Search found 90 matches

by CorradoJr
Mon Nov 19, 2018 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Transfer Rollover IRAs now for Backdoor next year?
Replies: 2
Views: 92

Transfer Rollover IRAs now for Backdoor next year?

My wife and I both have Rollover IRAs from previous jobs as well as our Roth IRAs. Next year, assuming all stays the same, we will finally be in the position to not be allowed to contribute directly to a Roth IRA as our incomes will exceed the threshold. From my initial reading on how to a backdoor ...
by CorradoJr
Sun Oct 14, 2018 11:55 am
Forum: Investing - Help with Personal Investments
Topic: [How much should I contribute to my 401k?]
Replies: 8
Views: 638

Re: [How much should I contribute to my 401k?]

Since then, with every annual increase, I increase my 401k contribution. I now hit the IRS limit months early and enjoy many months of "additional" income. I am taking advantage of some of that to address a small needed increase to my emergency fund (recent trip to vet suggested my critter needs gr...
by CorradoJr
Sun Oct 14, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: What’s your Value Colombian coffee?
Replies: 53
Views: 3695

Re: What’s your Value Colombian coffee?

If you're in a Walmart, pick up a package of their Colombian coffee just for fun. It's inexpensive and I remember enjoying it when I purchased some about a year ago. I believe it only comes ground. Walmart Columbian is my go-to cheap Columbian coffee. Top rated a few years ago by Consumer’s Reports...
by CorradoJr
Sun Oct 14, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Boglehead's Car Talk
Replies: 35
Views: 3425

Re: Boglehead's Car Talk

Almost every manufacturer has some sort of automomous tech nowadays - and some are more feature laden than others: Cadillac Super Cruise Audi Traffic Jam Pilot Nissan/Infinity Pro-Pilot Volvo Pilot Assist Toyota Triple Safety Sense, etc. I would buy the car thet works for your situation first (sedan...
by CorradoJr
Thu Sep 20, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3624

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

Keep it, but don’t buy any of the bs warranties or maintanence packages. Find a good Bmw Indy mechanic. Enjoy your ultimate driving machine. Also, car max is wholesale price. $27k for a 16 328i with such low mileage seems reasonable especially if you have packages on it. Wow! Everyone is so fixated...
by CorradoJr
Tue Sep 18, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5533

Re: State Farm nickel-and-diming me

Why are you getting involved? Your insurance company works with State Farm and tells them to fix it. I’ve had this problem severaltimes (all no-fault accidents involving the other party’s insurance) and after a few phone calls it gets resolved. No, my insurance company is not involved. We filed no ...
by CorradoJr
Tue Sep 18, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5533

Re: State Farm nickel-and-diming me

Why are you getting involved? Your insurance company works with State Farm and tells them to fix it. I’ve had this problem several times (all no-fault accidents involving the other party’s insurance) and after a few phone calls it gets resolved. If you did not report this to your insurance company o...
by CorradoJr
Mon Jun 11, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: A Simple new car lease formula?
Replies: 14
Views: 1682

Re: A Simple new car lease formula?

BMW’s lease great. Currently leasing a 3-series and opted for European Delivery (7% off MSRP), picked up from the BMW Welt (factory) in Munich. For comparison on my car - MSRP $49.7k 36 month,15k residual value was 59% Money factor was 0.00081 – money factor (includes multiple security deposits) $49...
by CorradoJr
Wed May 16, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: Rent Car before Buying
Replies: 19
Views: 1445

Re: Rent Car before Buying

Read reviews and look or feedback about common problem areas. I’ve never understood people buying relatively lower end cars, then regretting stuff like an uncomfortable seat. It is a cheaper car for a reason and after the lustre wears off you see things in a new light (ie seat comfort after a 6 hour...
by CorradoJr
Sat May 05, 2018 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Inlaws are 100% in a single stock - help diversify
Replies: 21
Views: 2839

Re: Inlaws are 100% in a single stock - help diversify

The stock is...?

Berkshire Hathaway will yield a different answer than GE for example.
by CorradoJr
Fri Apr 27, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Touch Up Paint on New Car
Replies: 10
Views: 974

Re: Touch Up Paint on New Car

Wow ! So Subaru is now know for “thin” paint ??! Any other brands out there with same situation ? Yes. Most Japanese cars have terrible paint. Part of it is due being “cheap,” (i.e an economy car), part of it is due to manufacturers using more environmentally-friendly paint. Subaru is one of the wo...
by CorradoJr
Fri Apr 27, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Touch Up Paint on New Car
Replies: 10
Views: 974

Re: Touch Up Paint on New Car

Unfortunately Subarus are known for having very thin, very fragile paint. Today’s environmentally friendly coatings do not hold up as well as paints of the past.

I’d take it to a detailer and see what they can do for a reasonable fee if it bothers you.
by CorradoJr
Sat Feb 24, 2018 10:18 pm
Forum: Personal Consumer Issues
Topic: How to rent a specific car, Bogleheads way?
Replies: 26
Views: 1575

Re: How to rent a specific car, Bogleheads way?

Try turo.com for car rental.

Its basically people renting their cars for a day similar to airbnb. You can see if someone in your area has the specific make/model you are looking to test out.
by CorradoJr
Wed Feb 07, 2018 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Helping parents reduce taxes (dividends)
Replies: 27
Views: 1758

Re: Helping parents reduce taxes (dividends)

One more update - reviewing the Dividends and Cap Gains section of the account, the total generated in 2017 was close to $10,000, $9,600 of which were dividends. She has a mentality of not “withdrawing” out of the account, but if she needs income to pay her taxes from dividends, she will eventually ...
by CorradoJr
Wed Feb 07, 2018 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Helping parents reduce taxes (dividends)
Replies: 27
Views: 1758

Re: Helping parents reduce taxes (dividends)

Thanks for all the replies so far. A few clarifications: Her portfolio is almost $1,000,000 as outlined in my first post, roughly 500k in taxable and 500k in tax-advantaged accounts. She is certinly not running afoul if tax laws, as she works with an accountant who files her taxes every year. All di...
by CorradoJr
Wed Feb 07, 2018 12:02 am
Forum: Investing - Help with Personal Investments
Topic: Helping parents reduce taxes (dividends)
Replies: 27
Views: 1758

Helping parents reduce taxes (dividends)

My mom is turning 70 and has always had a modest salary from teaching but is close to a six-figure portfolio after 40 years of investing diligently. Currently, her portfolio is approx 50/50 split beteeen taxable and tax-deferred: Taxable: 300k in S&P500 50k in Extended Index 50k in Total Internation...
by CorradoJr
Mon Jan 22, 2018 11:27 pm
Forum: Investing - Theory, News & General
Topic: Ultra-Short Term Bond (VUBFX) large drop
Replies: 16
Views: 3012

Re: Ultra-Short Term Bond (VUBFX) large drop

I wanted to bump this to make sure I understand properly.

The dividend is on this find is paid the same regardless of whether one invests on the first day or the end of the month? Unlike most other bond/MM funds that accrue daily? If so, wow.
by CorradoJr
Sat Jan 20, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax Online vs CD/download
Replies: 11
Views: 1843

Turbotax Online vs CD/download

I’ve always used Turbotax Deluxe CD version for my relatively simple (one W2 for each spouse, itemized deductions which I import from Its Deductible and only a few 1099-DIV forms) tax returns. This year, my understanding is that I will not be be to use the CD/download version because my old laptop i...
by CorradoJr
Tue Jan 09, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: Low mileage, but old, used car (service and reliabilty)
Replies: 20
Views: 1425

Re: Low mileage, but old, used car (service and reliabilty)

First, check a few things on specialized Saab forums for the best answers. I have a 9-5 Aero wagon with 120k that gets used only 2,000 miles per year. 1. Make sure your model/year isn’t one of the years that were prone to sludge. Certain engine types/years were and require more rigorous oil changes ...
by CorradoJr
Sun Jan 07, 2018 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Ultra Short-Term Bond VUBFX trending down?
Replies: 1
Views: 742

Vanguard Ultra Short-Term Bond VUBFX trending down?

Any thoughts on why this fund keeps going down? I added a some my emergency portfolio to try to get a little better yield than an online savings account or typical money market, the SEC yield is 1.83% however you do have to deal with some fluctuations a penny up or down Unfortunately I picked up my ...
by CorradoJr
Thu Dec 14, 2017 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Employer incorrectly withheld FICA for 2014-2015, do I need to refile?
Replies: 2
Views: 429

Employer incorrectly withheld FICA for 2014-2015, do I need to refile?

I received an interesting letter from my megacorp employer (whom I no longer work for). The letter states that in 2014-2016, my HSA benefit deduction was incorrectly classified as a post FICA tax deduction. It goes on to say as a result my wages subject to FICA taxes were over-reported and I had exc...
by CorradoJr
Wed Nov 01, 2017 2:20 pm
Forum: Investing - Theory, News & General
Topic: Ultra-Short Term Bond (VUBFX) large drop
Replies: 16
Views: 3012

Ultra-Short Term Bond (VUBFX) large drop

Yesterday this fund dropped 0.20% which seems relatively uncommon - it has moved in a very narrow range between $9.99 - $10.03 for the past few years.

There was a distribution yesterday which may have accounted for some of the drop - am I missing out on something else?
by CorradoJr
Tue Oct 03, 2017 11:40 am
Forum: Investing - Help with Personal Investments
Topic: VWEHX High-Yield Corporate bond
Replies: 27
Views: 2638

Re: VWEHX High-Yield Corporate bond

OP, can we get the parameters again? You're "willing" to accept a 1-2% loss, but what do you think is an acceptable probability of a 5% loss? With a 10/90 allocation between equities and fixed income, you'll have an expected return of about 2%, an 84% chance of not losing anything and a 97.5% chanc...
by CorradoJr
Mon Oct 02, 2017 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: VWEHX High-Yield Corporate bond
Replies: 27
Views: 2638

Re: VWEHX High-Yield Corporate bond

Looks like with dividends reinvested VWEHX has had 2 years with a loss of 2% or greater since 1985. But that includes -21.29% in 2008. Using backtest portfolio. There is a risk. Thanks for all the replies so far. To be clear, I would not invest and walk away for a year - I would perhaps DCA in over...
by CorradoJr
Mon Oct 02, 2017 7:23 am
Forum: Investing - Help with Personal Investments
Topic: VWEHX High-Yield Corporate bond
Replies: 27
Views: 2638

VWEHX High-Yield Corporate bond

I have a small pile of money ($10k) that I'd like to take a risk with for exactly 1 year. I have a small appetite for losing 1-2%, but hopefully looking for something more generous than the 1.2% I can get with an online savings account. I'm thinking junk bonds may be a solution, and possibly VWEHX m...
by CorradoJr
Mon Oct 02, 2017 7:16 am
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 11904

Re: Are credit cards rewards worth it?

Yes, for me they are absolutely worth it. Citi even has a counter right on their website of how much "cash-back" you've accumulated so far which is great. I am not a big spender and dont try to game the system (so-called manufactured spending), and have over $1000 cash back ao far since I opened the...
by CorradoJr
Thu Aug 31, 2017 7:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 23853

Re: [Are the Bogleheads] getting less interesting?

I am tired of auto/car threads. There are times where every 10th thread is about cars. These fall into several categories: 1. I've been a good boy, is it ok if I spend my money on X car? a. I don't care, I'm getting a Mercedes, BMW, or Audi. b. My Hyundai/Toyota/Honda/Kia really is the same as a lux...
by CorradoJr
Tue Aug 01, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: Auto Battery
Replies: 31
Views: 3815

Re: Auto Battery

so are batteries sold by auto dealers the same ones that come in the car when new? am wondering if it would be better to replace dead battery with new one from dealer versus from another source? does anyone have experience replacing dead battery with battery from the dealer and the replacement batt...
by CorradoJr
Tue Aug 01, 2017 6:57 pm
Forum: Personal Consumer Issues
Topic: Auto Battery
Replies: 31
Views: 3815

Re: Auto Battery

I would avoid getting auto batteries at Wally World. While I have no prove of this, I have a feeling they push their suppliers to only use just barley enough essential battery material to have the battery barley perform correctly. Sorta like they do with "exclusive" tire contracts with certain supp...
by CorradoJr
Mon Jul 17, 2017 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Refinance HELOC or Refinace mortgage or ???
Replies: 4
Views: 636

Re: Refinance HELOC or Refinace mortgage or ???

Thanks for the replies so far - any thoughts on my next steps?

Pay down the HELOC, max out my 401ks instead, etc?
by CorradoJr
Sun Jul 16, 2017 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance HELOC or Refinace mortgage or ???
Replies: 4
Views: 636

Refinance HELOC or Refinace mortgage or ???

Over the past 6-8 years, I have been working to improve my credit score and wife's credit score. Lately we are both in the 840-850 range with about 20 types of credit vehicles (mortgage, HELOC, auto loan, student loans, credit cards, store cards, etc.) Looking for some advice on my best course of ac...
by CorradoJr
Wed Jun 28, 2017 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: New child - what type of accounts to open?
Replies: 8
Views: 1076

Re: New child - what type of accounts to open?

Thanks for the replies so far. To answer a few questions: For the logistics, How do I deposit checks in the child's name into their account? (Sorry if this sounds basic). Amounts so far are a few hundred here and there from family. Perhaps I will make a "matching contribution" :happy For 529 account...
by CorradoJr
Wed Jun 28, 2017 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: New child - what type of accounts to open?
Replies: 8
Views: 1076

New child - what type of accounts to open?

My wife and I just had our first child, and I have have friends and relatives wanting to give gifts of money. I live in PA and have been considering a 529 as well as some type of savings account (from the local Credit Union.) Please critique my logic here. Even though we do not max our 401k (we DO t...
by CorradoJr
Sat Jun 24, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Cars my only weakness, make me feel bad!!
Replies: 32
Views: 3311

Re: Cars my only weakness, make me feel bad!!

I go in looking for cars around 30-35k with decent ratings in safety, HP, and some features, and get sucked into MORE Horsepower, MORE features, MORE style, etc. I don't know what I would get now as I'm not actively looking, but I looked at several dealerships last time settled on test driving a fu...
by CorradoJr
Fri May 12, 2017 2:51 pm
Forum: Investing - Theory, News & General
Topic: Goofy idea - moving 401k to money market each weekend
Replies: 15
Views: 2105

Re: Goofy idea - moving 401k to money market each weekend

I have a question, that probably is not practical - just curious. In my 401k, I see that the money market fund pays interest daily. Why couldn't someone, on Friday afternoon, move their funds to the money market over the weekend and gain two days of interest? Then, on Monday, transfer back? Over ti...
by CorradoJr
Tue May 09, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: 18" vs 20" Tires
Replies: 39
Views: 10425

Re: 18" vs 20" Tires

Frisco Kid wrote:Bigger adds unsprung weight, not a good thing. Google it for more info. Roll with the 18's.
Yes, but on a 5,000 lbs. SUV this I'm sure isn't a priority. We aren't talking about an Atom or Caterham here.
by CorradoJr
Tue May 09, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: 18" vs 20" Tires
Replies: 39
Views: 10425

Re: 18" vs 20" Tires

knpstr wrote:the 18" will be superior in all aspects but vanity
Not exactly true, larger wheels with lower sidewall tires usually provide superior handling. There is a limit to this of course.
by CorradoJr
Tue May 09, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Sunscreen for men in office environment
Replies: 25
Views: 4146

Re: Sunscreen for men in office environment

I use Neutrogena Men Age Fighter moisturizer with SPF 15 (1.4 oz. size) or L'Oreal Men Expert Vita-Lift Anti-Wrinkle Daily Facial Moisturizer SPF 15 (1.6 oz. size) everyday after getting out of the shower. Neither are greasy or have any appearance on the skin. Both are very light and have a very fai...
by CorradoJr
Thu Apr 27, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: May not be eligible for Roth, where to save?
Replies: 4
Views: 720

May not be eligible for Roth, where to save?

For the first time, our combined income this year may exclude us from investing in a Roth IRA. From researching, I believe there a few possibilities O could explore: 1. Wait until late 2017 to have a better estimate of 2017 income. Perhaps put IRA "contribution" in a savings account as a holding pla...
by CorradoJr
Mon Apr 17, 2017 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Scratched bumper cost to repair
Replies: 17
Views: 26236

Re: Scratched bumper cost to repair

Most bumper repairs are at least $500. As others have said, the body shop is going to have to take off the bumper, see if there is additional damage, prime, paint and replace the bumper. Paint and "shop supplies" add to the cost. The body shop will want to charge at least a few hours of labor (prob ...
by CorradoJr
Fri Apr 14, 2017 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Latest Time You Can File Electronically
Replies: 3
Views: 487

Re: Latest Time You Can File Electronically

Just went throught this last night as I owe a small amount. I instructed TurboTax to have my Fed payment taken out on Monday 4/17. The instructions said 4/18 is ok too, just not after 4/18. There will probably be a 2-3 day lag before the funds are actually removed from your bank account, just like t...
by CorradoJr
Fri Apr 14, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Physician using Turbotax, owing 30K so far already...
Replies: 65
Views: 8476

Re: Physician using Turbotax, owing 30K so far already...

You've most likely far exceeded the phase-out for Student Loan Interest Deduction, so I wouldn't even enter anything.

For MFJ, the cutoff is a MAGI of $160,000.
by CorradoJr
Mon Apr 10, 2017 1:55 pm
Forum: Personal Consumer Issues
Topic: Car collision repair advice
Replies: 7
Views: 753

Re: Car collision repair advice

We need more details:

What make/model/year of the car?
by CorradoJr
Wed Mar 15, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Tag and Rate Photos in windows 10?
Replies: 7
Views: 1295

Re: Tag and Rate Photos in windows 10?

Try Google Picasa, now called Google Photos.

The program or App is excellent and also provides free unlimited online backup if your photos are under 16MP.
by CorradoJr
Fri Mar 10, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Buying Used Car- Less than 11K out door
Replies: 33
Views: 3717

Re: Buying Used Car- Less than 11K out door

We need more specifics. Sedan, Coupe, SUV, minivan, pickup truck, etc?

What "size" do you need? Small, medium, large?

What was the old car and what did you like/dislike about it?
by CorradoJr
Fri Mar 10, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: Use cellphone tethering instead of home internet?
Replies: 24
Views: 6966

Re: Use cellphone tethering instead of home internet?

Depends on the type of browsing you do. Do you watch movies or listen to music? (2.5GB will not last long)
by CorradoJr
Fri Mar 10, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: New wheels and tires - strategy recommendation
Replies: 16
Views: 1714

Re: New wheels and tires - strategy recommendation

I'm sure 99.5% of people think multiple sets of tires/wheels are unnecessary however I disagree depending on the vehicle. What model of car do you have? Are the front/rear sizes different or the same? I used to fool around with a separate set of summer/winter tires for my Audi S4 as I wanted the "be...
by CorradoJr
Mon Mar 06, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: Car engines. Turbo vs no turbo
Replies: 68
Views: 10643

Re: Car engines. Turbo vs no turbo

Blueskies123 wrote:Automakers valuing mileage and performance over reliability and cost use Turbo's.

Automakers valuing reliability and cost over mileage and performance do not use Turbo's
Can you provide examples?
by CorradoJr
Mon Mar 06, 2017 9:56 pm
Forum: Personal Consumer Issues
Topic: Buying a rental car.. Any new experience?
Replies: 76
Views: 8881

Re: Buying a rental car.. Any new experience?

I would never buy a rental car. Abused way beyond what should be normal for a 1-2 year old car. More scratches, interior scuffs, smells, and sometimes mischievous use than most. I'd rather buy a higher mileage commuter car, used by one person than a rental. Think about all the times luggage has been...
by CorradoJr
Sun Mar 05, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Programable thermostat for gas water heater?
Replies: 19
Views: 1998

Re: Programable thermostat for gas water heater?

A tankless water heater would be another option to consider. They will give you basically unlimited hot water but use next to nothing when you are not using hot water. There have been a number of threads on these that you can look up. I have one and love it. I also answer most threads with this ans...