Search found 1993 matches

by 123
Mon May 29, 2017 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Moving overseas and investing
Replies: 2
Views: 58

Re: Moving overseas and investing

There are a lot of positive comments about Charles Schwab working well for expat investors. You may want to contact them and see if they would work for your situation.
by 123
Mon May 29, 2017 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio at EJ but have regrets now
Replies: 3
Views: 116

Re: Portfolio at EJ but have regrets now

Life is too short to spend any time having regrets about where your investments are held.

The consensus on investing with Edward Jones seems to be that there is one positive aspect, everyone who then leaves Edward Jones is spectacularly happier.
by 123
Mon May 29, 2017 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: How to buy brk.a?
Replies: 5
Views: 249

Re: How to buy brk.a?

To be in style and be fashionable it's best to buy BRK.A in even lots of 100 shares.
by 123
Mon May 29, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Losing money on vehicle, should I or shouldn't I?
Replies: 6
Views: 287

Re: Losing money on vehicle, should I or shouldn't I?

You have my permission to get rid of your headache. You don't have my permission to acquire a new one.
by 123
Mon May 29, 2017 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: help me decide of I should use this wealth manager
Replies: 9
Views: 566

Re: help me decide of I should use this wealth manager

It sounds like this potential investment firm only makes the real money when you make a lot of money. As a result they will invest in higher-risk areas that are more likely to pay off. Of course they don't always pay off. When the risks they take don't pay off you lose money but they can continue to...
by 123
Mon May 29, 2017 1:32 am
Forum: Personal Consumer Issues
Topic: House Shopping: Some Doors Open/Close Poorly, Foundation Problem?
Replies: 18
Views: 1071

Re: House Shopping: Some Doors Open/Close Poorly, Foundation Problem?

Boats day wrote:Ask for another showing and bring a 8 foot level with you.



If there are wood or tile floors you could also just bring a few marbles. Put them on the floor and see where roll and how fast.
by 123
Sun May 28, 2017 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: biz renter skipped out - what are options
Replies: 4
Views: 996

Re: biz renter skipped out - what are options

Anything you do to publicize the "dead beat" biz renter situation you had will unfortunately likely reduce the probability of your family being able to recover any unpaid rent from him. If the biz renter's reputation is tarnished he is less likely to attract customers etc. It's a cruel wor...
by 123
Sat May 27, 2017 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America Credit Card
Replies: 2
Views: 532

Re: Bank of America Credit Card

Maybe you should remove the line from your credit report requesting proof of identify and then put it back in after you have the credit line/card you are currently applying for.
by 123
Fri May 26, 2017 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: How would you invest $5000
Replies: 9
Views: 1077

Re: How would you invest $5000

It can be helpful to post in this format: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 Do you have earnings that could qualify you for an IRA (Either Traditional or Roth)? If employed does your employer offer a 401K? How you decide to invest should consider your total financial pict...
by 123
Fri May 26, 2017 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Private Pension Cuts
Replies: 29
Views: 3244

Re: Private Pension Cuts

If pension benefits are vested they are pretty much guaranteed subject to PBGC guarantees. Companies are free to change their pension plans. Generally those changes impact only future earned benefits. If a company decided to reduced their pension plan those changes would impact current and future em...
by 123
Fri May 26, 2017 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: What Fees can be added to cost basis
Replies: 2
Views: 425

Re: What Fees can be added to cost basis

I would bet that the wire fees would be deductible investment expenses but that they would not be able to be used to increase the cost basis.
by 123
Fri May 26, 2017 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Is It Worth It? [to continue collecting Social Security Disability]
Replies: 3
Views: 808

Re: Is It Worth It?

Not to be grim but collectively individuals who receive disability benefits likely have a higher mortality rate then those that do not. Accordingly you may be better off receiving retirement benefits at your FRA. Based on your pension income and IRA it just doesn't seem to me that you'd gain a mater...
by 123
Fri May 26, 2017 9:05 am
Forum: Personal Finance (Not Investing)
Topic: New car doc fees
Replies: 42
Views: 2510

Re: New car doc fees

While I don't know the extent of the employee discount for vehicles, and whether it varies by model, I would check to be sure that I couldn't get a suitable vehicle, perhaps another brand from a different dealer, without the "discount" for less. Keep your eyes open.
by 123
Thu May 25, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: Plumbing issue
Replies: 6
Views: 989

Re: Plumbing issue

I don't really know anything about this but I would guess that the "click" is simply a noise from pipe movement within the wall when the water is abruptly turned off. Maybe one of the "pipes" is loosely mounted or rubs against something. But remember I don't know anything about t...
by 123
Thu May 25, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Stockpile Website
Replies: 7
Views: 1153

Re: Stockpile Website

Why not just give them a check/cash and leave all their options open?
by 123
Thu May 25, 2017 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: How would you invest $50k in 529 with 11 years to College?
Replies: 27
Views: 1988

Re: How would you invest $50k in 529 with 11 years to College?

While we did not use 529 plans when investing for our children in separate accounts we used only an S&P 500 fund and (later) a Total Stock Market Index fund. It worked out very well for us. Had the stock market eroded by the time disbursements were necessary we just would have funded college fro...
by 123
Thu May 25, 2017 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: When does Saving become missing out on life?
Replies: 71
Views: 7317

Re: When does Saving become missing out on life?

The best things in life are free.
by 123
Thu May 25, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: Air Conditioning unit / fix or replace
Replies: 13
Views: 844

Re: Air Conditioning unit / fix or replace

I had a compressor fail while I was in the process of selling a house a few years back. I seem to recall there was a significant price difference between a "new" versus a "refurbished" compressor, I don't know if "refurbished" are still available. At the time the house ...
by 123
Thu May 25, 2017 10:02 am
Forum: Investing - Theory, News & General
Topic: Why do Hardship Withdrawals Increase in the Summer?
Replies: 13
Views: 1619

Re: Why do Hardship Withdrawals Increase in the Summer?

I'd say the most likely seasonal reason is purchase of a principal residence. It is sad to think that it costs a 10% tax penalty to get access to the funds before age 59.5 generally.
by 123
Thu May 25, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: best way to buy tires
Replies: 42
Views: 2457

Re: best way to buy tires

I buy pretty boring tires. I normally buy Michelin Defenders since they've been well-rated by Consumers Reports for awhile. I usually get them at Costco which does the installation and balancing. It's just so ho-hum.
by 123
Wed May 24, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: Rewiring a knob and tube house
Replies: 15
Views: 1646

Re: Rewiring a knob and tube house

You undoubtedly want more outlets as well so go for it.
by 123
Wed May 24, 2017 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Guaranteed fund instead of Bond fund?
Replies: 8
Views: 412

Re: Guaranteed fund instead of Bond fund?

I would use it if it was available to me.
by 123
Mon May 22, 2017 10:50 pm
Forum: Personal Consumer Issues
Topic: Restoring Church Pew
Replies: 4
Views: 553

Re: Restoring Church Pew

OMG An alternative would be to enlarge your home to accommodate the 12 foot pew. I don't know that going beyond shortening the existing pew is a economical project. I would think it might be hard, and expensive, to find matching pew ends to create a matching set. But maybe you don't necessarily want...
by 123
Mon May 22, 2017 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest Church Money
Replies: 54
Views: 3738

Re: How to Invest Church Money

There are a number of faiths where the national organization allows local congregations to "invest" in some type of consolidated investment plan. Sometimes it gets referred to as a building program or something along those lines. These kind of church-related investment programs often have ...
by 123
Sun May 21, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: Risks of electronic access
Replies: 57
Views: 4255

Re: Risks of electronic access

I have heard the safest electronic access is with a smartphone using "data" with the smartphone wifi turned off.
by 123
Sun May 21, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Where to open taxable account?
Replies: 9
Views: 1067

Re: Where to open taxable account?

I would suggest Schwab or Fidelity. They are both discount brokers that will probably have anything you might be interested in buying at some time in the future. If you have generally curious about investments they have a broad range of online information and research, it available without having to...
by 123
Sun May 21, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: What happens to a 1 person business if the owner dies?
Replies: 12
Views: 1459

Re: What happens to a 1 person business if the owner dies?

The best source of information might be the bar association for the state she practices in. I would expect there is some kind of guidance provided by them. You might want to introduce the topic in a discussion with your mother along the lines of "If you suddenly become ill or are hospitalized w...
by 123
Sat May 20, 2017 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on retirement plans
Replies: 4
Views: 565

Re: Advice on retirement plans

There are no income limits on non-deductible traditional IRAs. There are no income limits on "backdoor" Roth conversions. You can contribute to one for yourself and your wife could have one (a spousal) as well.
by 123
Sat May 20, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: Removing a Large TV - projector?
Replies: 7
Views: 601

Re: Removing a Large TV - projector?

Is the TV that you don't want a tube TV/CRT, a boxy projector TV, or a flat screen (plasma or led)? What is the screen size (typically measured diagonally)?
by 123
Fri May 19, 2017 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: New job - employee vs. contractor
Replies: 6
Views: 654

Re: New job - employee vs. contractor

Depending on the state you likely would have more rights as an employee then as a contractor. Employees usually have to be paid on a set schedule, contractors can be a different ball game. I'm not saying the business may fail but...
by 123
Thu May 18, 2017 3:14 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 12367

Re: For those with $500k-$1m in investments...

We're over $1 million with 85% tax deferred and 15% taxable. Due to the deferment of taxes the tax deferred accounts just keep getting higher and higher every year, it's amazing how they grow with such little effort.
by 123
Thu May 18, 2017 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to dispose of household effects (estate sale?)
Replies: 21
Views: 2658

Re: How to dispose of household effects (estate sale?)

We've had to clean out households in similar situations. The best perspective to take is that you want to pass personal stuff to people who want it and then to dispose of the rest of it. You will be done the fastest if you enter into the task with the thought that the idea is to pass the stuff along...
by 123
Wed May 17, 2017 11:54 pm
Forum: Personal Consumer Issues
Topic: Refinishing roughed in stairs - removing carpet
Replies: 44
Views: 1621

Re: Refinishing roughed in stairs - removing carpet

I'm wondering is it would end up working out better (and maybe be easier and maybe less expensive) to have the staircase completely replaced with stairs that are stained and fitted to the area. There may be a point where cutting/patching/staining is more work then a simple replacement. We renovated ...
by 123
Wed May 17, 2017 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: private stock held by sgl owner corp.
Replies: 3
Views: 130

Re: private stock held by sgl owner corp.

How much of your equity allocation does the current and future planned bank stock ownership represent? Is this your real money or is it "play money" (able to lose)?
by 123
Tue May 16, 2017 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX need advice [Vanguard Total Stock Market]
Replies: 65
Views: 6785

Re: 100% VTSAX need advice

If unexpected life events cause you to become permanently "retired" in a 50 percent market decline would your assets be sufficient?
by 123
Mon May 15, 2017 6:55 pm
Forum: Personal Consumer Issues
Topic: Checking account bonus churning and security clearance?
Replies: 4
Views: 491

Re: Checking account bonus churning and security clearance?

If I was applying for a security clearance I would want to project the appearance of a mundane and consistent financial history. Opening and closing a number of accounts over some time period may project a sense of evasiveness and financial inconsistency. If you need the bonus money that bad it may ...
by 123
Mon May 15, 2017 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Was there a $$$ number after which things got easier?
Replies: 72
Views: 9272

Re: Was there a $$$ number after which things got easier?

When daily market fluctuations in our portfolio sometimes exceed our annual contributions it seems like maybe we don't need to be concerned about continuing work/contributions. On really good/bad days market fluctuations in our portfolios have exceeded our annual earnings, these kind of things make ...
by 123
Sun May 14, 2017 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: How many firms do you use?
Replies: 39
Views: 2587

Re: How many firms do you use?

Our primary accounts are at Fidelity, Vanguard, and Schwab. We've got checking at local banks and some CDs with Ally Bank. For a couple it's easy to have a number of accounts, particularly with segregation by SSN for Traditional IRAs and Roths. Add in taxable investments, an inherited IRA, or two, a...
by 123
Sun May 14, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Forgoing Better Job just to Vest in 401k
Replies: 14
Views: 1082

Re: Forgoing Better Job just to Vest in 401k

Always go for the job that would give you the most satisfaction, life is just too short to do otherwise. Are you sure the 3 year vesting applies to the entire matching? Some years ago I had a friend who worked for a defense firm of some kind and her 401k vesting for matches put each matching contrib...
by 123
Sun May 14, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Check engine light comes on, need advice
Replies: 27
Views: 1130

Re: Check engine light comes on, need advice

What year and model car? How many exact miles? Some cars have a check engine light come on when you reach certain milestones just to remind you to do expected maintenance, in these cases there is really nothing wrong, it's just a service reminder!
by 123
Sat May 13, 2017 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Setting a periodic transfer / Dealing with a fiscal beggar
Replies: 26
Views: 2482

Re: Setting a periodic transfer / Dealing with a fiscal beggar

You could simply open a joint savings/checking account with them that provides for ATM access. If you have ownership in the account you can deposit/transfer money in (ACH/Check/whatever. To avoid overdrafts a checking account, without checks, might work. A savings account may have limits on the numb...
by 123
Sat May 13, 2017 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Help with older relative's investments
Replies: 10
Views: 875

Re: Help with older relative's investments

You could do a two-step for the relative. Ask Schwab if the investment manager can be removed from the account without disturbing the assets in the account (or maybe the assets would have to be transferred to a different account at Schwab). That eliminates the adviser fee. Second step is to realloca...
by 123
Sat May 13, 2017 3:01 pm
Forum: Investing - Theory, News & General
Topic: Best way to hold Treasury Bills???
Replies: 37
Views: 3264

Re: Best way to hold Treasury Bills???

We've been buying Treasuries at auction with no fee at Schwab and Fideltiy recently. They are both very convenient. Treasury Direct might be the way to go if you want a higher level or privacy, i.e. no brokerage reps would know you're a "high roller" and call you offering their "advis...
by 123
Fri May 12, 2017 2:37 pm
Forum: Investing - Theory, News & General
Topic: What are the benefits of turning-off dividend reinvestment (and capital gains too)?
Replies: 15
Views: 1894

Re: What are the benefits of turning-off dividend reinvestment (and capital gains too)?

We hold the same security, VTI Total Stock Market, in multiple accounts. We turned off automatic reinvestment to diminish the likelihood of unintentionally ending up with a "wash sale" complexity.
by 123
Wed May 10, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Samsung or LG tv?
Replies: 49
Views: 2646

Re: Samsung or LG tv?

We got an LG 4K tv a few months back and love it. We noticed that older black and white tv series look amazing good. I think that may be due to upscaling electronics or the 120 refresh rate. We had to have the main circuit board replaced under warranty, tech came out in 3 days, it was our first appl...
by 123
Sun May 07, 2017 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Solid justification for including all stocks & NO bonds?
Replies: 143
Views: 6071

Re: Solid justification for including all stocks & NO bonds?

Many folks with expected long working lives ahead of them might favor an all stock portfolio. The problem that arises with that position is that you never know when disability or misfortune may strike reducing or eliminating your future earnings potential. If you are in a situation of unfortunate ci...
by 123
Sun May 07, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: About to retire
Replies: 18
Views: 2866

Re: About to retire

Have advisor disclose how much upfront commission and fees they receive from riversource variable annuity, and you will soon know why they are pushing for it. Never heard of commission/fee disclosure from a traditional advisor. Will they actually do that? You can determine the "cost" of b...
by 123
Sat May 06, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Need help with tree
Replies: 20
Views: 982

Re: Need help with tree

I think this tree is on the way to being a distant cousin of Charlie Brown's Christmas Tree.
by 123
Fri May 05, 2017 9:21 am
Forum: Investing - Theory, News & General
Topic: Tips From Older Bogleheads?
Replies: 52
Views: 4316

Re: Tips From Older Bogleheads?

Slow and steady wins the race. Start early.
by 123
Thu May 04, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Help Mom SS Restricted Application Ex-Spouse
Replies: 3
Views: 461

Re: Help Mom SS Restricted Application Ex-Spouse

It's not really clear but the delayed retirement benefit credits that increase her benefit after full retirement age can't begin until she reaches full retirement age. So I agree the wording is odd for her circumstance. But she can get benefits as an ex-spouse as long as she's at least 62 and let he...

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