Search found 711 matches

by FoolStreet
Sun Apr 21, 2019 12:40 am
Forum: Personal Finance (Not Investing)
Topic: Executor of Will - Selling House in Poor Condition
Replies: 84
Views: 6381

Re: Executor of Will - Selling House in Poor Condition

The "Facts" 1) Spouse is executor for the will of a recently deceased family member 2) House is part of the estate 3) $55k owed on the house, I do not know the interest rate 4) Taxes ~ $500 / month (high real estate tax area) 5) Comparable house in "normal" condition worth around $180k (very high l...
by FoolStreet
Sat Apr 20, 2019 4:53 pm
Forum: Personal Consumer Issues
Topic: College admission inputs - Purdue vs local SJSU vs others
Replies: 54
Views: 2795

Re: College admission inputs - Purdue vs local SJSU vs others

Appreciate any inputs from fellow bogleheads on undergrad admission decision. Have already gone through similar threads on bogleheads and collegeconfidential, but feel each situation is unique and you can always gain some valuable insights from others. This is re. undergrad admission for my son. We...
by FoolStreet
Fri Apr 19, 2019 7:51 am
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 128
Views: 14134

Re: New 2019 RAV4 is now out - looks good

Just bought an 2019 LE AWD RAV4 after test driving its competitors. We test drove the CVT (2.4 engine, w/o oil dillution issue) and the Mazda CX-5. DW liked the Toyota the best. I negotiated the price with various dealers and pit them against one another by trying to get them to "do better". Love t...
by FoolStreet
Fri Apr 19, 2019 7:37 am
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 128
Views: 14134

Re: New 2019 RAV4 is now out - looks good

Just bought an 2019 LE AWD RAV4 after test driving its competitors. We test drove the CVT (2.4 engine, w/o oil dillution issue) and the Mazda CX-5. DW liked the Toyota the best. I negotiated the price with various dealers and pit them against one another by trying to get them to "do better". Love t...
by FoolStreet
Wed Apr 17, 2019 3:55 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 104
Views: 8147

Re: Luxury car recommendations?

We're lifelong savers. With some luck we're doing relatively fine financially. So we'd like to live a bit more. In the past we usually buy a brand new Camry or like, and run for 10 years and repeat. Now we are wondering if we should try a Lexus or something similar? Some background info: We are cer...
by FoolStreet
Sun Apr 14, 2019 9:44 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18452

Re: Talk me in/out of $35k Tesla Model 3

I bought a $55k Model 3 in November so I can't comment directly on the $35k version. My understanding is that the lower-priced version is still available; but not online, probably because Tesla realized (too late) that it makes no sense to make a $35k version when they have plenty of demand for the...
by FoolStreet
Sun Apr 14, 2019 9:40 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18452

Re: Talk me in/out of $35k Tesla Model 3

Not sure how the autopilot is a stress reliever. What does it do when some knob is riding your butt in the carpool lane? That happens to us all the time and it doesn't matter how fast you go. You shouldn’t be in the carpool lane then! :-) NoA will move you out of the passing lane so that you don’t ...
by FoolStreet
Sat Apr 13, 2019 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Trust investment choices for a difficult beneficiary
Replies: 112
Views: 6565

Re: Trust investment choices for a difficult beneficiary

The annuity seems pretty bad to me. Impossible to say whether the annuity is bad or not without knowing the age and health status of the beneficiary. Also, your proposed annuity would leave the secondary beneficiaries with nothing if the primary lives to his life expectancy or beyond. Is that in ke...
by FoolStreet
Sat Apr 13, 2019 8:36 am
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 128
Views: 14134

Re: New 2019 RAV4 is now out - looks good

CULater wrote:
Wed Apr 10, 2019 8:16 am
My next car will be an electric vehicle. No gimmicky rube goldberg engine and transmission. No gas tank. No gas. No oil changes. No oil dilution. Gasoline engines have exceeded the limits of their functionality and reliability.
I like the cut of your jib!
by FoolStreet
Sat Apr 13, 2019 8:20 am
Forum: Personal Investments
Topic: California Munis: long- vs. intermediate-term bond funds
Replies: 16
Views: 1652

Re: California Munis: long- vs. intermediate-term bond funds

If you are making an investment over $50K, you might be better off with the 0.09% expenses of Vanguard's CA muni fund on Admiral shares than with the 0.25% on the ETF CMF, even paying the transaction fee once a year. (Alternatively, you could open a Vanguard account and hold it there.) For a nation...
by FoolStreet
Wed Apr 10, 2019 7:35 am
Forum: Personal Finance (Not Investing)
Topic: The high cost of sound financial advice
Replies: 45
Views: 4933

Re: The high cost of sound financial advice

My wife and I recently retired and are now both on Medicare. Not taking Social Security, yet. Our retirement funds make up about 65% of our overall portfolio, and we have essentially zero in Roth accounts. It will all be taxable on withdrawal. So after 40 years of saving diligently, we now are ente...
by FoolStreet
Mon Apr 08, 2019 7:29 pm
Forum: Personal Investments
Topic: Roth IRA on my mind. Opinions Please
Replies: 16
Views: 1305

Re: Roth IRA on my mind. Opinions Please

I appreciate all the feedback. Love the links and all feedback I consider and really helps me point the right direction I am interested in the advisor your Mom uses. The advice was not bad. Ultimately we are splitting hairs between an all-in-one fund versus a collection of funds that capture the ma...
by FoolStreet
Mon Apr 08, 2019 7:16 pm
Forum: Personal Investments
Topic: Rollover IRA vs Traditional IRA
Replies: 10
Views: 528

Re: Rollover IRA vs Traditional IRA

My head is spinning as I try to absorb information that I am reading about different types of IRAs and what can be done with them. My husband took an early retirement package, many years ago, and rolled his employer based retirement assets into a traditional IRA at what is now Wells Fargo Advisors....
by FoolStreet
Mon Apr 08, 2019 4:50 pm
Forum: Personal Investments
Topic: IRA conversion to Roth
Replies: 25
Views: 1694

Re: IRA conversion to Roth

Ah, realize I misunderstood the distinction here. Let me check on whether I can open an IRA CD (not brokerage account) at a bank without approval. I imagine the answer is yes -- appreciate the ideas into the workaround! Based on what Spirit Rider says, why would it matter if you open your two IRA a...
by FoolStreet
Mon Apr 08, 2019 3:49 pm
Forum: Personal Investments
Topic: IRA conversion to Roth
Replies: 25
Views: 1694

Re: IRA conversion to Roth

Unfortunately, we will miss the tax deadline for making an additional $5500 non-deductible IRA contribution in 2018 if we weait for the rollover. I know from the above posts that we can do these steps out of order (meaning we contribute to the IRA at the same time), but thinking we should sort this...
by FoolStreet
Mon Apr 08, 2019 12:23 pm
Forum: Personal Investments
Topic: IRA conversion to Roth
Replies: 25
Views: 1694

Re: IRA conversion to Roth

I will trot out one of my favorite criticisms: it is a shame that you are letting the fear of paperwork cost you money. Not for your particular case, but I had done some back of the envelope calculations. Assuming a 4% real return on $5500 investment and nothing after that, the ending balance is go...
by FoolStreet
Sun Apr 07, 2019 8:47 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 128
Views: 14134

Re: New 2019 RAV4 is now out - looks good

another review: https://www.businessinsider.com/toyota-rav4-2019-suv-coolest-features-2019-4 Business Insider recently had a chance to spend a week with a 2019 Toyota RAV4 prototype in Limited trim. "The new Toyota RAV4 delivers a capable, high-tech, and easy-to-live-with compact crossover in a han...
by FoolStreet
Sun Apr 07, 2019 11:37 am
Forum: Personal Investments
Topic: Investing HSA and Backdoor Roth IRA
Replies: 13
Views: 1599

Re: Investing HSA and Backdoor Roth IRA

I'd hold the bond funds in the 401k and HSA. I'd hold stock funds in the 401k, Roth IRA, taxable, and HSA (after a buffer amount in bonds). Re: bonds in HSA, Ca and NJ have tax implications, so I have heard you can minimize paperwork by investing in a fund that disburses once per year or quarter, p...
by FoolStreet
Sun Apr 07, 2019 2:21 am
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 128
Views: 14134

Re: New 2019 RAV4 is now out - looks good

Love all of the comments here. I am a fan of the the new RAV but just today got my May edition of Consumer Reports and on page 60 they are very critical of it and say the model "missed the mark" . Noisy engine, rough gear shifts, stiff ride, high ground clearance and lower roof make for difficult e...
by FoolStreet
Sun Apr 07, 2019 2:19 am
Forum: Personal Investments
Topic: California Munis: long- vs. intermediate-term bond funds
Replies: 16
Views: 1652

Re: California Munis: long- vs. intermediate-term bond funds

Thank you all so very much for the helpful suggestions. I'm now convinced intermediate-term is the way to go, plus a mix of national and CA munis for diversification. Now comes fund picking. Unfortunately Vanguard funds are not transaction-fee-free (NTF) under my Fidelity brokerage, so I have been ...
by FoolStreet
Sat Apr 06, 2019 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Hourly vs. retainer for a financial planner
Replies: 64
Views: 3409

Re: Hourly vs. retainer for a financial planner

I've mentioned on here that I'm a CPA in a tax practice, and I'm also a registered rep. (Please hold your applause.) I'm also a PFS and CFA, and as such, I can offer "financial advice" through my RIA. And after tax season, I plan to start offering financial planning services to our clients. (Just t...
by FoolStreet
Sat Apr 06, 2019 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Hourly vs. retainer for a financial planner
Replies: 64
Views: 3409

Re: Hourly vs. retainer for a financial planner

^For a VA, a client wouldn't pay twice for the same thing. You either get a commission or an AUM fee, but not both. I have no idea how I get paid for a VUL. I have never sold one. Generally, I try to steer people to their employer first, or if that's not enough, to a term product. Permanent life in...
by FoolStreet
Sat Apr 06, 2019 12:38 pm
Forum: Personal Investments
Topic: IRA conversion to Roth
Replies: 25
Views: 1694

Re: IRA conversion to Roth

We will try to find out in the next week if my husband can roll over his existing pre tax IRA into his company 401k. If he can, we will definitely contribute post tax to an IRA after. If he can't, or if it can't be done in time, it sounds like he shouldn't make the post tax IRA contribution? You co...
by FoolStreet
Sat Apr 06, 2019 9:57 am
Forum: Personal Investments
Topic: IRA conversion to Roth
Replies: 25
Views: 1694

Re: IRA conversion to Roth

Hi all, My husband has $40k in an existing IRA that is pre tax. We are now thinking he will contribute $5500 post tax to an IRA (we don't qualify to do it pre tax). I believe that conversion to a Roth is complicated because of his existing IRA. Meaning if he converts the whole IRA to Roth, he will ...
by FoolStreet
Fri Apr 05, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18452

Re: Talk me in/out of $35k Tesla Model 3

You make good points... Are there any plug-in hybrids that just have a built in gas generator? The Chevrolet Volt, depending on what you call "just". https://www.plugincars.com/exclusive-chevrolet-volt-chief-engineer-explains-volt-drivetrain-says-volt-electric-vehicle-90758.ht It's certainly not si...
by FoolStreet
Fri Apr 05, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18452

Re: Talk me in/out of $35k Tesla Model 3

michaeljc70 wrote:
Fri Apr 05, 2019 10:02 am
I'm curious about RWD vs AWD in places that get snow. If you go the AWD route, it seems like you have to get the premium interior. Basically, cheapest base option is over $40k.
By the way, the regen really helped me drive in the snow and be able to slow down without locking up tires.
by FoolStreet
Fri Apr 05, 2019 11:39 am
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18452

Re: Talk me in/out of $35k Tesla Model 3

I'm curious about RWD vs AWD in places that get snow. If you go the AWD route, it seems like you have to get the premium interior. Basically, cheapest base option is over $40k. I hear that if you live in snow country, it is better to just get a set of winter tires. Sure winter tires plus AWD is nic...
by FoolStreet
Thu Apr 04, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18452

Re: Talk me in/out of $35k Tesla Model 3

It's more than I wanted to spend but it's been life changing for me and I don't say that lightly. How has it changed your life? You're still driving from A to B, right? Personally, it takes away my road rage at the least. If I know I’m going to hit traffic, I hand over the mental mindset of control...
by FoolStreet
Thu Apr 04, 2019 10:47 am
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18452

Re: Talk me in/out of $35k Tesla Model 3

Op here... So I ordered the TSLA M3 SRP and it was ready for delivery a week later. Then it got pushed back a week because I was travelling. I have been living with it for more than 1 week now and I ABSOLULTELY love it. The tech and drive is amazing and it looks like a porsche at half the price. So...
by FoolStreet
Tue Apr 02, 2019 9:10 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 128
Views: 14134

Re: New 2019 RAV4 is now out - looks good

UpperNwGuy wrote:
Tue Apr 02, 2019 8:48 pm
Does anyone here own one of the 2019 RAV4s?
They really aren't out yet. I was told "mid april"
by FoolStreet
Tue Apr 02, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 128
Views: 14134

Re: New 2019 RAV4 is now out - looks good

IMO, they're really proud of it, with top trims coming in just shy of 40K (Limited + packages added to that). That's a lot of $$$ for a Toyota Compact SUV. I'd rather wait on the 19' Audi Q3, which will probably start at mid 30s, and the top one will have the awesome EA888 engine found in GTI and G...
by FoolStreet
Tue Apr 02, 2019 10:46 am
Forum: Investing - Theory, News & General
Topic: Can A Watch Be Considered An Investment?
Replies: 33
Views: 2072

Re: Can A Watch Be Considered An Investment?

Nope. I buy what I like. Most go down a lot (40%), some stay steady (Rolex), some go up a lot (vintage). But another great recession will reset the market and you may lose your shirt. Kindof like cars. Hot stuff right now: Vintage Rolex and Omega Speedmasters. Stuff that was selling for $9k a year ...
by FoolStreet
Tue Apr 02, 2019 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Trust Services
Replies: 86
Views: 11005

Re: Trust Services

I may have to check with Vanguard again. The person I first contacted about ST services said they would flatly refuse an all growth portfolio such as an S&P style index or ETF. This didn't seem reasonable coming from VG since they invented the index fund. That person definitely sounded biased again...
by FoolStreet
Tue Apr 02, 2019 9:11 am
Forum: Personal Investments
Topic: California Munis: long- vs. intermediate-term bond funds
Replies: 16
Views: 1652

Re: California Munis: long- vs. intermediate-term bond funds

Hello, I'm new to this forum and new to investing. Lately I have been thinking of investing in CA municipal bond mutual funds under my personal brokerage account (not 401k), with (a) a horizon 2-3 years or longer and (b) high liquidity. Given the interest risk in recent years, I was inclined to int...
by FoolStreet
Mon Apr 01, 2019 9:46 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 128
Views: 14134

Re: New 2019 RAV4 is now out - looks good

Noise vibration and harshness. The reviews also say that pretty much everything about the Rav-4 is worse than the competition so it’s clearly your typical mediocre Toyota appliance. Best reliability in its class. So there is that. Also best MPG. Big deal the reliability difference between that and ...
by FoolStreet
Mon Apr 01, 2019 9:39 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 128
Views: 14134

Re: New 2019 RAV4 is now out - looks good

I heard the gas one is loud. The Hybrid has more power. I am seriously considering one, but they aren’t really “out” yet. Dealers are quoting MSRP because they aren’t here yet. Still in transport from Japan. I will keep an eye out and try a test drive soon. I’m not sure whether to get an CSE or Lim...
by FoolStreet
Mon Apr 01, 2019 8:14 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 128
Views: 14134

Re: New 2019 RAV4 is now out - looks good

Noise vibration and harshness. The reviews also say that pretty much everything about the Rav-4 is worse than the competition so it’s clearly your typical mediocre Toyota appliance. Best reliability in its class. So there is that. Also best MPG. Big deal the reliability difference between that and ...
by FoolStreet
Mon Apr 01, 2019 5:18 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 128
Views: 14134

Re: New 2019 RAV4 is now out - looks good

Reviews say the NVH is appreciably worse than the competition (Honda/Mazda/Subaru); & that Toyota plans to address the problem 'next year' ... What is NVH and can you elaborate on the issue? NVH == noise, vibration, & harshness. Ex (Consumers Reports): "The RAV4’s ride is stiff and a little jumpy, ...
by FoolStreet
Mon Apr 01, 2019 4:58 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 128
Views: 14134

Re: New 2019 RAV4 is now out - looks good

Reviews say the NVH is appreciably worse than the competition (Honda/Mazda/Subaru); & that Toyota plans to address the problem 'next year' ... What is NVH and can you elaborate on the issue? Noise vibration and harshness. The reviews also say that pretty much everything about the Rav-4 is worse tha...
by FoolStreet
Mon Apr 01, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 128
Views: 14134

Re: New 2019 RAV4 is now out - looks good

Reviews say the NVH is appreciably worse than the competition (Honda/Mazda/Subaru); & that Toyota plans to address the problem 'next year' ... I did a google search on 2019 RAV4 Hybrid NVH comparison and found no issues. On the second page, I found a link to a thread on bogleheads about 2 hours old...
by FoolStreet
Mon Apr 01, 2019 4:10 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 128
Views: 14134

Re: New 2019 RAV4 is now out - looks good

scotthal wrote:
Mon Apr 01, 2019 4:04 pm
Reviews say the NVH is appreciably worse than the competition (Honda/Mazda/Subaru); & that Toyota plans to address the problem 'next year' ...
What is NVH and can you elaborate on the issue?
by FoolStreet
Mon Apr 01, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 128
Views: 14134

Re: New 2019 RAV4 is now out - looks good

Toyota debuts the redesigned RAV4 at NY Auto show, and I like what I see so far. Thanks that the ugly gaping fishmouth grille is absent. Toyota is finally getting on-board with Apple CarPlay but for some reason Android Auto isn't available. Engine is conventional inline 4 with no experimental turbo...
by FoolStreet
Mon Apr 01, 2019 10:22 am
Forum: Personal Investments
Topic: Mega Backdoor roth questions
Replies: 17
Views: 1083

Re: Mega Backdoor roth questions

Awesome help guys! I went ahead and called them. If I proceeded one more screen further, I would have got the answer myself :D Check made payable to: VANGUARD For the benefit of: XXXXXXX Account type: Taxable to roth IRA Total Rollover XXX After tax to roth IRA rollover $XXXX Taxable to roth IRA ro...
by FoolStreet
Sun Mar 31, 2019 11:56 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 12625

Re: Folks in their 60s and above. What early investment on health do you recommend.

Rob1 wrote:
Sun Mar 31, 2019 3:30 pm
If I could offer you only one tip for the future, sunscreen would be it
I see what you did there.
by FoolStreet
Sun Mar 31, 2019 11:40 pm
Forum: Personal Consumer Issues
Topic: Best Book to Understand Shakespeare?
Replies: 16
Views: 1013

Re: Best Book to Understand Shakespeare?

Next Boglehead meetup at the Ashland Oregon Festival? Or straight to Stratford upon Avon?
by FoolStreet
Sun Mar 31, 2019 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax from Costco = Neverending phone queue
Replies: 6
Views: 1050

Re: Turbotax from Costco = Neverending phone queue

Thanks everyone! There is an unwritten rule that all customer support calls get disconnected once, which happened, but when I called back the 2nd time the agent was SUPER helpful and just authenticated me lickety split and now I'm downloading from intuit.com. Yay. Long queues are to be expected call...
by FoolStreet
Sun Mar 31, 2019 10:17 pm
Forum: Personal Investments
Topic: Mega Backdoor roth questions
Replies: 17
Views: 1083

Re: Mega Backdoor roth questions

thanks guys. Things are definitely more clearer than More research leads me to this in my plan There is a withdrawal option that takes me through options - It says I have X eligible for rollover. Screen 1 After Tax Source Withdrawal Amount available based on your specific plan rule - $XXXX (this ma...
by FoolStreet
Sun Mar 31, 2019 9:21 pm
Forum: Personal Investments
Topic: Mega Backdoor roth questions
Replies: 17
Views: 1083

Re: Mega Backdoor roth questions

thanks guys. Things are definitely more clearer than More research leads me to this in my plan There is a withdrawal option that takes me through options - It says I have X eligible for rollover. Screen 1 After Tax Source Withdrawal Amount available based on your specific plan rule - $XXXX (this ma...
by FoolStreet
Sun Mar 31, 2019 8:16 pm
Forum: Investing - Theory, News & General
Topic: What accounts do you have for your kids?
Replies: 27
Views: 1688

Re: What accounts do you have for your kids?

Note - I may not have been as clear as I should have been, I'm not looking for a college savings vehicle here for him. Then do nothing. No accts with his name until he gets his own ROTH IRA. so then I wonder - I made plenty of mistakes early on in my investing career. What would be the best curricu...
by FoolStreet
Sun Mar 31, 2019 8:03 pm
Forum: Investing - Theory, News & General
Topic: What accounts do you have for your kids?
Replies: 27
Views: 1688

Re: What accounts do you have for your kids?

Just wondering what accounts do you have for your kids? Right now mine don't have earned income so I don't do a Roth IRA.. I have a savings account (ally) right now that's all they have in his name. I have a brokerage account that's in my name but I'm treating it as his. I also have a 529 for him. ...