Search found 5858 matches

by stan1
Fri Oct 19, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: Replace roof or wait .... and
Replies: 14
Views: 768

Re: Replace roof or wait .... and

I would not spend extra for upgraded materials if you are selling ($50K sounds like a lot). You won't get that back. If the roof will pass inspection I would not replace it. You won't get the money you put into it back. I would price the house in line with comps and then be prepared to negotiate dow...
by stan1
Fri Oct 19, 2018 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Should we downgrade our house?
Replies: 38
Views: 2502

Re: Should we downgrade our house?

Yeah, I've been asking a lot of questions about Atlanta. It's a different layout than any city we've lived in before. I sure hope the job opportunity is good. It's a very serious transition for us in more ways than one. I'd really consider renting at first in those circumstances. What I don't think...
by stan1
Thu Oct 18, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: Tip Furniture Delivery?
Replies: 12
Views: 1023

Re: Tip Furniture Delivery?

$10 per guy. It's hard work I don't want to do myself & appreciate their presence.
by stan1
Thu Oct 18, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Namibia question
Replies: 11
Views: 857

Re: Namibia question

You've been to Africa 40 times. You already know how to travel safely in Africa and either know how to handle the unexpected yourself or know to pay someone to get you around the hurdles. I've only been to Africa four times including places like Cameroon and Mozambique that are not tourist destinati...
by stan1
Thu Oct 18, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 111
Views: 8137

Re: Should we move to San Diego from east coast?

To summarize this entire thread: Pros: The weather Cons: Just about everything else :wink: Based on your response, I guess you don't know San Diego. In my experience, SD area has the nicest people for a big city, much nicer than a lot of places of all sizes. Right, I think he/she got confused with ...
by stan1
Tue Oct 16, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: Pet Insurance company recommendation
Replies: 12
Views: 878

Re: Pet Insurance company recommendation

What is the breed of the dog? What is your annual income (ability to self insure)? What is the premium? Is there a maximum payout? At what age is the dog no longer eligible for coverage? Do the rates go up as the dog gets older?
by stan1
Tue Oct 16, 2018 7:36 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio, Investments, Spending Feedback - What would you tweak?
Replies: 9
Views: 587

Re: Portfolio, Investments, Spending Feedback - What would you tweak?

2) Taxes: You say you make $400K/year but then you say you are in the 37% tax bracket which is over $600K for MFJ. I'd reconsider the high yield bonds in a taxable account. Is all of the mortgage interest deductible in 2018? 3) Life Insurance: How old are your kids? How much does your wife make? I t...
by stan1
Mon Oct 15, 2018 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4107

Re: Relocation to California

I think many people stay in LA because of family so you'd by no means be alone among co-workers and friends and probably even other family members. Given all you describe I'd move & rent at first in an area close to your family members so you and your wife can spend time with them. If you have to dr...
by stan1
Sun Oct 14, 2018 9:33 pm
Forum: Investing - Theory, News & General
Topic: Does international really buy you diversification?
Replies: 43
Views: 4446

Re: Does international really buy you diversification?

Once you take that out, is there really any benefit is a big question mark. At least with large cap multi-nationals choosing GM, Ford, Apple, Bank of America, Pfizer, and Exxon over Toyota, BMW, Samsung, HSBC, Roche, and Shell seems like an active stock picking play. Looking back 50 years ago I wou...
by stan1
Sun Oct 14, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 111
Views: 8137

Re: Should we move to San Diego from east coast?

traffic problems due to overcrowding. I went to college in La Jolla back in the days when a parking space could be had near the popular beaches. However, my many visits in the last 10-15 years got me nowhere near those beaches in La Jolla even during the weekdays. I'll give you that street parking ...
by stan1
Sun Oct 14, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: Bed bug problem attack plan
Replies: 19
Views: 2004

Re: Bed bug problem attack plan

HOA board or management company is likely to say this is an issue between you and your neighbor and will decline to get involved. Read your CC&Rs before contacting the HOA or the neighbor.
by stan1
Sun Oct 14, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 111
Views: 8137

Re: Should we move to San Diego from east coast?

We are in the suburbs of Philadelphia, and annual combined income of 195k. Our family lives in La Jolla and we surely would be looking at towards north country, SD. La Jolla is too expensive, we are seriously thinking about it but the plan is to move in a year or so if we do. Trying to see if we ca...
by stan1
Sun Oct 14, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Need guidance on charting next life steps
Replies: 27
Views: 2018

Re: Need guidance on charting next life steps

I don't have a lot of advice for you other than to keep your options open, be flexible, and consider many options (which seems to be what you are already doing). I hope the path is clearer in a few months.
by stan1
Sun Oct 14, 2018 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 6
Views: 561

Re: Portfolio Review

You are doing just fine. No need to ask for advice or change anything except rebalance to your desired asset allocation. You are very fortunate to have great access to low cost index funds in all of your accounts. You also have good incomes in a low cost of living state. Q1) Your asset allocation sa...
by stan1
Sun Oct 14, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 111
Views: 8137

Re: Should we move to San Diego from east coast?

Utilities: Yes cost of electricity and natural gas is high but climate is ideal for rooftop solar so buy a house with good southern exposure and no tall trees nearby. Rooftop solar also addresses the high cost of gasoline issue if you have an electric vehicle. In coastal or central areas you won't n...
by stan1
Sun Oct 14, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Joint Home Owners - Property Tax and Mortgage Deductions
Replies: 9
Views: 998

Re: Joint Home Owners - Property Tax and Mortgage Deductions

It sounds like you want to treat it as your second home so that's how you'd want to look at mortgage and property tax deductions. You do not need to be looking at how to handle a rental property. As a second home you do not charge rent and you cannot depreciate or deduct expenses. You didn't mention...
by stan1
Sat Oct 13, 2018 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: I'm an employer looking to get the best 401k deal for my employees!
Replies: 17
Views: 1200

Re: I'm an employer looking to get the best 401k deal for my employees!

I found this thread on Employee Fiduciary:
viewtopic.php?t=244838

There's quite a few more, probably worth searching and if you PM a few posters you might get a response.
by stan1
Sat Oct 13, 2018 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: I'm an employer looking to get the best 401k deal for my employees!
Replies: 17
Views: 1200

Re: I'm an employer looking to get the best 401k deal for my employees!

I am aware of "Ubiquity" and "Employee Fiduciary" who specialize in working with smaller businesses but have no other personal experience good or bad with them. Employee Fiduciary says they offer Vanguard funds and their AUM fee is 8 bps.
by stan1
Sat Oct 13, 2018 7:46 pm
Forum: Personal Consumer Issues
Topic: Suit for Teenager
Replies: 18
Views: 1178

Re: Suit for Teenager

Ooh, I had no idea Uniqlo had suits. Thanks. H&M also has suit separates. In any case I'd recommend getting it tailored as that's the best way for him to look sharp and modern if that is what the occasion calls for. Let the tailor know you want him to be able to grow into it and she will leave some...
by stan1
Sat Oct 13, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: Mexican Pacific Beaches
Replies: 58
Views: 6540

Re: Mexican Pacific Beaches

This post is a year and a half old. Maybe OP will come back and tell us where they decided to go and what they thought?
by stan1
Sat Oct 13, 2018 1:31 pm
Forum: Investing - Theory, News & General
Topic: Do 529 and DAF count for wash sales
Replies: 6
Views: 452

Re: Do 529 and DAF count for wash sales

DAF: No, you do not own the holdings in the DAF. You gift them to the sponsor charity when you make the contribution. You also just make a recommendation on the investment choices. 529: If parent is the owner the intent might be yes it is a wash sale but in gray area because only IRA and Roth IRA ar...
by stan1
Fri Oct 12, 2018 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Rate of return calculation
Replies: 4
Views: 536

Re: Rate of return calculation

I do it myself in a spreadsheet using the Excel XIRR function.
by stan1
Fri Oct 12, 2018 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: whats the consensus on muni % allocation
Replies: 9
Views: 1200

Re: whats the consensus on muni % allocation

so I'm interested in why you picked out of state munis also.. because they won't have a tax advantage to you.. it's just all about risk then? I'm wondering as I am moving to CA. so I guess I figured to put all munis to CA to avoid CA tax, but I'm interested to your allocation to other muni's as I g...
by stan1
Fri Oct 12, 2018 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: TLH: Small Cap Value (VSIAX)
Replies: 3
Views: 326

Re: TLH: Small Cap Value (VSIAX)

Your options are (ranked per my preferences): 1) Use small cap value ETF such as IJS or VIOV. If I'd made the decision I wanted small cap value in my asset allocation I wouldn't buy a small cap blend or midcap value fund. 2) Treasury money market fund for 31 days if over $50K, otherwise Prime or Fed...
by stan1
Fri Oct 12, 2018 2:13 pm
Forum: Investing - Theory, News & General
Topic: Does Fidelity offer the best index products for a passive investor compared to Vanguard
Replies: 61
Views: 5371

Re: Does Fidelity offer the best index products for a passive investor compared to Vanguard

Vanguard already has an alternative to a minimum balance called a brokerage account that can be invested in ETFs. No fee with e-delivery. I realize some people here are still skeptical about ETFs and want the enforced discipline that comes with frequent trading restrictions on Vanguard mutual funds.
by stan1
Fri Oct 12, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: Does Fidelity offer the best index products for a passive investor compared to Vanguard
Replies: 61
Views: 5371

Re: Does Fidelity offer the best index products for a passive investor compared to Vanguard

Vanguard, Blackrock iShares, State Street SPDRs, and Schwab all offer low cost index ETFs that are transportable to different brokerages at no additional cost for taxable investors. Mutual funds less so. Vanguard also has proven past performance of lowering expense ratios of existing funds/ETFs whic...
by stan1
Fri Oct 12, 2018 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest IXUS into IEMG and IDEV
Replies: 7
Views: 375

Re: Tax loss harvest IXUS into IEMG and IDEV

It seems like ixus/idev is more tax efficient as compared it vxus/iemg. My plan was to break it up and put IDEV in taxable and IEMG in tax advantaged accounts. My goal is not really to change the allocation of developed to emerging but to break it up and have better placement. Makes sense? You coul...
by stan1
Fri Oct 12, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest IXUS into IEMG and IDEV
Replies: 7
Views: 375

Re: Tax loss harvest IXUS into IEMG and IDEV

If you just want to tax loss harvest IXUS why not use VXUS?

If you want to change your asset allocation to split between developed and emerging then I'd use IDEV/VEA and IEMG/VWO as TLH pairs.
by stan1
Thu Oct 11, 2018 9:25 pm
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 95
Views: 8254

Re: When will you backup the truck on stocks

When it’s time to back up the truck, things will look bad enough that you are not going to want to back up the truck. Best answer in the thread. I don't think there were many "back up the truck" threads on the forum in late 2008 and early 2009. Really? I mean you are saying like this thread here ht...
by stan1
Thu Oct 11, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest international small cap with what?
Replies: 11
Views: 403

Re: Tax loss harvest international small cap with what?

At this time, I'm leaning towards TLH into SCHC ("Schwab International Small-Cap Eq ETF") and adding a little bit of VWO ("Vanguard Emerging Markets Stock Index Fd") to compensate for the loss of emerging markets. I wouldn't worry about that right now. You might be back in VSS in 31 more days (or 3...
by stan1
Thu Oct 11, 2018 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest international small cap with what?
Replies: 11
Views: 403

Re: Tax loss harvest international small cap with what?

I would tax loss harvest the $5K. The lesson I learned back in 2008 was not to TLH into something I didn't want to keep long term. You never know when the market will stay up and you'll be stuck with what you have. You could leave the resulting cash in your money market fund for 31 days and buy VSS ...
by stan1
Thu Oct 11, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Mold on inspection, need advice
Replies: 30
Views: 2235

Re: Mold on inspection, need advice

Your post doesn't give enough information to know if this is a pinhole leak in the roof that went unnoticed or a roof that was neglected for years with damage to the entire ceiling. How large is the area with mold? Mold grows anywhere there is moisture. In a wet or humid climate that's hard to avoid...
by stan1
Thu Oct 11, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: tablet or small laptop for general and travel computer?
Replies: 41
Views: 2186

Re: tablet or small laptop for general and travel computer?

It's personal preference but if you don't like typing on the screen I'd start with a foldable/travel bluetooth keyboard with a stand for your existing tablet (if supported).
by stan1
Thu Oct 11, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Anyone here major in Economics in college?
Replies: 68
Views: 3838

Re: Anyone here major in Economics in college?

Economics is a good foundational degree that develops analytical skills. Similar to math and physics compared to engineering. Will her first job and career be in economics? Maybe not but she'll have plenty of opportunities in any field where good quantitative analytical skills are needed. IT, softwa...
by stan1
Thu Oct 11, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 5657

Re: Anyone done a Hair Transplant?

I am 33 and severely balding, been considering a transplant for a while. I am always thankful for my health and family, and I realize there are more important things than hair. It does bring me down sometimes, and everyone around me notices how bald I have become. I am in an upper management role a...
by stan1
Wed Oct 10, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving house to kids with a surviving spouse
Replies: 16
Views: 1837

Re: Leaving house to kids with a surviving spouse

You (and she) needs to be working with an attorney. You are not describing a "typical" situation that would let you use an online service or do it yourself software.
by stan1
Tue Oct 09, 2018 9:30 pm
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4478

Re: Should I, and how, act on changes in managing diet and health?

Travel the US more and survey the physiques and eating habits of other people. The vast majority of people I see are obviously not in step with you. If I were to invest on that basis, I would take the exact opposite side of what you are considering. I agree with the suggestions not to base your inv...
by stan1
Tue Oct 09, 2018 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10881

Re: Talk me out of buying a Tesla Model 3

Do you take long trips? > 250 miles round trip? What I've seen from my EV owning friends: 1) Fly. Actually even common for some people to fly from LA to SF or Vegas because of traffic and Tesla owners can afford it. 2) Rent a car. We've done this at times simply because we didn't want to put a coup...
by stan1
Tue Oct 09, 2018 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Choosing Fund Cost-Basis Methods
Replies: 9
Views: 363

Re: Choosing Fund Cost-Basis Methods

Could someone please explain why specific identification is the way to go? Because it lets you choose which shares to sell when you want to sell. Here's three reasons to do that: 1) When you sell you can minimize the amount of capital gains taxes you owe by selecting the shares which have appreciat...
by stan1
Mon Oct 08, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 6797

Re: Got my new Iphone Xs

Just downloaded iOS 12.0.1. Happy to report the phone WiFi is no longer favoring 2.4GHz over 5 GHz. That gets me back from 70 Mbps to 250 Mbps. Still getting about 1 bar less on mobile coverage compared to my iPhone 6 (ATT wireless, not Verizon). I don't have drop outs, just a lot of locations with ...
by stan1
Mon Oct 08, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10881

Re: Talk me out of buying a Tesla Model 3

Keep the 4Runner for weekend fun. Don't mess up the nice car by putting bikes or bags of manure in it, or off-roading it.
by stan1
Mon Oct 08, 2018 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Apartment 50% of assets
Replies: 21
Views: 1883

Re: Apartment 50% of assets

Will you be able to afford the building maintenance fees? Hopefully they are less than you are paying now in rent (although you do say it is a very nice apartment)?
by stan1
Mon Oct 08, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10881

Re: Talk me out of buying a Tesla Model 3

Since you are considering an S4 or a Tesla 3 Performance you obviously enjoy cars and would not be happy with a Corolla or Prius. You can afford to get a the Model 3 if you want it. I do agree that Mercedes and BMW will have some very compelling models out within two to three years. I would not want...
by stan1
Sun Oct 07, 2018 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Diversification For Retirees
Replies: 10
Views: 909

Re: Tax Diversification For Retirees

As you said your question cannot be answerable in general. Everything is situational. Sounds like main decision for you would be whether to do Traditional to Roth conversions. You can think of it as paying taxes on the Traditional 401K/IRA so your heirs can inherit it in a Roth IRA without paying ta...
by stan1
Sun Oct 07, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone used software to write a Will?
Replies: 15
Views: 1272

Re: Has anyone used software to write a Will?

Some people have simple needs. My mom is 85. She has credit union CDs, a taxable investing account, and an an IRA with POD and beneficiaries set up properly. Her net worth is about $250K. She does not own a home or a car or even anything of value to anyone other than her. Her two sons are her only h...
by stan1
Sun Oct 07, 2018 12:17 pm
Forum: Investing - Theory, News & General
Topic: Surprised by Jack's answer to Fidelity's 0 mgmt fund threat
Replies: 77
Views: 7828

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

Then there is Blackrock/iShares Emerging Markets: EEM = 0.69% ER with $29.6B still invested in it since inception in 2003. Basic math is $204M in "expenses" per year. IEMG = 0.14% ER with $46.9B invested since inception in 2012. That's $65.7M in "expenses". Why didn't Blackrock restructure EEM to op...
by stan1
Sun Oct 07, 2018 9:33 am
Forum: Investing - Theory, News & General
Topic: What part of your investment philosophy was "Inspired by Jack Bogle"?
Replies: 27
Views: 1098

Re: What part of your investment philosophy was "Inspired by Jack Bogle"?

For me actually it was very little. Authors like RIck Ferri and Larry Swedroe plus long term posters here like David Grabiner, Laura Dogu, retiredjg and yes even livesoft had more influence. Jack Bogle is a great American who made a huge contribution by making low cost investing and index funds in p...
by stan1
Sun Oct 07, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Former Employer Contracting Opportunity - Share Your Thoughts
Replies: 29
Views: 1526

Re: Former Employer Contracting Opportunity - Share Your Thoughts

This is simple because it sounds like you don't need the job or particularly want to do it. Set your rate and let them accept it or not. Don't let emotion creep into the decision by being offended at the pay rate. It's business not a personal relationship. If the gap is too far you might not get the...
by stan1
Sun Oct 07, 2018 7:43 am
Forum: Personal Consumer Issues
Topic: U.S. mailing address/forwarding for expats
Replies: 25
Views: 2148

Re: U.S. mailing address/forwarding for expats

I've been living in Europe for five years and I've had no problems using Virtual Post Mail for my mail forwarding needs. They provide a California address. Per their website they can also provide a Nevada address which may help with the real or possible income tax issue for someone who has no other...
by stan1
Sat Oct 06, 2018 6:29 am
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 75
Views: 8944

Re: 20 countries where 200K in retirement savings will last you decades

Some viable options in that slide deck. I’m not a big fan of slide articles so I only went to number 6, but the only location in 1-6 I haven’t been is Nicaragua. If push came to shove I could see pulling off something like this. Food for thought - I don’t think the majority of US citizens aged 60 o...