Search found 2724 matches

by Bacchus01
Tue Jun 18, 2019 6:48 am
Forum: Investing - Theory, News & General
Topic: Do VG reps/execs read this website for improvement suggestions?
Replies: 9
Views: 845

Re: Do VG reps/execs read this website for improvement suggestions?

I doubt this forum provides any feedback they're not already getting from the people who call them. They have several thousand customer support agents fielding a dozen or more calls a day. The (back of envelope estimate) 15,000 calls a day they get almost certainly provide more feedback than the po...
by Bacchus01
Mon Jun 17, 2019 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: HSA - 2 parts: contribute and spend. When to spend?
Replies: 28
Views: 1279

Re: HSA - 2 parts: contribute and spend. When to spend?

For us, we are planning for our HSAs to pay for major medical expenses in retirement, but likely before that we will use them as living expenses along with taxable withdrawals in order to maintain lower incomes for ACA and/or ROTH conversions. It may not work out that way but in the worst case we wi...
by Bacchus01
Mon Jun 17, 2019 4:13 pm
Forum: Investing - Theory, News & General
Topic: Why do large personal portfolios include bonds?
Replies: 106
Views: 6736

Re: Good or bad advice?

Bogleheads: In the 40's I had an acquaintance who was one of the founders of Polaroid and retired. He was about 60, very wealthy, and lived nearby. He had no children. My friend owned a large yacht but he spent most of his days playing golf which he loved. He told me that he had all of his investme...
by Bacchus01
Mon Jun 17, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 104
Views: 6733

Re: Article on high deductible health plans - and the math

We’ve been using our HDHP + HSA for about 10 years. We’ve never dipped into the HSA at all. We are a family of five with 3 boys. Two are teenagers. During that timeframe I think we’ve had 3 emergency room trips including a broken leg and 5 staples in a head wound. There have been routine doctor vis...
by Bacchus01
Mon Jun 17, 2019 2:41 pm
Forum: Personal Consumer Issues
Topic: Park City Utah Hiking
Replies: 25
Views: 1578

Re: Park City Utah Hiking

Timpanogos is a beautiful hike. I like to start it at 4 am and would recommend it as your one big hike. Another great hike is Wasatch Crest. On the weekend it will be heavily trafficked with mountain bikers, though. You can get a shuttle from the base of PCMR to the top of Guardsman and hike Wasatc...
by Bacchus01
Mon Jun 17, 2019 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Need advice - refinancing from 30 yr. to 10 yr. fixed mortgage
Replies: 39
Views: 2243

Re: Need advice - refinancing from 30 yr. to 10 yr. fixed mortgage

lepa71 wrote:
Sun Jun 16, 2019 8:23 pm
Just remember every time you refi you reset P and I proportions. You usually pay more interest in the begging.
What? No.
by Bacchus01
Mon Jun 17, 2019 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Need advice - refinancing from 30 yr. to 10 yr. fixed mortgage
Replies: 39
Views: 2243

Re: Need advice - refinancing from 30 yr. to 10 yr. fixed mortgage

Thanks...my numbers match and I subtracted $3,000 for the loan fees so it was a savings of around $8,000 over 10 years. I’m considering it since even if we pay it off in 5 years we still would save $4,000. Only downside to consider is that we are locked into the higher payment than if we kept the 3...
by Bacchus01
Mon Jun 17, 2019 5:37 am
Forum: Investing - Theory, News & General
Topic: Why do large personal portfolios include bonds?
Replies: 106
Views: 6736

Re: Why do large personal portfolios include bonds?

Put another way the hypothetical person has decided to invest for their heirs. That’s counterintuitive. If you are investing for heirs, then your timeline just changed to significantly longer. With that, you would be best served by equities. Holding bonds at a high rate in that portfolio would be f...
by Bacchus01
Sun Jun 16, 2019 7:31 am
Forum: Investing - Theory, News & General
Topic: How have your homes as investments done?
Replies: 213
Views: 21009

Re: How have your homes as investments done?

If I treated them as investments, they are losers. If you subtract out market-based rent, which is realistically a way to evaluate it, then maybe we’ve done okay. Bout our first house in 1999 for $124k and sold in 2004 for $156k. Made a little. Bought our second house in 2004 for $635k and sold it o...
by Bacchus01
Sun Jun 16, 2019 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 104
Views: 6733

Re: Article on high deductible health plans - and the math

We’ve been using our HDHP + HSA for about 10 years. We’ve never dipped into the HSA at all. We are a family of five with 3 boys. Two are teenagers. During that timeframe I think we’ve had 3 emergency room trips including a broken leg and 5 staples in a head wound. There have been routine doctor visi...
by Bacchus01
Sun Jun 16, 2019 7:12 am
Forum: Investing - Theory, News & General
Topic: Attention retirement savers: college 529 plans aren't just for kids
Replies: 5
Views: 1243

Re: Attention retirement savers: college 529 plans aren't just for kids

My wife and I have one for ourselves. We plan to roll them down to our kids or grandkids as needed. We contribute every year to ours and our kids to get the tax deduction. However, I plan to use mine for taking some classes in retirement as well. I’d like to learn how to weld. My wife is interested ...
by Bacchus01
Fri Jun 14, 2019 5:32 am
Forum: Personal Finance (Not Investing)
Topic: Side hustle: car rentals via turo
Replies: 16
Views: 1738

Re: Side hustle: car rentals via turo

I’d definitely like to know if anyone is renting their car on turro and how it is going.
by Bacchus01
Thu Jun 13, 2019 9:35 pm
Forum: Personal Consumer Issues
Topic: What do business pros wear on redeye Business Class flights
Replies: 50
Views: 6448

Re: What do business pros wear on redeye Business Class flights

UpperNwGuy wrote:
Thu Jun 13, 2019 6:35 pm
A button-down shirt, khaki pants, leather shoes, and I have a sport jacket that resides in the overhead storage. I refuse to wear jeans, sweat pants, polo shirts, tee shirts, sneakers, sandals, or other uber-casual clothes on an airplane.
Why? Comfort doesn’t matter to you?
by Bacchus01
Thu Jun 13, 2019 9:27 pm
Forum: Personal Consumer Issues
Topic: Side x Side/Utility Vehicle
Replies: 20
Views: 1231

Re: Side x Side/Utility Vehicle

Just read some of Polaris’ earnings reports on the massive recalls and massive warranty wrote-offs. It seems they are announcing recalls every month.

No way. Nada. Never.

Get a Bombardier/Can Am
by Bacchus01
Wed Jun 12, 2019 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 420
Views: 35939

Re: Why are your NOT buying rental properties?

Where on Earth is 4% annual appreciation modest? Southern California - my buddy bought his home in April 2002 in South Orange County for $285,000. It's appraised now for $650,000. That's a compounding rate of 4.8%. Now, yes, he has to pay interest, property taxes, HOA and maintenance.. however he g...
by Bacchus01
Wed Jun 12, 2019 5:38 am
Forum: Personal Finance (Not Investing)
Topic: Which Engineering Discipline for the next 20+ years !!!
Replies: 155
Views: 16016

Re: Which Engineering Discipline for the next 20+ years !!!

Which Engineering Discipline for the next 20+ years !!! This is a sequel to this discussion https://www.bogleheads.org/forum/viewtopic.php?f=2&t=171074 For a student getting into college this fall, which engineering discipline will you suggest. Student may not be a mere staff engineering, more anal...
by Bacchus01
Tue Jun 11, 2019 5:47 pm
Forum: Personal Consumer Issues
Topic: Pairing Sherwin Williams "Accessible Beige"
Replies: 16
Views: 931

Re: Pairing Sherwin Williams "Accessible Beige"

quantAndHold wrote:
Tue Jun 11, 2019 4:47 pm
Just use the accessible beige on the ceiling. Having a white ceiling will make the ceiling seem lower than just using the same color as the walls.
The opposite of this. Painting the ceiling same color as walls makes it feel lower.

I think that looks terrible
by Bacchus01
Tue Jun 11, 2019 4:30 pm
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 3721

Re: Tips for new pet owner

We have a vet that comes to our house, so costs are a bit higher but we love the convenience. Without that service fee, it would be very minimal overall. We feed him Kirkland. It’s not the cheapest, but it comes highly rated and is easy to get. He is very healthy so far. Train. Train. Train. That fi...
by Bacchus01
Tue Jun 11, 2019 4:26 pm
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 3721

Re: Tips for new pet owner

A dog should never be more than 2 feet away from owner and on a leash when being walked in a public space. Nothing worse than dealing with people who allow their animals to roam away from them. This is funny. My dog is 100lbs. If he was never more than 2 feet away he’d literally be on my lap at all...
by Bacchus01
Tue Jun 11, 2019 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Costco Visa credit limit
Replies: 48
Views: 3025

Re: Costco Visa credit limit

Odd. We have the Costco card. We actually overspent it once (due to putting a vacation on it). They didn't stop allowing charges.

When I noticed it, I called and told them I wanted it increased from $15K to $35K. They did it on the phone. Done.
by Bacchus01
Mon Jun 10, 2019 11:51 pm
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 233
Views: 12240

Re: I'm thinking about buying an exotic supercar anyone here done this and feedback?

Thanks for the info! Cool, to hear someone with an NSX on the forum! I'm definitely going to check out the NSX. I think it could make a lot of sense with how much the pricing has dropped. It's 200k new and yet a 2017 <6k at a local dealer for 140k. I'm going to go test drive this one that is relati...
by Bacchus01
Mon Jun 10, 2019 7:36 am
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 233
Views: 12240

Re: I'm thinking about buying an exotic supercar anyone here done this and feedback?

Buy whatever you want.

As for whether you are worried about it as a cost, there are choices to be made. For example, buying a current Ford GT is likely to depreciate some. Buying a mid-2000's Ford GT (the better looking car, IMHO) will likely not depreciate at all.
by Bacchus01
Sun Jun 09, 2019 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance immediately after new home purchase?
Replies: 24
Views: 1969

Re: Refinance immediately after new home purchase?

In m opinion, it doesn't make sense at all to refinance in this situation. You'll have to pay closing costs all over again (obviously) and you likely won't recover that money for quite some time. With that being said, if you plan to stay in the house and pay it off slowly over 30 years, you might c...
by Bacchus01
Sun Jun 09, 2019 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Which Engineering Discipline for the next 20+ years !!!
Replies: 155
Views: 16016

Re: Which Engineering Discipline for the next 20+ years !!!

Which Engineering Discipline for the next 20+ years !!! This is a sequel to this discussion https://www.bogleheads.org/forum/viewtopic.php?f=2&t=171074 For a student getting into college this fall, which engineering discipline will you suggest. Student may not be a mere staff engineering, more anal...
by Bacchus01
Sun Jun 09, 2019 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Which Engineering Discipline for the next 20+ years !!!
Replies: 155
Views: 16016

Re: Which Engineering Discipline for the next 20+ years !!!

OP, It is very simple. Stick with the major Engineering areas and you will be fine. Avoid any new and fancy engineering sub area. So, pick any one of those 4: 1) Electrical Engineering 2) Mechanical Engineering 3) Chemical Engineering 4) Civil Engineering If you want to specialize, do it at the mas...
by Bacchus01
Sun Jun 09, 2019 11:08 am
Forum: Personal Finance (Not Investing)
Topic: ReFi home to get 3.5% interest rate?
Replies: 31
Views: 3048

Re: ReFi home to get 3.5% interest rate?

Forget the monthly payment amount. You need to look at interest costs. $475K @ 4% means you are paying $19K/year in interest or ~$1,583/mo. $475 @ 3.5% means you are paying $16,625/year in interest or $1,385/mo. You would save $198/mo in interest To payback on the $2,500 costs, that's about 12.5 mo...
by Bacchus01
Sat Jun 08, 2019 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: ReFi home to get 3.5% interest rate?
Replies: 31
Views: 3048

Re: ReFi home to get 3.5% interest rate?

Forget the monthly payment amount. You need to look at interest costs. $475K @ 4% means you are paying $19K/year in interest or ~$1,583/mo. $475 @ 3.5% means you are paying $16,625/year in interest or $1,385/mo. You would save $198/mo in interest To payback on the $2,500 costs, that's about 12.5 mo...
by Bacchus01
Sat Jun 08, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8210

Re: Costco or Sam's Club?

For any cult where you have to pay just to be able to shop there.....it is wise to periodically price out a basket of normally purchased things. I have done this at BJs and Costco. (We have no Sam's....they knocked it down years ago and put in a Target). The times I've made comparisons to (not even...
by Bacchus01
Sat Jun 08, 2019 6:14 am
Forum: Personal Finance (Not Investing)
Topic: ReFi home to get 3.5% interest rate?
Replies: 31
Views: 3048

Re: ReFi home to get 3.5% interest rate?

Forget the monthly payment amount. You need to look at interest costs. $475K @ 4% means you are paying $19K/year in interest or ~$1,583/mo. $475 @ 3.5% means you are paying $16,625/year in interest or $1,385/mo. You would save $198/mo in interest To payback on the $2,500 costs, that's about 12.5 mon...
by Bacchus01
Fri Jun 07, 2019 9:44 pm
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 125
Views: 9762

Re: How did you all do in the month of May, 2019

Bacchus01 wrote:
Fri Jun 07, 2019 5:47 am
Bacchus01 wrote:
Fri May 31, 2019 9:16 pm
Down $135K
Recovered $80K of that so far. Couldn't TLH because of some transactions already in holding. Too bad.
Check that. $100K.
by Bacchus01
Fri Jun 07, 2019 5:47 am
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 125
Views: 9762

Re: How did you all do in the month of May, 2019

Bacchus01 wrote:
Fri May 31, 2019 9:16 pm
Down $135K
Recovered $80K of that so far. Couldn't TLH because of some transactions already in holding. Too bad.
by Bacchus01
Fri Jun 07, 2019 5:30 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy a home in a resort community?
Replies: 21
Views: 3171

Re: Should I buy a home in a resort community?

Many golf course communities are struggling. When the HOA fees required to maintain things climb to an onerous level, the market value of the homes can suffer greatly. The amenities which look nice can become a high cost albatross, like a noose around the necks of the homeowners. Proceed with cauti...
by Bacchus01
Wed Jun 05, 2019 8:12 pm
Forum: Personal Consumer Issues
Topic: What do business pros wear on redeye Business Class flights
Replies: 50
Views: 6448

Re: What do business pros wear on redeye Business Class flights

edge wrote:
Wed Jun 05, 2019 7:37 pm
What neck pillow do folks use? One that holds the head up to stop bobbing. I’ve tried several.
Now THAT is how you look like a rookie
by Bacchus01
Wed Jun 05, 2019 5:39 pm
Forum: Personal Consumer Issues
Topic: Company requiring salaried employees to clock in?
Replies: 92
Views: 4760

Re: Company requiring salaried employees to clock in?

I require my salaried employees to clock in so that theyre not late. They get warnings when theyre late. I find this absurd when the employees are working way more than 8 hours a day anyways. Do your employees leave right on time everyday also? Why not just hire them on as hourly if you treat them ...
by Bacchus01
Wed Jun 05, 2019 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Is it Wise to Remove Escrow if Bank Allows it?
Replies: 87
Views: 5429

Re: Is it Wise to Remove Escrow if Bank Allows it?

Devil's Advocate: I don't mind escrow one bit. The interest I might earn is immaterial to be. It's one (or two) fewer bills to worry about, and, I don't need to think about putting $x aside each month. It's easy and tempting to spend those dollars when they're not needed for 11 months. "I'll just p...
by Bacchus01
Wed Jun 05, 2019 12:17 pm
Forum: Personal Consumer Issues
Topic: Company requiring salaried employees to clock in?
Replies: 92
Views: 4760

Re: Company requiring salaried employees to clock in?

I require my salaried employees to clock in so that theyre not late. They get warnings when theyre late. If by "salaried" you mean "exempt", then I believe you may (depending on all the details) be in violation of aspects of labor law. Doesn't "exempt" mean exempt from labor laws? Not at all.
by Bacchus01
Wed Jun 05, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: Company requiring salaried employees to clock in?
Replies: 92
Views: 4760

Re: Company requiring salaried employees to clock in?

Hello all! I work for small manufacturing company and starting next week they are requiring all salaried employees to clock in/clock out. They didn't state a reason why, though I believe its because some people come in late. My first thought was whether it is even legal to do it, but after research...
by Bacchus01
Wed Jun 05, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: Company requiring salaried employees to clock in?
Replies: 92
Views: 4760

Re: Company requiring salaried employees to clock in?

my boss is a freak about start time, not just have to be in the office by 9AM and If you are a minute last you are to text him, he wants you in your seating working at 9AM, not getting your coffee or talking to co-workers. To me if you have nothing to hid it wouldn't bother me. Why would you work t...
by Bacchus01
Tue Jun 04, 2019 11:33 am
Forum: Personal Investments
Topic: Maximum amount of Tax Loss Harvesting advisable per year?
Replies: 27
Views: 1501

Re: Maximum amount of Tax Loss Harvesting advisable per year?

I try to TLH as much as possible. Most of it rolls forward. In 20 years, it’ll accumulate to the point that I can likely take capital gains to live on (offset by accumulated losses) while converting ROTH to stay under tax limits and significantly reducing my taxes in out years. It’s a long term play.
by Bacchus01
Tue Jun 04, 2019 11:28 am
Forum: Personal Investments
Topic: Buying farmland shares through AcreTrader
Replies: 10
Views: 956

Re: Buying farmland shares through AcreTrader

Looks like a terrible investment with high fees.

Want to buy farmland? Then buy farmland.
by Bacchus01
Tue Jun 04, 2019 5:10 am
Forum: Non-US Investing
Topic: Why house selling prices are generally not public?
Replies: 25
Views: 1782

Re: Why house selling prices are generally not public?

If it was on MLS, they are listed on Realtor.com

In our community sales with prices are listed in the paper

In our county they are listed on tax records, which are publicly accessible online

Short of a sign in the yard, I’d say they are very public.
by Bacchus01
Mon Jun 03, 2019 9:17 pm
Forum: Personal Consumer Issues
Topic: What do business pros wear on redeye Business Class flights
Replies: 50
Views: 6448

Re: What do business pros wear on redeye Business Class flights

I wear jeans and a t-shirt. With a zip-up that I wear backwards while seated to avoid back sweat. Sneakers. I have a roller bag and a backpack. I’ve flown a lot (exec platinum on AA multiple years). It’s way more relaxing and less tiring to wear casual stuff while on the plane. Easier to sleep also...
by Bacchus01
Mon Jun 03, 2019 7:24 pm
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 125
Views: 9762

Re: How did you all do in the month of May, 2019

My portfolio was down 50k. Yousha, this doesn't mean anything without context. Total stock market was down 6.43% for month of May. Paul Looking at a portfolio for one month has no context anyways. If you have a long-term goal, you should try to look at your portfolio on a chart with a similar timef...
by Bacchus01
Mon Jun 03, 2019 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire at 56?
Replies: 34
Views: 5976

Re: Can I retire at 56?

Understanding expenses would help. I know you stated a desired income, but what does that income plan to over? Healthcare could be $25k+/yr. mortgage? Cars? Travel? Maintenance? How will it actually be spent. With ~$5M In net worth, the ability to sell two large assets (although not very liquid), fu...
by Bacchus01
Mon Jun 03, 2019 5:36 am
Forum: Personal Investments
Topic: Do I need a financial planner or investment advisor or just this forum?
Replies: 30
Views: 2920

Re: Do I need a financial planner or investment advisor or just this forum?

I don’t think you need them at all. I was close to your situation about 6-7 years ago. I had just done some things and had a lot of cash sitting around. I found Bogleheads. I took about three days over a vacation and read the entire Wiki, wrote an actual investment plan like they suggest in the Wiki...
by Bacchus01
Mon Jun 03, 2019 5:32 am
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 125
Views: 9762

Re: How did you all do in the month of May, 2019

Interesting that so many people seem to track performance on a 31 day period based upon a calandar month. I don't do this. So, how do you track it? I track it monthly because Quicken does and that makes it easy. I look at it monthly because I have a lot of money still flowing in and have to make in...
by Bacchus01
Sun Jun 02, 2019 7:19 am
Forum: Personal Finance (Not Investing)
Topic: How to best tax-advantage pre-ipo stock for kids?
Replies: 4
Views: 371

Re: How to best tax-advantage pre-ipo stock for kids?

When I’ve had these in the past they were not transferable. I would check plan documents.
by Bacchus01
Sun Jun 02, 2019 6:46 am
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 125
Views: 9762

Re: How did you all do in the month of May, 2019

David Jay wrote:
Fri May 31, 2019 9:45 pm
How did my retirement portfolio perform for one month?
Really?
Really.

And the OP did not state "retirement" portfolio
by Bacchus01
Sat Jun 01, 2019 5:34 pm
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 125
Views: 9762

Re: How did you all do in the month of May, 2019

mrspock wrote:
Sat Jun 01, 2019 1:07 pm
I’m down a cool $80k, but TLH’d $2k. I’m hoping for a solid 14% drop so I can complete my TLH wheel from December and get everything back to Vanguard funds.

Fun month. Good luck all!
Isn’t it funny? I almost get excited when I can TLH.
by Bacchus01
Sat Jun 01, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: Painting Cabinets - Is it that hard ?
Replies: 38
Views: 2936

Re: Painting Cabinets - Is it that hard ?

When did a bathroom I decided to just buy new unpainted doors which are not all that expensive when you buy them online. That saves a lot of the preparation work and you don't need to worry about getting all the nooks and crannies prepared right. I did not like the old design with scrolly arches an...