Search found 2141 matches

by bayview
Tue Aug 04, 2020 8:41 pm
Forum: Personal Consumer Issues
Topic: New Toyota Highlander, 2020 vs. 2021
Replies: 58
Views: 3744

Re: New Toyota Highlander, 2020 vs. 2021

adamthesmythe wrote:
Tue Aug 04, 2020 5:38 pm
...And upon buying a new car, bogleheads are required to go immediately to the computer and update their spreadsheet to reflect the sudden loss in wealth.
Egg-zackly! :D
by bayview
Mon Aug 03, 2020 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Welp: Going for Bank Account Bonus Gone Wrong
Replies: 16
Views: 2584

Re: Welp: Going for Bank Account Bonus Gone Wrong

DH and I found TD Bank, especially any online actions, to be a never-ending nightmare. We have a HELOC with them (it was originally on an investment property, and TD was nearly the only bank who would do this, or at least on decent terms.) The simplest movement of funds, or a deposit, was fraught wi...
by bayview
Sun Aug 02, 2020 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: I was looking at getting the 1% cash back discover card. How many of you use debit cards all the time?
Replies: 79
Views: 3721

Re: I was looking at getting the 1% cash back discover card. How many of you use debit cards all the time?

Thought I would ask others. Oh, good Lord, no. Never. Holy cow, why would you want to? If someone is struggling with self-control over spending, write checks. Otherwise, use credit cards, preferably those with rewards. DH’s debit card was compromised and it took almost six months for it all to get ...
by bayview
Sun Aug 02, 2020 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Helping my mother financially (CCs and housing)
Replies: 21
Views: 2027

Re: Helping my mother financially (CCs and housing)

I have a nuanced situation with my mother's finances, some of which need solving immediately, others are in the medium term... I recognize that personal financial growth frequently does not large gifts to family as a strong investment strategy, but I feel morally obligated to help. I’m glad that yo...
by bayview
Mon Jul 27, 2020 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Buying a property in central Florida a good idea or not
Replies: 49
Views: 4341

Re: Buying a property in central Florida a good idea or not

I wouldn't want to own property in central Florida where I would live in ten years, next year, or now. :D But I will say that we bought the house that we currently live in 7-8 years ago, while we were in California (house is in NC.) We did not expect to need it for another 8-10 years and planned to ...
by bayview
Mon Jul 27, 2020 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Driveway On Neighbor's Land
Replies: 139
Views: 4235

Re: Land Border Issues & Aggressive Neighbor - Help Wanted Please

I wouldn't pay him anything. It's extortion on this point. Just Googled and found Neighbouring Land Act 1992 that enables persons to have access to neighbouring land in order to carry out work necessary for the preservation of their own land or other similar purposes. Sounds like you have access to...
by bayview
Mon Jul 27, 2020 9:09 am
Forum: Personal Investments
Topic: Are Higher Stock Allocations the Only Option for Retirees?
Replies: 94
Views: 6614

Re: Are Higher Stock Allocations the Only Option for Retirees?

minimalistmarc wrote:
Mon Jul 27, 2020 1:05 am
I thought the main point of bonds was that they zig when stocks zag?
I thought that the point was that they don't zag to the same degree as stocks, and that sometimes they in fact zig. Low correlation, rather than negative correlation.
by bayview
Sun Jul 26, 2020 10:35 pm
Forum: Investing - Theory, News & General
Topic: Who's doing 100% international equity?
Replies: 129
Views: 17412

Re: Who's doing 100% international equity?

Lots of replies to 2018 posts... 8-)

(As well as to current posts)
by bayview
Sun Jul 26, 2020 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Annuity in IRA for 85yr old
Replies: 10
Views: 991

Re: Annuity in IRA for 85yr old

Stinky wrote:
Sun Jul 26, 2020 2:50 pm
bayview wrote:
Sun Jul 26, 2020 2:46 pm
Bump (trying to evaluate my mom’s VAs) :confused
Have you posted your moms VA information?

If not, please start a new thread to get your best input.
No, I haven’t, and I wasn’t planning to ask in this thread. I was merely explaining the reason for the bump (gathering general info.)
by bayview
Sun Jul 26, 2020 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Annuity in IRA for 85yr old
Replies: 10
Views: 991

Re: Annuity in IRA for 85yr old

Bump (trying to evaluate my mom’s VAs) :confused
by bayview
Thu Jul 23, 2020 8:37 am
Forum: Personal Investments
Topic: Investing directly in bonds
Replies: 17
Views: 1039

Re: Investing directly in bonds

My advice would be to read "The Bond Book" by Annette Thau before you wade into the waters of buying individual bonds. There is much to know BEFORE you buy. Regards, It cured me of any interest in investing in individual bonds, other than possibly a ladder of nominal Treasuries or TIPS. :D ----fasc...
by bayview
Tue Jul 21, 2020 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Can I reject a rental application for too many people on the lease?
Replies: 39
Views: 3610

Re: Can I reject a rental application for too many people on the lease?

Non- attorney here. Leases generally fall under "joint and several" liability which means that roommates, co-signers, etcetera are EACH responsible for ALL the rent. To be honest, when I worked for a realty company we never had grown-ass roommates. Rent was cheaper then. We took college students wi...
by bayview
Tue Jul 21, 2020 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Financing land purchase via mortgage
Replies: 3
Views: 356

Re: Financing land purchase via mortgage

Adding the more common acronym HELOC to help search function.
by bayview
Sun Jul 19, 2020 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Unexpectedly taking on parents' debt: pay it all or?
Replies: 33
Views: 4122

Re: Unexpectedly taking on parents' debt: pay it all or?

For those saying that the father is eligible for SS now (age 63), he might not yet have the necessary quarters.
bamboodaisies wrote:
Sun Jul 19, 2020 9:29 am
OP, if this is the case, how many more quarters would he need?
by bayview
Sun Jul 19, 2020 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Trigger an estate tax by moving IRA before death?
Replies: 44
Views: 1692

Re: Trigger an estate tax by moving IRA before death?

I’m very sorry about your mom.

In light of her low income, have you considered converting all the remaking t-IRA to Roth? Same tax bite, but much better in terms of benefit to heirs.
by bayview
Sat Jul 18, 2020 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Tired Lawyer, Need career and life advice
Replies: 106
Views: 13611

Re: Tired Lawyer, Need career and life advice

I think hoffse supplied the best response yet. ALL jobs are going to be tedious, annoying, exhausting, frustrating, soul-sucking at some point. You have to mentally clock out at the end of the day, leave it behind, and shift focus to family and self. Get outside, do stuff that allows the kiddo to bu...
by bayview
Tue Jul 14, 2020 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Wife's new job, pregnancy leave
Replies: 50
Views: 3586

Re: Wife's new job, pregnancy leave

really I would advise any woman to take the maximum amount offered though not only for her and her family's good, but to advance the cause for broader, more generous paid parental leave policies in the US. Best, ICM I disagree with that. We're already at 130-140% of the planet's carrying capacity f...
by bayview
Sun Jul 12, 2020 7:54 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138576

Re: Coronavirus (Consumer Issues) How you are preparing?

My Costco was out of toilet paper again. Is this TP panic 2.0? Perhaps those who stocked up in March are just now running low and buying in mass again, or maybe it's just a one-off in my store. Any TP shortages again where you all are? My local store was cleaned out, but Target did have my preferre...
by bayview
Sun Jul 12, 2020 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on serving as an executor
Replies: 44
Views: 2138

Re: Advice on serving as an executor

...One of my main concerns is that my relative has poor hearing and misses a lot of details on phone calls. Due to her age and COVID-19 in-person meetings with her lawyer or financial planner are not an option. I have participated in one call where her lawyer described changes that were being made ...
by bayview
Sat Jul 11, 2020 10:07 pm
Forum: Personal Consumer Issues
Topic: House with high tension power lines in backyard
Replies: 71
Views: 4675

Re: House with high tension power lines in backyard

Main concerns: 1) health of high tension power lines 2) resale bc others are concerned with 1) 1) is baseless in my opinion. See this for what the American Cancer Society has to say. https://www.cancer.org/cancer/cancer-causes/radiation-exposure/extremely-low-frequency-radiation.html 2) Some buyers...
by bayview
Sat Jul 11, 2020 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Form 706 for portability election
Replies: 32
Views: 5263

Re: Form 706 for portability election

Hello Everyone, Sorry that I have one more question. Where should I include 401k and IRA accounts? Should they be in Schedule B Stocks and Bonds or Schedule I Annuities? If they are money market funds, should I list them in in Schedule B or Schedule C Mortgages, Notes, and Cash? Thank you so much. ...
by bayview
Sun Jul 05, 2020 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Employer not paying unused PTO after termination
Replies: 22
Views: 3125

Re: Employer not paying unused PTO after termination

Let us know who the employer is so we can choose not to do business with an unethical company. I’m not sure if you’re being sarcastic or not but this was my thought. I prefer to spend my money at places that treat people right. I don’t always succeed but that’s why I prefer to buy local and avoid b...
by bayview
Sun Jul 05, 2020 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Actions at end of life to benefit heirs
Replies: 101
Views: 6552

Re: Actions at end of life to benefit heirs

Are you serious? Actually, I was serious. Yesterday there was a lot of whoopla about The Greatest Nation on Earth, the Land of Opportunity, Freedom and Democracy. I just considered the possibility that a person on their death bed who had enjoyed a lifetime of those benefits and a lifetime of deferr...
by bayview
Wed Jun 24, 2020 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Question About Email Address Used to Create Employer Retirement Plan Account
Replies: 14
Views: 861

Re: Question About Email Address Used to Create Employer Retirement Plan Account

Can anyone answer OP’s question, which was if his employer can view whatever email address he submits (up to and including “beachbum@retired dot com)?
by bayview
Wed Jun 24, 2020 8:57 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4005
Views: 306986

Re: Coronavirus and the market

I'm not a believer in "new bull market". While it's a pretty high dead cat bounce, it's unclear to me that we're on a true economic rebound. I think we haven't seen the worst yet...no idea when that will be either. What is fascinating to me is the TINA (There Is No Alternative) theory as a possible...
by bayview
Wed Jun 24, 2020 8:47 pm
Forum: Investing - Theory, News & General
Topic: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)
Replies: 260
Views: 50975

Re: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)

Longinvest, Now that I've finally read all five pages I would like to say THANK YOU for the personal investment of your time and knowledge that is benefitting so many people, myself included, and will benefit so many others who invest the time to read and understand the value of the work that you'r...
by bayview
Sun Jun 21, 2020 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Interviewing buyers realtor; confused
Replies: 38
Views: 3824

Re: Interviewing buyers realtor; confused

Why can’t you find a neighborhood and lots you like and send letters yourself? You can offer more to the home owner since you don’t charge a commission. If you want to go the realtor route you will need to talk to friends and others to get names. Then interview and see what they say. It is a bit of...
by bayview
Sun Jun 21, 2020 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Signature strip on credit card
Replies: 73
Views: 5592

Re: Signature strip on credit card

why did they ever bother with having a signature strip on the card in the first place? I'm pretty sure that's just to show that you accept the terms and conditions of the credit card agreement. Although I've noticed that cards no longer even say "not valid unless signed" on them. The notion that si...
by bayview
Sun Jun 21, 2020 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Interviewing buyers realtor; confused
Replies: 38
Views: 3824

Re: Interviewing buyers realtor; confused

Why can’t you find a neighborhood and lots you like and send letters yourself? You can offer more to the home owner since you don’t charge a commission. If you want to go the realtor route you will need to talk to friends and others to get names. Then interview and see what they say. It is a bit of...
by bayview
Wed Jun 17, 2020 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab as a one stop shop
Replies: 79
Views: 12701

Re: Schwab as a one stop shop

I'm glad Schwab finally has more real-time alerts for the Checking account. It must have been added recently. The last thing that would make this a near perfect checking account is if they reimburse ATM fees sooner rather than at the end of the month. Thanks for your review. I have to gently push b...
by bayview
Wed Jun 17, 2020 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Help with trust / spendthrift in-law
Replies: 26
Views: 5258

Re: Help with trust / spendthrift in-law

I went back to review this thread because there have been some new developments with my mother, and I just want to say that looking back I am so impressed with the feedback I got at the time. Per delamer, we did decide to set things up such that both my and my sister’s inheritances go into trusts. ...
by bayview
Sun Jun 14, 2020 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Health Ins for 26yr old : which state and options?
Replies: 8
Views: 787

Re: Health Ins for 26yr old : which state and options?

Just realized I neglected to thank those who posted helpful information and suggestions, so thank you. With the information provided, he could narrow his focus down to just Washington state and started by pursuing the Medicaid avenue. He did qualify for Medicaid in WA, and successfully enrolled. Re...
by bayview
Sun Jun 14, 2020 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: best way to give away a table saw
Replies: 53
Views: 3241

Re: best way to give away a table saw

Habitat ReStore.

They pick up bulky or heavy stuff, at least in our area.
by bayview
Sat Jun 13, 2020 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Credit cards/issuers that support e-bills? As in, you can receive ebills/pay automatically using your bank's BillPay
Replies: 8
Views: 845

Re: Credit cards/issuers that support e-bills? As in, you can receive ebills/pay automatically using your bank's BillPay

I understand the reluctance to allow pulls from the account. I feel the same way. But I've managed to overcome my concerns and have been allowing direct pulls from all credit cards plus federal and state taxes for quite a few years. There has never been a problem. But I have experienced several los...
by bayview
Fri Jun 12, 2020 9:50 pm
Forum: Personal Investments
Topic: This seems better than nominal treasury or corporate bonds, am I missing something?
Replies: 41
Views: 3761

Re: This seems better than nominal treasury or corporate bonds, am I missing something?

Long term holders of portfolios of stocks and bonds should not be trying to cherry pick one kind of bond fund or another at all, let alone based on some present data about the fund. Short term investors who are "parking" money would not even be looking at intermediate bond funds. So, the best thing...
by bayview
Fri Jun 12, 2020 10:05 am
Forum: Personal Finance (Not Investing)
Topic: International Student Looking to get a Credit Card
Replies: 11
Views: 520

Re: International Student Looking to get a Credit Card

Hi guys, I'm an international student currently going to school in LA, and I’m trying to get a credit card to build my credit score. So far I’ve only found a few companies (Deserve, TomoCredit, Discover) that seem to approve international students with no credit history. Does anyone know anything a...
by bayview
Fri Jun 12, 2020 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Life advice from ungrateful?
Replies: 25
Views: 2177

Re: Life advice from ungrateful?

Definitely not looking to retire. I am too much a busy body to want to do that. I have done some charity work and found that unfulfilling and found it surprisingly political and bureaucratic. Maybe it was just the organization? I think Tim's response hit it right on the nail. If I "choose" to under...
by bayview
Fri Jun 12, 2020 8:53 am
Forum: Personal Investments
Topic: This seems better than nominal treasury or corporate bonds, am I missing something?
Replies: 41
Views: 3761

Re: This seems better than nominal treasury or corporate bonds, am I missing something?

Long term holders of portfolios of stocks and bonds should not be trying to cherry pick one kind of bond fund or another at all, let alone based on some present data about the fund. Short term investors who are "parking" money would not even be looking at intermediate bond funds. So, the best thing...
by bayview
Fri Jun 12, 2020 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Design of Testamentary Trust
Replies: 107
Views: 3334

Re: Design of Testamentary Trust

... ...OP, I would also strongly think of what you can do for children you love now. could the pattern of 'low hourly wages' by at all impacted? could you help them today in what may be a trivial amount to your estate but could be meaningful to their lives? my in-laws helped us with first house pur...
by bayview
Thu Jun 11, 2020 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: advice for retirees w/ HNW and high-spending
Replies: 3
Views: 980

Re: advice for retirees w/ HNW and high-spending

Interested in guidance from here (either tools to assess their situation, or where to point them for advice). They came to me (not a financial planner by any means) before their intention to go to their local bank's wealth management service ... Awwkk! :oops: As mentioned, a fee-only fiduciary plan...
by bayview
Thu Jun 11, 2020 12:16 am
Forum: Investing - Theory, News & General
Topic: Thoughts on International Index Funds
Replies: 36
Views: 2445

Re: Thoughts on International Index Funds

I have about 15-20% of equity investments in VFSAX/VSS (Vanguard FTSE All-World Ex-US Small Cap Index.) It has a bit less correlation to total US than does Total Ex-US. It’s not making me rich, but I don’t believe one way or the other that US stocks will keep dominating until I’m pushing up daisies.
by bayview
Thu Jun 11, 2020 12:00 am
Forum: Personal Investments
Topic: The Best High Yield Savings Account
Replies: 60
Views: 8437

Re: The Best High Yield Savings Account

Thanks for the reply snail. I wanted something more liquid in case we need to move on a house. With interest rates so low, now might turn into the time for us... If you haven’t already, visit the Personal Finance forum, which is where this thread ought to be per the forum guidelines at the top of e...
by bayview
Wed Jun 10, 2020 10:14 pm
Forum: Personal Investments
Topic: Dad pulling retirements out of market. Advice Please!
Replies: 84
Views: 10497

Re: Dad pulling retirements out of market. Advice Please!

For those wondering how this all turned out, here you go! Dad did not make an immediate move when I originally posted; he pondered for another few weeks. I can't remember the exact timing, but at this point, I believe things started to head back up. In the end, he sold about 50k and created an emer...
by bayview
Tue Jun 09, 2020 8:54 pm
Forum: Personal Investments
Topic: Search help sought
Replies: 7
Views: 385

Re: Search help sought

I don’t know what search terms to use to find a good, digestible explanation of how $10,000 in one account will grow at exactly the same rate as $10,000 spread across two accounts, provided they are invested identically. I tried “mental accounting” but that wasn’t it. Anyone have any suggestions. W...
by bayview
Tue Jun 09, 2020 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Redeeming Citi Costco rewards without visiting Costco?
Replies: 11
Views: 1861

Re: Redeeming Citi Costco rewards without visiting Costco?

Have any recent repliers read the first post?

OP lives abroad, usually visits the US several times a year, but anticipates not being able to do so due to COVID-19.
by bayview
Mon Jun 08, 2020 7:34 pm
Forum: Personal Investments
Topic: Have recent events affected boglehead investment philosophy?
Replies: 41
Views: 2618

Re: Have recent events affected boglehead investment philosophy?

I didn’t rebalance. I could’ve even look. What is your AA? I’m guessing that you have discovered that your equity allocation was too high for your comfort. Rather than abandoning a perfectly good philosophy, I think you need to adjust your AA to a more conservative ratio. PS: if you didn’t sell dur...
by bayview
Mon Jun 08, 2020 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Just Fired - Pension and HSA questions
Replies: 33
Views: 4060

Re: Just Fired - Pension and HSA questions

VIP wrote:
Fri Jun 05, 2020 1:11 pm
Not FIRE but let go...
Yikes, I’m so sorry to hear. I hope you’re ok to ride this out, or even better, to officially retire.

Best wishes!
by bayview
Sun Jun 07, 2020 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: sell or keep extra mower?
Replies: 21
Views: 1083

Re: sell or keep extra mower?

You already did the right thing by letting Amazon know and they said keep it. Now return one of them to Amazon and keep the free one. Get your money back and have a free mower! I assume your comment was in jest. Why? That seems logical to me. If Amazon explicitly doesn't accept returns for it, I wo...
by bayview
Sun Jun 07, 2020 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: No Health Ins, health catastrophe advice
Replies: 14
Views: 1232

Re: No Health Ins, health catastrophe advice

Second hospital, where he is now, had his mother apply for financial aid. One thing she needs to watch out for is that the hospital may try to get her to take on financial responsibility so that they can come after her assets. She needs to be very careful about anything that she signs. + 1gazillion...