 2019 10:20 am
Forum: Personal Consumer Issues
Topic: Subwoofer for music recommendations
Replies: 17
Views: 1052

Re: Subwoofer for music recommendations

Love the SVS love. My budget was around yours when I was looking for a new sub. We have the PB-1000 and it's an absolute monster for games and movies, which was our main use. Our room is 18x40x8 and it can shake nails out of the drywall 😂. I have heard great things about the SB version for music. No...
by blaugranamd
Wed Jan 23, 2019 6:28 am
Forum: Personal Consumer Issues
Topic: Is it ever worth purchasing an extended warranty for a vehicle?
Replies: 90
Views: 4875

Re: Is it ever worth purchasing an extended warranty for a vehicle?

Paying for a warranty is essentially prepaying for repairs. You are betting you'll have at least $1200 in repairs over the next 3 years. I paid like $800 for one on my Subaru a while back. Actually got the starter replaced under that warranty but it only cost about $500. So I still technically spent...
by blaugranamd
Mon Jan 21, 2019 8:37 am
Forum: Personal Investments
Topic: Military Paying down Mortgage Early
Replies: 19
Views: 1189

Re: Military Home Purchase

Yes there is sense, but it depends on what accounts you're already using to hold that $24k in retirement per year. Curious how you reached $60-70k in net equity in your home after only a a few years.

Otherwise agree with above to strongly consider renting.
by blaugranamd
Sat Jan 19, 2019 1:01 pm
Forum: Personal Consumer Issues
Topic: Gas station prices and quality
Replies: 116
Views: 10541

Re: Gas station prices and quality

lthenderson wrote:
Tue Jun 06, 2017 9:08 am
I am more concerned with finding a gas station that has non-ethanol blended gas.
Same, my motorcycle is notorious for having issues running E10. Cars tend to have an mpg bump on pure gasoline vs 10% ethanol blend that makes up for the cost difference.
by blaugranamd
Sun Dec 30, 2018 9:24 am
Forum: Personal Investments
Topic: Investing/saving for downpayment in 3 years
Replies: 15
Views: 1005

Re: Investing/saving for downpayment in 3 years

Just remember unless you are saving a very large amount for down payment, the difference between a 2.5% money market fund and a 3.5% short term bond fund or CD is going to be a couple hundred to maybe a thousand dollars over that short duration.
by blaugranamd
Tue Dec 25, 2018 1:01 pm
Forum: Personal Investments
Topic: Massive losses; what if I die [before offsetting the losses]?
Replies: 55
Views: 7045

Re: Massive losses; what if I die [before offsetting the losses]?

IIRC, the $3000/year is solely income offset. You can still use the rest to offset any capital gains for the rest of your life as well.
by blaugranamd
Sun Nov 25, 2018 7:58 pm
Forum: Investing - Theory, News & General
Topic: VTSAX vs. VTSMX [Vanguard Total Stock Admiral vs. Investor share class]
Replies: 5
Views: 778

Re: VTSAX vs. VTSMX

It means VTSAX is now your only choice! Congrats!
by blaugranamd
Thu Oct 11, 2018 5:25 am
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 102
Views: 10084

Re: When will you backup the truck on stocks

Couple of posts asking what are these cash reserves doing and case of opportunity cost. Let me put it this way as I have a different take on this. If my portfolio went up more than I expected in the last few years, which it did, then my need to take risk has reduced, therefore building up new money...
by blaugranamd
Wed Oct 10, 2018 8:13 pm
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 102
Views: 10084

Re: When will you backup the truck on stocks

This is why these dry powder type situations are not very sound: Most recent peak was in Mid/Late Sept at around $74 for VTSAX 10% drop puts you at about $66.7 If your cash has been waiting since Mar 2018 or earlier, you're likely losing money. 20% drop? Any cash waiting prior to May 2017 probably l...
by blaugranamd
Mon Oct 08, 2018 11:04 am
Forum: Investing - Theory, News & General
Topic: Biggest bubble in the history of mankind(?) Is it time to sell?
Replies: 40
Views: 3994

Re: Biggest bubble in the history of mankind(?) Is it time to sell?

Ron Paul is calling this the Biggest bubble in the history of mankind and is forecasting a 50% drop in stocks: https://www.cnbc.com/2018/10/05/ron-paul-us-barreling-towards-a-recession-and-theres-no-escape.html Even Jack Bogle suggested to sell 5 or 10% of equities at the Bogleheads conference, and...
by blaugranamd
Mon Oct 08, 2018 8:01 am
Forum: Investing - Theory, News & General
Topic: Surprised by Jack's answer to Fidelity's 0 mgmt fund threat
Replies: 77
Views: 8302

Re: Surprised by Jack's answer to Fidelity's 0 mgmt fund threat

2) When they respond, their response will optimize for the new investor. It will not benefit the existing, loyal Fidelity customer. For the existing Fidelity customer to get the benefit they must do a sale/buy in to the new fund (ie a taxable event). Not correct. They cut ERs on their existing fund...
by blaugranamd
Sat Oct 06, 2018 2:31 pm
Forum: Personal Investments
Topic: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice
Replies: 77
Views: 13200

Re: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice

... I'm not saying FDIC/NCUA insurance isn't useful/valuable. But just to consider what it's actually insuring you against: your bank failing and your money "disappearing" along with it. Money in a savings account is used by the bank itself as capital to produce interest (for the bank and you) via ...
by blaugranamd
Sat Oct 06, 2018 11:06 am
Forum: Personal Investments
Topic: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice
Replies: 77
Views: 13200

Re: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice

I think people tend to overvalue FDIC. It ensures your money if the bank/CU goes under up to a certain amount. Vanguard's federal MM vmfxx is paying over 2% now. For that fund to have a problem it would mean the US government is not paying on its securities, in which case your dollars are going to ...
by blaugranamd
Thu Oct 04, 2018 8:37 pm
Forum: Personal Investments
Topic: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice
Replies: 77
Views: 13200

Re: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice

I think people tend to overvalue FDIC. It ensures your money if the bank/CU goes under up to a certain amount. Vanguard's federal MM vmfxx is paying over 2% now. For that fund to have a problem it would mean the US government is not paying on its securities, in which case your dollars are going to b...
by blaugranamd
Thu Oct 04, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: Riding lawn mower repair help?
Replies: 8
Views: 1226

Re: Riding lawn mower repair help?

Eureka! I solved it! The clutch is the silver and black section in the middle that's spinning inappropriately (bumps the steering arms so you know it's not supposed to spin). Looked at the parts schematic for the engine/clutch and there's nothing that seems to hold it in place. But there's that smal...
by blaugranamd
Thu Oct 04, 2018 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Sold Home - 2 days after buyer claims they found an issue with A/C
Replies: 119
Views: 12191

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

Tell them no and inform your realtor that you don't want to be contacted again. The house closed, it's done. Can't stress this plan enough. Ignore them ENTIRELY and tell your realtor to have ZERO contact with them. If they are scamming you they will go away. If they are legit your realtor may accid...
by blaugranamd
Wed Oct 03, 2018 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home - 2 days after buyer claims they found an issue with A/C
Replies: 119
Views: 12191

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

We actually had the same issue happen but as buyers: bought a home, HVAC was about 18 years old, about a week after we move in it's dead. Had one company recommend replacing everything. Had a friend's dad who does HVAC look at it, found a loose fitting and no refrigerant, tightened up and refilled. ...
by blaugranamd
Sun Sep 30, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: First-time victim of credit card fraud
Replies: 48
Views: 3994

Re: First-time victim of credit card fraud

Who cares? Ive been a "victim" of credit card fraud like 5 times. Doesnt bother me one bit. Simply call the credit card company, explain the situation, they kill that card and send you a new number. Its not like you're responsible for the charges. Yes, I know they can charge you a fee...they never ...
by blaugranamd
Sat Sep 29, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: cell phone plans--google fi?
Replies: 22
Views: 2072

Re: cell phone plans--google fi?

Been on Fi for 3 years. The network is great and overseas has worked flawlessly in St. Lucia and Scotland. We had two Nexus 5x and they were crap. Two screens broke way too easily, both phones bootlooped and had to be sent in for repair. One phone the rear camera glass broke. All that in less than 2...
by blaugranamd
Fri Sep 28, 2018 5:41 am
Forum: Personal Consumer Issues
Topic: Riding lawn mower repair help?
Replies: 8
Views: 1226

Re: Riding lawn mower repair help?

Always surprised where people choose to ask questions. Lawnmower repair forum... Good places for parts are www.repairclinic.com or www.jackssmallengines.com. Both sites have diagnosis aids and / or videos. It's annoying to start a new forum and experiences on Bogleheads are varied. Hoping maybe som...
by blaugranamd
Thu Sep 27, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: Riding lawn mower repair help?
Replies: 8
Views: 1226

Re: Riding lawn mower repair help?

Which housing is spinning? A cover over the PTO clutch? Look at the housing and mounting bolts to inspect for damage. Does the part you think is spinning inappropriately look like anything seen in the diagram here (as a fairly generic example): https://www.green-parts-direct.com/john-deere-parts-di...
by blaugranamd
Wed Sep 26, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: Riding lawn mower repair help?
Replies: 8
Views: 1226

Riding lawn mower repair help?

Might be reaching but maybe there's a Boglehead on here with some experience fixing riding lawn mowers. Was mowing this evening, hit a bump and the blades stopped spinning. Made no noise when switching the electric clutch on and off. Pulled it into the garage, looked underneath and saw the two wires...
by blaugranamd
Wed Sep 26, 2018 6:13 am
Forum: Personal Consumer Issues
Topic: How and When to Tell a Prospective New Employer about a Needed Disability Accommodation
Replies: 14
Views: 1652

Re: How and When to Tell a Prospective New Employer about a Needed Disability Accommodation

Standing desk is no big deal these days. Many are $300 units that stand on a regular desk. I'd wait for the offer. This, as well as the others. A standing desk is the fad thing too in a lot of workplaces so they're not unusual. We have dozens of them at my gov job. Varidesks are a few hundred $. As...
by blaugranamd
Tue Sep 25, 2018 5:42 am
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 6567

Re: Oil change interval for low-mileage vehicles

Given the choice of following the instructions of the highly trained team of engineers that built your car, or the wrench monkey at your local garage, always go with the engineers. I change the oil in my famly's cars (full synthetic) every spring when the weather turns nice. ... And company who is ...
by blaugranamd
Mon Sep 24, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 26202

Re: What is your single most expensive mistake?

Only applying to 3 medical schools. Ended up getting accepted too late to get a 4 year military scholarship and had to settle for a 3 year scholarship. Cost me about $32k
by blaugranamd
Mon Sep 24, 2018 5:59 am
Forum: Personal Consumer Issues
Topic: Ventilated car seats?
Replies: 61
Views: 4465

Re: Ventilated car seats?

Rented a car in Hawaii that had ventilated black leather seats. It was very nice especially with the top down.
by blaugranamd
Sat Sep 22, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: Another job interview ‘skip the tie’ question
Replies: 29
Views: 2144

Re: Another job interview ‘skip the tie’ question

Show up naked. Conveys unbridled confidence and new age open-mindedness. Both essential qualities in marketing in our current culture.

:sharebeer
by blaugranamd
Thu Sep 06, 2018 6:23 am
Forum: Personal Consumer Issues
Topic: New Bike Suggestion
Replies: 40
Views: 3179

Re: New Bike Suggestion

Lots of good advice here. IMO, if this is going to be your first "real" bike purchase, I would buy new from a good local bike shop. You won't notice the difference as a novice between a Tiagra or 105 drivetrain or at least it won't matter as much as getting a comfortable, fitted bike. Here's why: yo...
by blaugranamd
Fri Aug 24, 2018 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: My son is 1 years old now I want to save money for him Help me with some options on where to save
Replies: 15
Views: 1474

Re: My son is 1 years old now I want to save money for him Help me with some options on where to save

If you're worried about use for non-school, just put it in your own taxable account. Spend on whatever you like.
by blaugranamd
Thu Aug 16, 2018 5:42 am
Forum: Personal Investments
Topic: Should I Max Out Tax-Deferred Accounts?
Replies: 28
Views: 2417

Re: Should I Max Out Tax-Deferred Accounts?

If you're in the 35% tax bracket that means current income is $400-600k assuming MFJ. A $2.5M portfolio will provide about $100k/year at 4% withdrawal rate. Are you sure you are going to be able to cut your income needs by 75+%? Especially if you are asking about whether $60k tax advantaged should b...
by blaugranamd
Mon Aug 13, 2018 12:01 pm
Forum: Personal Investments
Topic: ESOP - Diversification options
Replies: 11
Views: 766

Re: ESOP - Diversification options

I would do the full 50% without the slightest hesitation. It isn’t about “performance”, it is about RISK . Right now you two have horribly concentrated risk. Two thirds of your retirement portfolio and both of your jobs are dependent on one company. There were hundreds of Worldcom employees who wer...
by blaugranamd
Sun Aug 12, 2018 7:37 am
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 240
Views: 22399

Re: "Don't Obsess About Expense Ratios"

Excessive means more than necessary. The ER is more than necessary for the potential VTSMX investor when that investor can go to Schwab or Fidelity, pay less, and be invested with $1 (at Fidelity). The only argument for someone to be out of the market until that person accumulates $3,000, have to p...
by blaugranamd
Sun Aug 12, 2018 7:31 am
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 240
Views: 22399

Re: "Don't Obsess About Expense Ratios"

I am unsure why Fidelity just did not cut the expense ratio's to their existing index funds. Now anyone with capital gains may not be able to invest in the new offerings. I would assume it has to do with their internal index saving some $ potentially. They did drop their existing funds to essential...
by blaugranamd
Sat Aug 11, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced Rum?
Replies: 48
Views: 4645

Re: What is your favorite reasonably priced Rum?

I sampled some Flor de Caña dark rum My kind of thread..... :) "Everyday" rums - Flor de Cana 5 year old "Special Day" rums - Flor de Cana 25 I'm a big fan of Flor de Caña, but for some reason it doesn't like me. Even a single shot always gives me a headache the next morning. Flor de Caña. But, onl...
by blaugranamd
Mon Aug 06, 2018 5:17 pm
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 240
Views: 22399

Re: "Don't Obsess About Expense Ratios"

Or is that a form of brand loyalty/anchoring bias that behavioral economics has shown makes people more willing to shell out $ unnecessarily? Not saying everyone should dump their current funds immediately but don't just say stuck with Vanguard just cause...
by blaugranamd
Sun Aug 05, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Do you think I am being too conservative on buying a house?
Replies: 46
Views: 4007

Re: Do you think I am being too conservative on buying a house?

I'll add my $0.02 that extra mortgage payments probably aren't the best use of your funds.

As far as home cost, i'll just say that I firmly believe that one of the biggest drivers for my family's current excellent financial position is owning an inexpensive home. YMMV.
by blaugranamd
Sat Aug 04, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: UK vacation help
Replies: 15
Views: 860

UK vacation help

Howdy all! Wife and I are planning a fairly short notice trip to the UK in about 5 weeks. Debating between doing Ireland, Scotland or both. We have 9 days, 2 of which will be travel days so really 7 total days to spend. My inclination with that short of a timeframe is pick one country to avoid wasti...
by blaugranamd
Sat Aug 04, 2018 8:08 am
Forum: Investing - Theory, News & General
Topic: If everybody indexed, the only word you could use is chaos, catastrophe
Replies: 107
Views: 17168

Re: John Bogle warning

There was recently another thread on this topic: https://www.bogleheads.org/forum/viewtopic.php?t=218396 I am certainly not an expert on how the stock market actually functions, but it seems to me the problem would be self-correcting. People are moving to index funds now because there are more arti...
by blaugranamd
Wed Aug 01, 2018 7:22 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 798
Views: 82504

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

For those willing to swap funds for 4 no less in ER, what do you think about VG TSM (VTSAX) YTD yield of 6.74% compared to Fido TSM (FSTVX) at 6.69%? That 5 bp difference in yield covers the ER difference. 10 year differences of 10.78 vs 10.71% is a 7 bp difference, respectively so probably even co...
by blaugranamd
Wed Aug 01, 2018 7:01 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 798
Views: 82504

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

For those willing to swap funds for 4 no less in ER, what do you think about VG TSM (VTSAX) YTD yield of 6.74% compared to Fido TSM (FSTVX) at 6.69%? That 5 bp difference in yield covers the ER difference. 10 year differences of 10.78 vs 10.71% is a 7 bp difference, respectively so probably even cov...
by blaugranamd
Tue Jul 31, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: Best BBQ in San Antonio
Replies: 43
Views: 3376

Re: Best BBQ in San Antonio

Augie's Barbed Wire Smokehouse
by blaugranamd
Thu Jul 26, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 10629

Re: Toughest Purchase of my Life. Engagement Ring time

Take her to a jewelry store for a date and see what she likes. So glad my wife liked the $1000 ring.
by blaugranamd
Thu Jul 26, 2018 6:08 am
Forum: Personal Investments
Topic: Taxable investing and moving to 3 fund portfolio
Replies: 8
Views: 1063

Re: Taxable investing and moving to 3 fund portfolio

Those would be good options. Could also consider holding international equities in taxable for foreign tax credit. Look into it more before deciding. Otherwise shift to the portfolio you want now rather than waiting.
by blaugranamd
Tue Jul 24, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Ashley furniture experience? 2000 dollars for 13x8x8 sectional
Replies: 40
Views: 4363

Re: Ashley furniture experience? 2000 dollars for 13x8x8 sectional

Bought a blended leather couch and loveseat for about $800 maybe 6 or 7 years ago. They have slip covers on now because the "Durablend" is all kinds of flaking apart. Admittedly it's partly our dogs fault but all she did was sleep on it. Disappointed. How long did you get out of it before it starte...
by blaugranamd
Sun Jul 22, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead plumbers? Need help.
Replies: 16
Views: 1835

Re: Any Boglehead plumbers? Need help.

I thought these kinda things just happened to me... No. I ALWAYS find a way to take a simple project and make it inexplicably harder. This project for example: attach hose, open valve, close valve, detach hose. Unscrew old rod, screw in new rod. Done. Somehow new rod falls into tank, impossible to ...
by blaugranamd
Sun Jul 22, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead plumbers? Need help.
Replies: 16
Views: 1835

Re: Any Boglehead plumbers? Need help.

I'm not sure what flushing the tank and a new anode rod is going to due to quiet the heating of the tank... If the heating element is making a lot of noise, then that should probably be replaced or serviced. Ig you are selling in a year, then a new hot water heater might help, even if just a basic ...
by blaugranamd
Sun Jul 22, 2018 8:35 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead plumbers? Need help.
Replies: 16
Views: 1835

Re: Any Boglehead plumbers? Need help.

Sorry, but I had to laugh at your post! Reminds me of when the heating element on my water heater failed, and I thought to myself "how hard can it be to replace that?". I looked up the part on-line, drove to home depot, and proceeded to shutoff the water valve above the heater. But the valve was br...
by blaugranamd
Sun Jul 22, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead plumbers? Need help.
Replies: 16
Views: 1835

Re: Any Boglehead plumbers? Need help.

I wouldn't worry about the anode rod in the tank, but I think you need to buy another one because the anode is supposed to be electrically connected with the tank a certain way and I don't think the one you dropped in there will be effective. But I generally consider tank-type water heaters have a ...