Search found 4485 matches

by 123
Wed Apr 24, 2019 3:09 pm
Forum: Personal Investments
Topic: waiting for over 1 year to buy Norfolk Southern!
Replies: 21
Views: 1083

Re: waiting for over 1 year to buy Norfolk Southern!

If you want to own Norfolk Southern just buy 1 share to hold and treasure while you wait for the price to go down. You will begin to recapture your family legacy while you wait for the price to go down, which might not happen.
by 123
Wed Apr 24, 2019 2:57 pm
Forum: Personal Consumer Issues
Topic: Digital Nomad - Automobile Insurance Issues
Replies: 8
Views: 292

Re: Digital Nomad - Automobile Insurance Issues

Even if the OP is going to be out of the area his address could still be her address. Her mail could be allowed to accumulate there while she maintains a careful schedule of contacts and billings and checks her accounts for billings online. While using the OP address she could also file a temporary ...
by 123
Wed Apr 24, 2019 2:49 pm
Forum: Personal Investments
Topic: Sell or hold onto small land investment?
Replies: 9
Views: 334

Re: Sell or hold onto small land investment?

Real estate prices go up and down. If the real estate market has gone up significantly since your purchase you should sell. Local real estate markets can experience prolonged periods of "feast or famine". If prices are up now collect your winnings.
by 123
Wed Apr 24, 2019 12:26 am
Forum: Personal Finance (Not Investing)
Topic: How to deal with job stress related to health issues
Replies: 7
Views: 851

Re: How to deal with job stress related to health issues

If the stress of a business trip is a possible trigger perhaps you need to eliminate business trips. For certain kinds of products and sales methods the elimination of business trips may not be realistic. So it might be time to look in applying your product/sales skills into opportunities with other...
by 123
Tue Apr 23, 2019 11:24 pm
Forum: Personal Investments
Topic: Which tax lots to sell?
Replies: 7
Views: 558

Re: Which tax lots to sell?

When selling assets with gains it is essential to consider the tax consequences. Of course the best option is to calculate things out using different alternatives and see what seems to be the most favorable. If your income is low in 2019 it may be wise to take a lot of capital gains. If you take tho...
by 123
Tue Apr 23, 2019 10:42 pm
Forum: Personal Consumer Issues
Topic: Mechanic mishap - able to stop significant damage - how to avoid in future?
Replies: 57
Views: 2972

Re: Mechanic mishap - able to stop significant damage - how to avoid in future?

Some years ago when I went to pick up my car from a shop with new tires and brakes (my car was fine) I saw them put a van on the hydraulic hoist and start to raise it. The person operating the lift apparently wasn't paying attention and allowed the van to crash up into the roof of the shop causing a...
by 123
Tue Apr 23, 2019 10:26 pm
Forum: Investing - Theory, News & General
Topic: AA Question: How to represent cash in allocation
Replies: 13
Views: 670

Re: AA Question: How to represent cash in allocation

I look at cash as being money I can count on, without risk. Part of our bond allocation is held in CDs and treasuries. The yields are generally higher than a MMF. With care in maturity dates and laddering we only need a real "emergency fund" of 3 to 6 months of expenses in a high yield savings accou...
by 123
Tue Apr 23, 2019 10:20 pm
Forum: Personal Consumer Issues
Topic: Nonfinancial value of state university vs private college (USC)?
Replies: 57
Views: 2164

Re: Nonfinancial value of state university vs private college (USC)?

Will either school permit him to defer admission for a year (while he tries the other one out)? I don't know about the "neighborhood" of the Maryland school but USC is located in an unfavorable neighborhood. If a student lives on campus then the neighborhood is less of an issue since the campus has ...
by 123
Tue Apr 23, 2019 10:02 pm
Forum: Personal Investments
Topic: Techniques for doing NOTHING?
Replies: 43
Views: 3599

Re: Techniques for doing NOTHING?

I have found that using a Vanguard LifeStrategy fund that matches our desired asset allocation as a 100% position in multiple tax-deferred accounts has caused me not to check those accounts beyond the quarterly paper statements we receive. We accept the disadvantages of doing this as a "good" option...
by 123
Mon Apr 22, 2019 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign property/family issue
Replies: 31
Views: 1447

Re: Foreign property/family issue

Does your wife have siblings? Are there any other grandchildren or will your child be the first? If their only grandchild lives in the US perhaps MIL and FIL would relocate to the US permanently to assist in the raising of the grandchild ( perhaps from a replacement condo/home near you). That could ...
by 123
Mon Apr 22, 2019 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbors sump pump pipe on my property
Replies: 25
Views: 2922

Re: Neighbors sump pump pipe on my property

You likely would need to give him a formal recorded easement depending on the requirements in your state. You need to determine the price for the easement since it will impact the price, marketability, and potential use of your property for all eternity. If there are any loans on your property you n...
by 123
Mon Apr 22, 2019 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Father's POA Issue: Who has POA, successor or attorney?
Replies: 11
Views: 1103

Re: Father's POA Issue: Who has POA, successor or attorney?

There seems to a family history of lack of communication regarding the husband's father. While a POA may have initially been used as a convenience if the father's condition has declined to the point that he is no longer able to direct his own financial affairs it could be more expedient to have your...
by 123
Mon Apr 22, 2019 3:50 pm
Forum: Personal Investments
Topic: domicile brokerage and retirement accounts
Replies: 4
Views: 287

Re: domicile brokerage and retirement accounts

If you're leaving the country just cash everything out and take the money (what's left) with you. That way you avoid tax conflicts of having money in a country different then where you reside. If you're a US citizen don't forget to fill your US taxes every year regardless of where you reside.
by 123
Sun Apr 21, 2019 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate capital gains
Replies: 8
Views: 886

Re: Real estate capital gains

Likely it doesn't matter but California currently allows beneficiary deeds which can allow real estate to pass to a beneficiary upon death without probate, the same as the beneficiary on a bank account. However, as a joint owner of the property you sister could likely object to the sale/disposal of ...
by 123
Sun Apr 21, 2019 5:57 pm
Forum: Personal Investments
Topic: Highest priced ETFs
Replies: 22
Views: 968

Re: Highest priced ETFs

First Republic seems to have a commission based on number of shares with a minimum of $22.00 https://www.firstrepublic.com/~/media/frb/documents/pdfs/pwm/brokerage/frsconline-brokerage-commission-schedule.pdf?bodylink=Trading%20Commissions%20(PDF) You must be in love with them to pay that kind of co...
by 123
Sun Apr 21, 2019 3:04 pm
Forum: Personal Consumer Issues
Topic: Tips for getting the most out of your cruise?
Replies: 60
Views: 3821

Re: Tips for getting the most out of your cruise?

Even on sedate ships you could be amazed by the amount of alcohol that gets consumed. We're not into alcohol so it took a little getting used to since much of the entertainment occurred in bars and lounges. But if you're not interested in alcohol you can ignore it and enjoy the cruise. Alcohol is ne...
by 123
Sun Apr 21, 2019 2:55 pm
Forum: Personal Investments
Topic: Taxable Brokerage Fund Question
Replies: 22
Views: 1448

Re: Taxable Brokerage Fund Question

Thank you for your service.
by 123
Sat Apr 20, 2019 8:07 pm
Forum: Personal Investments
Topic: Absolute Beginner Question
Replies: 11
Views: 1162

Re: Absolute Beginner Question

Also be aware that it's highly likely that your adviser is just hooking your account up to a standardized template her firm has established. Her job is sales and keeping customers, not making investing decisions beyond picking a template for you. You'll find a lot of discussions here, investing isn'...
by 123
Sat Apr 20, 2019 3:26 pm
Forum: Personal Consumer Issues
Topic: Advice on non warrantable condo in Bellingham
Replies: 17
Views: 1436

Re: Advice on non warrantable condo in Bellingham

Watty wrote:
Sat Apr 20, 2019 6:23 am
... You can make a low offer and the worst they can do is decline it.
Maybe not. In the worst case for the OP they might accept the offer.

Real estate "bargains" usually aren't.
by 123
Fri Apr 19, 2019 11:31 pm
Forum: Investing - Theory, News & General
Topic: Market timers thread
Replies: 178
Views: 10369

Re: Market timers thread

Buy low, sell high.
by 123
Fri Apr 19, 2019 11:12 am
Forum: Personal Investments
Topic: Yieldstreet
Replies: 9
Views: 617

Re: Yieldstreet

Have you looked at the Yieldstreet website? A recent offering "Global Marine Transport Capital facilitated the closing of a short-term loan collateralized by three vessels intended for onward deconstruction and recycling". Yes they are alternative investments that regular retail investors will have ...
by 123
Thu Apr 18, 2019 9:47 pm
Forum: Personal Consumer Issues
Topic: Is it worth renting a car in Vegas?
Replies: 22
Views: 1669

Re: Is it worth renting a car in Vegas?

In some cases parking can be so far distant from where you want to go that you could regret driving. So driving can be a liability. If you win some jackpots though it might be reasonable to take advantage of valet parking.
by 123
Thu Apr 18, 2019 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: 1099 Interest on savings bond for kid
Replies: 3
Views: 308

Re: 1099 Interest on savings bond for kid

...Received 1099(s) from the bank attributing the interest to the parents (no mention of the kids). The amounts in question aren't huge, but is this income truly attributable to the parent, or to the kid?... The income will be attributed to the SSN you told the bank to report it under (likely when ...
by 123
Thu Apr 18, 2019 8:35 pm
Forum: Personal Investments
Topic: Should I repatriate my cash?
Replies: 19
Views: 1717

Re: Should I repatriate my cash?

How old are you?

How much money are we talking about (USD equivalent)?

Do you ever expect to return to Europe to live (or retire)?
by 123
Thu Apr 18, 2019 3:31 pm
Forum: Personal Investments
Topic: Currently with Schwab private client--and decided to get out--but what to do
Replies: 15
Views: 1307

Re: Currently with Schwab private client--and decided to get out--but what to do

If you're used to Schwab you may want to stay there but just do things on your own. This website has a lot of info to give you some perspectives. The biggest issue you face is in taxable accounts to avoid taxes where possible, or offset gains with losses. Now it's possible that your advisers just ha...
by 123
Thu Apr 18, 2019 12:51 am
Forum: Personal Consumer Issues
Topic: Priority Express 1-Day might in effect by a 2-Day service?
Replies: 10
Views: 567

Re: Priority Express 1-Day might in effect by a 2-Day service?

If you're mailing something soon Good Friday as well as Easter Sunday may impact the speed of service since some businesses and services adjust operating hours and service commitments due to holiday schedules. Some holidays have more impact in some communities and locations than others.
by 123
Thu Apr 18, 2019 12:25 am
Forum: Personal Finance (Not Investing)
Topic: How to find an engineer to inspect a dam wall
Replies: 27
Views: 1771

Re: How to find an engineer to inspect a dam wall

The mention that the pond/dam has been there "many years" would make me question it all the more. "Many years" ago the expectations for construction of artificial ponds/dams were undoubtedly quite different than what we expect today. Is the pond/dam unique to the neighborhood or are there others all...
by 123
Wed Apr 17, 2019 5:22 pm
Forum: Personal Investments
Topic: Buying VTI or VTSMX for retirement in fidelity brokerage
Replies: 8
Views: 729

Re: Buying VTI or VTSMX for retirement in fidelity brokerage

The Vanguard mutual fund transaction fee at Fidelity for a purchase is $75.00 so it is likely more economical to use Vanguard ETFs at Fidelity than Vanguard mutual funds at Fidelity. While the Vanguard mutual fund transaction fee is high at Fidelity I have gratefully paid it a couple of times when I...
by 123
Wed Apr 17, 2019 9:16 am
Forum: Personal Investments
Topic: Why buy a CD with a brokerage firm?
Replies: 17
Views: 1186

Re: Why buy a CD with a brokerage firm?

Brokerage CDs facilitate investing in CDs for a lot of people. I have assisted older relatives over the years with their accounts and it becomes tedious and an annoyance for them if they have to have to deal with paperwork to open and close CDs with various banks. Plus they have the reinvestment ris...
by 123
Tue Apr 16, 2019 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Jury Duty questions
Replies: 20
Views: 2066

Re: Jury Duty questions

In a post from 2011 the OP indicated California residence. I believe most counties in California allow you one postponement of jury duty. The option for a postponement often appears on the jury duty summons itself or there is a mechanism to call-in or log-in to take advantage of it. So the OP can li...
by 123
Tue Apr 16, 2019 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer Evaluation - FANG
Replies: 92
Views: 7822

Re: Job Offer Evaluation - FANG

Take the new job offer and be proud. If you turn down the new job offer what more would you reasonable expect to be offered to make you move?

As an aside the more jobs you have had the easier it is to get (and take) a new better offer in the FANG world.
by 123
Tue Apr 16, 2019 8:52 pm
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 101
Views: 5690

Re: What Are Your Simple Pleasures?

Walking our child to elementary school in the morning. After a year or two she wouldn't let us walk her all the way to the front of the school, we could only go so far as the nearest corner to the school, after which she would appear to have walked herself to school to her friends.
by 123
Tue Apr 16, 2019 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Leave Job to Spend Time with Disabled Spouse?
Replies: 13
Views: 1827

Re: Leave Job to Spend Time with Disabled Spouse?

...His: $800k 401(k) John Hancock... As others have noted you appear to be in fine financial shape. I would share your concerns about health insurance. The only thing that really sticks out to me is his John Hancock 401(k) when you seem to be pretty much Vanguard on most other stuff. John Hancock i...
by 123
Tue Apr 16, 2019 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Universal Life Policy Lincoln Financial - what to do?
Replies: 14
Views: 1204

Re: Universal Life Policy Lincoln Financial - what to do?

Since it's basically annual renewable term insurance with the premium going up each year along with the expected mortality I would concur that the policy has served it's purpose and can be allowed to lapse.
by 123
Tue Apr 16, 2019 7:02 pm
Forum: Personal Consumer Issues
Topic: Do you pick up after renting a vacation rental?
Replies: 51
Views: 3402

Re: Do you pick up after renting a vacation rental?

It really depends on how you were raised. If you were raised to clean up after yourself then you can't stop yourself from doing it. In fact you wouldn't feel comfortable unless you did pick up after yourself.

Those that never internalized picking up after themselves are another story.
by 123
Tue Apr 16, 2019 6:40 pm
Forum: Personal Investments
Topic: Anyone here have experience with Zacks or Personal Capital managing their investments
Replies: 33
Views: 2444

Re: Anyone here have experience with Zacks or Personal Capital managing their investments

For investors wishing some advice the Vanguard Personal Advisory Service is normally recommended since it only costs .3%. You could try that for awhile and perhaps after a year or so you'll decide you can do it by yourself. Vanguard will recommend Vanguard funds which are low-cost. The risk with oth...
by 123
Tue Apr 16, 2019 6:29 pm
Forum: Personal Investments
Topic: retirement investment
Replies: 2
Views: 365

Re: retirement investment

Since you're in the 11% federal tax bracket I would go with BND.
by 123
Tue Apr 16, 2019 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Basis for shares received as gift a long time ago?
Replies: 4
Views: 362

Re: Basis for shares received as gift a long time ago?

There are various on-line sites that may help you. One site shows that GE shares prices (split adjusted I assume) did not exceed $1.00 until 1985. https://www.macrotrends.net/stocks/charts/GE/general-electric/stock-price-history If that's accurate than you may be almost as well off just using a zero...
by 123
Tue Apr 16, 2019 3:26 pm
Forum: Personal Consumer Issues
Topic: Considering an e bike or conversion kit
Replies: 20
Views: 922

Re: Considering an e bike or conversion kit

While it has to be granted that there may be some individuals who need an e-bite instead of a regular bike due to physical limitations when I'm out riding my regular bike the thing that strikes me about those on e-bikes is that they really aren't likely to get much exercise (it shows that they haven...
by 123
Tue Apr 16, 2019 3:20 pm
Forum: Investing - Theory, News & General
Topic: Career Advice: Is active management really dying?
Replies: 28
Views: 3123

Re: Career Advice: Is active management really dying?

Remember that the job of a FA is essentially sales. Your income depends on your ability to keep the existing book of business as well as your ability to expand it. You will likely end up giving most of your clients the same investments since that is what make it easiest for you and allows you to be ...
by 123
Tue Apr 16, 2019 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Parents added siblings and I to house title, possible to undo without negative consequences?
Replies: 37
Views: 1566

Re: Parents added siblings and I to house title, possible to undo without negative consequences?

Wouldn’t you have had to sign something in order to be put on the title? In California the recorded deed process has the grantor sign the deed which transfers ownership to the grantee. The grantee signs nothing that gets recorded on official records. IF there is a mortgage there are separate record...
by 123
Tue Apr 16, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: Washing Machine that uses a LOT of Water
Replies: 73
Views: 4122

Re: Washing Machine that uses a LOT of Water

bagelhead wrote:
Tue Apr 16, 2019 10:38 am
...Does anyone have any specific recommendations for a washing machine that uses a LOT of water?...
You can adapt any washing machine to use more water. Simply put fewer clothes in each load. If you want to use twice as much water just put half the amount of clothes in.
by 123
Tue Apr 16, 2019 9:33 am
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 101
Views: 5690

Re: What Are Your Simple Pleasures?

Going for a bike ride. No, not a "training ride" or anything involving Lycra or special shoes. Just a simple bike ride on a normal bicycle, maybe to the park, or the store to pick up a few things, or just to see how the neighborhood's doing. +1 Been biking and enjoying it since age 7. It never gets...
by 123
Mon Apr 15, 2019 11:40 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 9774

Re: seriously thinking about leaving S. CA but where to?

Do you know the way to San Jose (California)? The beach is over the hill in Santa Cruz with lots of options.
by 123
Mon Apr 15, 2019 11:37 pm
Forum: Personal Investments
Topic: Valuing Individual Stock in Portfolio
Replies: 11
Views: 733

Re: Valuing Individual Stock in Portfolio

Treat the individual stock as an outcast black sheep of your portfolio. As an outcast it should always live in a separate "pen" to avoid infecting the rest of your portfolio. Just ignore it in your asset allocation. Don't let it over/under weight the other factors in your allocation. As an individua...
by 123
Mon Apr 15, 2019 6:30 pm
Forum: Personal Investments
Topic: Itemized deduction for CA Taxes
Replies: 11
Views: 1066

Re: Itemized deduction for CA Taxes

If your federal itemized deductions are limited by the SALT limitation and you file a California return as well you can itemize without the SALT limitation on the state return. Turbo Tax California State version does it easily.
by 123
Mon Apr 15, 2019 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 156
Views: 14187

Re: In Laws Retirement Nest Egg

2. What are our options if they do run out? If they spend down their assets, besides their home, and their income is low they may qualify for Supplemental Security (SSI) Income which is operated by the Social Security Administration. This is a "needs" based program that guarantees a certain minimal...
by 123
Mon Apr 15, 2019 9:19 am
Forum: Personal Finance (Not Investing)
Topic: What defines "income" on a retiree's credit card application?
Replies: 102
Views: 5962

Re: What defines "income" on a retiree's credit card application?

They often ask for income not taxable income. If you have investments there are typically capital gains (whether they are realized or not). Taxable income, from a tax return, may not be an indicator at all when you consider the exemption of muni bond interest etc. Rental income may be offset for tax...
by 123
Sun Apr 14, 2019 11:35 pm
Forum: Personal Consumer Issues
Topic: How to fix jerky images on streaming TV?
Replies: 29
Views: 1580

Re: How to fix jerky images on streaming TV?

How old is your wi-fi router? Most older routers support the B, G, and N wi-fi protocols but the newer AC protocol seems to work much better for video streaming in my experience (your TV with higher resolution likely requires more bandwidth than phone or tablet streaming).