Search found 5760 matches

by stan1
Wed Sep 19, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: Anyone hire an interior designer?
Replies: 34
Views: 2876

Re: Anyone hire an interior designer?

Most designers will tell you they can adapt to your requests and style but if you look at their portfolio you'll usually see common trends/themes between projects. Make sure you are comfortable with the things you see common across different projects. If a designer only has traditional designs on he...
by stan1
Wed Sep 19, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: Long term stays/vacations
Replies: 11
Views: 1436

Re: Long term stays/vacations

I'd put this in the "just do it category" if you have the time flexibility. Try it and see if you like it. If you aren't sure do it for a month. I would be particular about the location where I based myself. Close to good public transit or if I expected to need a rental car I'd want easy parking. Li...
by stan1
Wed Sep 19, 2018 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Pay-off or keep mortgage with 2018 interest deduction changes?
Replies: 14
Views: 1073

Re: Pay-off or keep mortgage with 2018 interest deduction changes?

Sounds like you are over 70.5. I wouldn't necessarily increase my charitable giving unless I made a deliberate decision to do so but I would shift to qualified charitable distributions so that charitable giving drew from the RMD. Assuming after that you still had part of the RMD exceeding your livin...
by stan1
Tue Sep 18, 2018 10:08 pm
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 70
Views: 2203

Re: BUT OUT BMW LEASE / BUY NEW HONDA 2019 / BUY USED HONDA 2017

In my areas 2018 Honda Civic and Accord sedans are selling for up to 15% below MSRP right now. People want CUVs instead and there are many cars on the dealer's lots before 2019s come in. I'd buy a new 2018 Civic at a price well below the MSRP.
by stan1
Mon Sep 17, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: are iPad Minis obsolete?
Replies: 28
Views: 2891

Re: are iPad Minis obsolete?

Hard to know exactly what Apple is thinking but my guess is that since the iPhone Xs Max 6.5" screen size is creeping closer to the size of a 7.9" iPad Mini Apple is debating whether to put more investment into the iPad mini.
by stan1
Mon Sep 17, 2018 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 7
Views: 928

Re: Portfolio Review

Agree with Peter Foley's adds about switching away from Target Retirement funds to Total Stock Market, Total International Stock Market, and Total Bond Market across the board. In addition to lower expense ratios it will be easier to maintain your desired asset allocation across all the accounts. In...
by stan1
Sun Sep 16, 2018 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 7
Views: 928

Re: Portfolio Review

You've obviously done quite well and with the pensions, health benefits, and education benefits for you and your future children you have many choices. Any chance the Target Retirement Fund you have in the taxable account has a capital loss or a small long term gain? You'll get a lower expense ratio...
by stan1
Sun Sep 16, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: Travel- overwater bungalows
Replies: 16
Views: 2283

Re: Travel- overwater bungalows

Not over water but we have done beach front villas on a private island so some of the advice will be similar. We enjoyed it, it was worth it, and it is no longer on our bucket list. As with anything expensive its good to do your due diligence. We chose a relatively remote location in the Caribbean b...
by stan1
Sun Sep 16, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: First Week of January West Coast Travel Options
Replies: 8
Views: 528

Re: First Week of January West Coast Travel Options

I'd go with Hawaii (Big Island, Maui, or Kauai) for one week especially since she hasn't been there before. Tahiti if you wanted something just a little more exotic. One week in an Asian city like Tokyo with easy non-stop flights from LAX would also be fun but very different than Hawaii. You'd have ...
by stan1
Sun Sep 16, 2018 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Can I have an oversized emergency savings account?
Replies: 19
Views: 2092

Re: Can I have an oversized emergency savings account?

If you like having FDIC/NCUA insurance there are plenty of high yield savings accounts and credit union CDs that will give you better yield than a checking account. You could even include CDs as part of your fixed income allocation if you wanted to. There's no laws broken or even ethical lapses if y...
by stan1
Sun Sep 16, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: iphone xs--buy it sim free vs. on a network
Replies: 12
Views: 1236

Re: iphone xs--buy it sim free vs. on a network

Apple is selling one iPhone XS model (A1920) and XS Max (A1921) in the US that works on all four of the major networks. That was not the case in the past and was a major inhibitor on being able to switch carriers in the US. There were actually two iPhone X models. One model for AT&T and T-Mobile and...
by stan1
Sun Sep 16, 2018 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Personal investment plans
Replies: 5
Views: 371

Re: Personal investment plans

FireCalc is a good tool. FIrst thing to remember is there's no way to predict the future. It may or may not be like the past. FireCalc gets around this dilemma by running a simulation using past data to calculate many possible future outcomes. It then gives you a probability of success on meeting yo...
by stan1
Sun Sep 16, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Is your iPad Pro enough on the road?
Replies: 11
Views: 1157

Re: Is your iPad Pro enough on the road?

If I only need email and web browsing and I am on a short 2-3 day trip I've taken only my iPhone. That wouldn't work if I needed MS Office applications. It really depends on your needs and preferences.
by stan1
Sat Sep 15, 2018 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Documentation for IRS
Replies: 7
Views: 468

Re: Documentation for IRS

Make sure the information on the forms you have got properly entered into the tax software. It can get tricky.
by stan1
Sat Sep 15, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Options/Suggestions.
Replies: 95
Views: 8796

Re: Side Hustle Options/Suggestions.

I do not do taxes at all, except my own personal taxes, but I wouldn't want to do anyone else taxes or a company's taxes. I work in corporate accounting so mainly month end close, quarter close, year end close, budgeting, forecasting, cash flow analysis, account rec type work. I wouldn't mind doing...
by stan1
Sat Sep 15, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Utility usage way up
Replies: 45
Views: 2561

Re: Utility usage way up

Seems like you need more data. Were you on vacation for a week or two in August 2017? How does July 2018 compare to August 2018 in kwh used per day? Did you put in a second refrigerator/freezer or other high electricity usage appliance after you moved in? Do you have a pool or spa?
by stan1
Sat Sep 15, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: iphone xs--buy it sim free vs. on a network
Replies: 12
Views: 1236

Re: iphone xs--buy it sim free vs. on a network

Is a SIM from an iPhone 6 any different from a SIM put into a new Xs? Backward interoperability is fine, but would I be giving up anything like improved security if I put a 2015 SIM into a 2018 phone?
by stan1
Sat Sep 15, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Portable Music
Replies: 12
Views: 789

Re: Portable Music

Apple Watch with Air Pods.

I do see runners out in the park near me with a large phone strapped to their arm. It looks awkward.
by stan1
Sat Sep 15, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: Should I sell my MacBook pro?
Replies: 18
Views: 1530

Re: Should I sell my MacBook pro?

It's a personal preference. I know plenty of people who only use an iPad or iPhone when travelling. If you add a physical keyboard to either the iPad or iPhone and mostly do email/browsing I agree you may not need a laptop. Could you have your employer replace your iMac with a MBP? Then you'd be abl...
by stan1
Sat Sep 15, 2018 7:46 am
Forum: Personal Finance (Not Investing)
Topic: The Boglehead is anti-entrepreneur?
Replies: 62
Views: 3845

Re: The Boglehead is anti-entrepreneur?

You don't have to spend a lot of time on this board to see that there is an incredible level of risk aversity that creeps into just about every thread, whether that's in buying underwear some place other than Costco, travelling out of the US to a NATO ally like Turkey, buying a car that isn't a Toyo...
by stan1
Fri Sep 14, 2018 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX and VTMSX in taxable
Replies: 12
Views: 1473

Re: VTSAX and VTMSX in taxable

May I ask why not VFIAX + VTMSX/VIOV rather than VTSAX + VTMSX/VIOV? Agree with the tax effectiveness comment. VTMSX works well in non-advantaged accounts. S&P Index 500 in combination with S&P Index 600 leaves a mid-cap gap (roughly the S&P 400). Total stock market covers midcaps as well as microc...
by stan1
Thu Sep 13, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Considering moving to Irvine - looking for neighborhood recommendations
Replies: 3
Views: 479

Re: Considering moving to Irvine - looking for neighborhood recommendations

Much of Irvine will fit those parameters except for the highest cost areas south of the 405 and newest areas with 3000-5000 square foot houses. Closer to the airport (assuming you mean SNA) is the older parts of Irvine. Homes have gotten larger as the price of property has gone up over the last 30 y...
by stan1
Thu Sep 13, 2018 9:58 pm
Forum: Personal Consumer Issues
Topic: How to help teenager fix silly mistakes in math?
Replies: 50
Views: 3131

Re: How to help teenager fix silly mistakes in math?

Many different answers because people learn differently. There's a percentage of people who do well on traditional lectures, homework sets, and tests but that's not how everyone learns. I'd encourage her to try different techniques. One I used in math was to do the problem twice. If I came up with t...
by stan1
Thu Sep 13, 2018 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: ETF selling (multiple lots in one transaction)
Replies: 5
Views: 278

Re: ETF selling (multiple lots in one transaction)

Make sure you have your cost basis method set to "specific identification" and you will see the user interface needed to sell shares out of specific lots. If you do that you put in the number of shares you want to sell and then you can specify how many shares out of each lot you want to sell. The nu...
by stan1
Thu Sep 13, 2018 7:41 am
Forum: Investing - Theory, News & General
Topic: Why do we expect TSM to keep growing?
Replies: 63
Views: 6419

Re: Why do we expect TSM to keep growing?

Capitalism requires growing markets, and growing markets feed capitalism. The world population keeps growing. As an individual investor in the stock market your interests are for the most part aligned with powerful and wealthy institutions that will act to protect their interests. In retrospect we s...
by stan1
Wed Sep 12, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: Buying a house 1 mile away from a municipal landfill
Replies: 43
Views: 3335

Re: Buying a house 1 mile away from a municipal landfill

Everything is local. I live within 2 miles of a landfill, sewage treatment plant, cemetery, three freeways, many chemical storage sites, a commercial greenhouse, and a military runway. The landfill is right at the 2 mile mark and we've never smelled it. The sewage plant emits odors more often. I als...
by stan1
Wed Sep 12, 2018 7:43 am
Forum: Investing - Theory, News & General
Topic: Investing in taxable account or pay more for rental mortgage
Replies: 13
Views: 847

Re: Investing in taxable account or pay more for rental mortgage

It's all about liquidity. Rental properties are a business. Do you want to be a landlord or are you a reluctant landlord? Are you planning to buy more? Do you have a positive cash flow on the business? If you are buying more property you'd want the liquidity to do so. Taxable accounts are very liqui...
by stan1
Wed Sep 12, 2018 7:31 am
Forum: Investing - Theory, News & General
Topic: New era for TSP "I" Fund?
Replies: 16
Views: 2048

Re: New era for TSP "I" Fund?

They are recompeting the I Fund management contract with the MSCI All World (ex US) index so that contract will need to award first and then there will be a transition period since there is $47 billion dollars under management in the I Fund. Once the contract is awarded I think there will be a bette...
by stan1
Wed Sep 12, 2018 7:11 am
Forum: Investing - Theory, News & General
Topic: Money Market Redemption Gate
Replies: 18
Views: 1070

Re: Money Market Redemption Gate

Ok so it sounds like I need to move all my VMMXX (prime MM) to VUSXX (treasury MM). Correct? Thanks ! Federal interest is not taxable by states so that's an added benefit of treasury MMF if you pay state income taxes. If I didn't have immediate plans for the cash I'd use an FDIC/NCUA insured CD for...
by stan1
Tue Sep 11, 2018 9:58 pm
Forum: Personal Consumer Issues
Topic: Remodel for aging in place
Replies: 44
Views: 3010

Re: Remodel for aging in place

I wouldn't spend money on a lot of elder-friendly changes until there was a higher likelihood of needing them. You won't get this investment back when you sell the house. If the house starts to look institutionalized due to a lot of grab bars, ADA toilets, widened doors, and vinyl it will be harder...
by stan1
Tue Sep 11, 2018 9:36 pm
Forum: Personal Consumer Issues
Topic: Remodel for aging in place
Replies: 44
Views: 3010

Re: Remodel for aging in place

I wouldn't spend money on a lot of elder-friendly changes until there was a higher likelihood of needing them. You won't get this investment back when you sell the house. If the house starts to look institutionalized due to a lot of grab bars, ADA toilets, widened doors, and vinyl it will be harder ...
by stan1
Tue Sep 11, 2018 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: AA for funds earmarked for parents' care
Replies: 5
Views: 392

Re: AA for funds earmarked for parents' care

One thing this may trigger is a good conversation with your parents about their wishes and abilities to plan for their future care (if that hasn't already happened). If you don't know their net worth and income streams it seems like you really should have a heart to heart about their estate plans to...
by stan1
Mon Sep 10, 2018 7:55 am
Forum: Personal Finance (Not Investing)
Topic: My daughter's inheritance.
Replies: 63
Views: 7941

Re: My daughter's inheritance.

There is a lot of well intended but premature advice up thread. Sure Edward Jones and Morgan Stanley aren't your friends but there's a lot of information missing. - Who is the trustee? - How is the trust structured to give control of the money to your daughter? - Will she need money for education ex...
by stan1
Mon Sep 10, 2018 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Planning after divorce
Replies: 8
Views: 1580

Re: Planning after divorce

You mean $30K/kid total until they are in college or $30K/kid/year until college? If its $60K total I would reduce the 401K contribution or spend down the taxable account a little. You might find that you can save in other ways or get a few pay raises over the next decade and get most of it back int...
by stan1
Sun Sep 09, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Older Toyota/Honda/Similar owners: How often do you clean your car?
Replies: 36
Views: 2105

Re: Older Toyota/Honda/Similar owners: How often do you clean your car?

I'm not sure why make/model matters but I take my car to have it washed and vacuumed about 4-6 times per year. I do not eat in the car, have pets in the car, or have kids in the car so it stays clean. I find washing it more frequent to be a non-productive use of my time although I know some people f...
by stan1
Sat Sep 08, 2018 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: New to Donor Advised Funds, need guidance
Replies: 22
Views: 1526

Re: New to Donor Advised Funds, need guidance

In my research, Fidelity seems to be a better fit ($5000 minimum to start with), but do not know & need help understanding how this works & which mutual funds to invest in. Fidelity Charitable or Schwab Charitable are a better fit for many people because of the $5,000 minimum initial contribution a...
by stan1
Sat Sep 08, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Using Lastpass as your password manager
Replies: 34
Views: 3588

Re: Using Lastpass as your password manager

I would not worry about it unless you are a high profile individual (e.g. your name comes up on a Google search as a public figure). If you are a public figure who would be targeted I would try very hard to minimize my personal online presence. Others would say "no, don't use it" so it really is you...
by stan1
Sat Sep 08, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 53
Views: 2969

Re: Buying a new Toyota Camry. What extra options if any?

Looking at the 2018 Camry web site I would want to blind spot monitoring and convenience package for an LE. The styling in modern cars can create large blind spots. I like having the keyless ignition, the auto dimming rear mirror, and the homelink buttons for my garage and community gate. The moon r...
by stan1
Sat Sep 08, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Buy a house that needs full renovation?
Replies: 40
Views: 1658

Re: Buy a house that needs full renovation?

alil, Your $300k budget for a house in the neighborhood does not seem high enough. This house plus renovations will go way beyond $300k. A 10% increase in the budget would get you into the neighborhood (move in ready house for $334). If it's such a hot housing market, why has it not sold in 2 month...
by stan1
Sat Sep 08, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Buy a house that needs full renovation?
Replies: 40
Views: 1658

Re: Buy a house that needs full renovation?

Alil, from your post I get no sense that you would want to take on what could potentially be a multi-year project to repair and renovate this house. If you buy it you own the problems and the risks of any cost overruns due to unexpected work. An inspector and contractor can only see what's visible. ...
by stan1
Sat Sep 08, 2018 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest newbie needs help!
Replies: 6
Views: 554

Re: Tax Loss Harvest newbie needs help!

With $10K in short term losses you absolutely should tax loss harvest. Right now I am using VXUS and IXUS as tax loss harvest partners. I would be comfortable keeping either long term. In 2018 I would not want an EAFE fund long term therefore I would not use it as a tax loss harvest partner to a tot...
by stan1
Fri Sep 07, 2018 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: hold US or Int'l index fund in taxable account?
Replies: 9
Views: 1586

Re: hold US or Int'l index fund in taxable account?

Note also that the turnover rate for the two funds is much different. VTSAX turnover per Morningstar is 3%, versus 12% for VTIAX. With a higher turnover rate, VTIAX is generating more in the way of annually taxable capital gains. Neither fund has generated a taxable capital gain since they added ET...
by stan1
Fri Sep 07, 2018 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: hold US or Int'l index fund in taxable account?
Replies: 9
Views: 1586

Re: hold US or Int'l index fund in taxable account?

I faced this decision a number of years ago and bought roughly equal amounts of Total Stock Market and Total International Stock Market in my taxable account. I kept things balanced by adding new money in taxable and rebalancing US and International in my retirement accounts. I would recommend my 2...
by stan1
Thu Sep 06, 2018 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: hold US or Int'l index fund in taxable account?
Replies: 9
Views: 1586

Re: hold US or Int'l index fund in taxable account?

I faced this decision a number of years ago and bought roughly equal amounts of Total Stock Market and Total International Stock Market in my taxable account. I kept things balanced by adding new money in taxable and rebalancing US and International in my retirement accounts. I would recommend my 20...
by stan1
Thu Sep 06, 2018 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: RE: Help with Mom's Taxable account
Replies: 11
Views: 1005

Re: RE: Help with Mom's Taxable account

Your mother and step father are still married, file a joint tax return, and support each other financially? I can understand your mom wants to leave money to her heirs but as her child I'd want to make sure her needs were taken care of first. I'd recommend something like Vanguard Tax Managed Balance...
by stan1
Thu Sep 06, 2018 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: should I reinvest capital gains and dividends in a taxable account?
Replies: 11
Views: 986

Re: should I reinvest capital gains and dividends in a taxable account?

It's your decision. I still prefer to have dividends in taxable go into a money market account and then reinvest myself so I can rebalance. Now that brokers are required to maintain cost basis the administrative part of having many tax lots should be simpler (although some people do still maintain t...
by stan1
Thu Sep 06, 2018 9:20 am
Forum: Investing - Help with Personal Investments
Topic: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]
Replies: 57
Views: 4144

Re: Vanguard Bars me from changing from admiral share to etf status

Also in a retirement account I can't think of a reason to convert from a fund to an ETF other than bid ask spread. Just sell the fund and buy the ETF. There's no tax consequence.
by stan1
Thu Sep 06, 2018 9:17 am
Forum: Investing - Help with Personal Investments
Topic: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]
Replies: 57
Views: 4144

Re: Vanguard Bars me from changing from admiral share to etf status

oner wrote:
Thu Sep 06, 2018 9:15 am
May rep just informed me that Vanguard will not let me change my retirement accounts from Admiral to ETF status. This is after 35 years with them.
Why? I'm certain it has nothing to do with how many years you have been a Vanguard customer.
by stan1
Wed Sep 05, 2018 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: VSUXX vs VMMXX vs VMFXX vs Money Market (FDIC insured)
Replies: 19
Views: 1893

Re: VSUXX vs VMMXX vs VMFXX vs Money Market (FDIC insured)

Can people point me to where VUSXX (Vanguard US Treasury Money Market) is documented to be taxable only at the federal level? I found tangential references to this on bogleheads.org but tried to look for something definitive online and wasn't able to confirm this for California. When I asked Vangua...
by stan1
Wed Sep 05, 2018 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Sell our new home to downsize
Replies: 37
Views: 3413

Re: Sell our new home to downsize

In our HCOL area it would not work to drop 50% of our income and find a home cheap enough that isn't 2 hrs commute from my office. It's all perspective, but those of us who actually do live in HCOL areas and would have to pay $750K-1M to get into a home in a "good enough" school district often on s...