Search found 302 matches

by Bmac
Tue Dec 11, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: Buy Lexus CPO now or wait until end of Dec.?
Replies: 23
Views: 1432

Re: Buy Lexus CPO now or wait until end of Dec.?

I can’t comment too much on the Lexus. However, I agree that $3500 for 2005 CR-V trade in with that mileage seems like a darn good offer. It must be in excellent condition. We recently bought a used Acura RDX. One year older with more miles. Didn’t get much movement on the offer. I will say that a w...
by Bmac
Thu Dec 06, 2018 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: County not accepting 2018 property taxes in 2018 - need help with ideas.
Replies: 138
Views: 6734

Re: County not accepting 2018 property taxes in 2018 - need help with ideas.

I remain confused why the OP seems to think this is more than a one year problem, given the SALT limits. I think the OP wisely bunched property tax payments in 2017 before the new law kicked in. But by doing so, now no property tax for 2018 deductions. But then in 2019 will resume having a year’s w...
by Bmac
Thu Dec 06, 2018 9:37 am
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 139
Views: 11879

Re: Who else is getting excited?

I don’t find volatility exciting. I don’t enjoy seeing the economy crater, if that happens. Agree that it might be good for the young investor with a long time horizon. But I don’t think 2008 was particularly good for the many that lost their jobs, houses or both, regardless of age. It’s difficult t...
by Bmac
Thu Dec 06, 2018 9:28 am
Forum: Personal Finance (Not Investing)
Topic: County not accepting 2018 property taxes in 2018 - need help with ideas.
Replies: 138
Views: 6734

Re: County not accepting 2018 property taxes in 2018 - need help with ideas.

I remain confused why the OP seems to think this is more than a one year problem, given the SALT limits. I think the OP wisely bunched property tax payments in 2017 before the new law kicked in. But by doing so, now no property tax for 2018 deductions. But then in 2019 will resume having a year’s wo...
by Bmac
Sun Dec 02, 2018 10:47 am
Forum: Investing - Theory, News & General
Topic: Tax Reform - Revised Kiddie Tax
Replies: 64
Views: 8459

Re: Tax Reform - Revised Kiddie Tax

Terrific. Thanks. That’s what I was calculating as well.
by Bmac
Sun Dec 02, 2018 10:18 am
Forum: Investing - Theory, News & General
Topic: Tax Reform - Revised Kiddie Tax
Replies: 64
Views: 8459

Re: Tax Reform - Revised Kiddie Tax

Ok. So please help me with the math. If my child has 0 earned income, $900 Short Term Capital Loss and $4000 in Qualified Dividends in UTMA, how much LTCG can we take and remain at the 0% tax rate for 2018 under the new rules?
by Bmac
Sat Dec 01, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Hiring a Nanny
Replies: 13
Views: 1405

Re: Hiring a Nanny

Deduction? Ha ha. If they hire directly rather than through a service they will be paying taxes (FICA, SS, Medicare) via Schedule H. If available through one of their employers, it may be possible to use as much as $5000 pretax to pay the nanny via a Dependent Spending Account. Homeowners and Umbrel...
by Bmac
Thu Nov 22, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: Men's crew neck t-shirts
Replies: 47
Views: 3706

Re: Men's crew neck t-shirts

Amazon Essentials 6-pack cotton crew neck undershirts for $16.
by Bmac
Mon Nov 19, 2018 2:15 pm
Forum: Investing - Theory, News & General
Topic: Question for MDs: How much math required for med school?
Replies: 9
Views: 1022

Re: Question for MDs: How much math required for med school?

It’s actually very little required, I believe. I took a year. Included calculus. This was 30 years ago, of course.
by Bmac
Thu Oct 18, 2018 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Spoke with a CFP...underwhelming!
Replies: 51
Views: 5354

Re: Spoke with a CFP...underwhelming!

Actually, I would say his advice was at least “whelming.” Perhaps redundant for a well educated Boglehead, but certainly appropriate for the average non-Boglehead with little interest in DIY personal finance. For most, if a CFP can get the client to implement the recommendations and maintain a buy a...
by Bmac
Sat Oct 13, 2018 9:27 am
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 106
Views: 22232

Re: Seattle Area Chapter Meetings - Master Thread

Steve Juetten and his team. Based in Bellevue. Good guy. Straight shooter. Fee only. Very much Boglehead.

https://finpath.com
by Bmac
Sat Sep 29, 2018 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?
Replies: 45
Views: 4776

Re: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?

I don’t know if Vanguard can upgrade your account unilaterally. I think the account owner is required to click through the process. So maybe just keep ignoring the notifications for 3 more months. I’m not sure of another option besides calling Vanguard and stating your case.
by Bmac
Tue Sep 18, 2018 7:55 am
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 33
Views: 2315

Re: $180 IPhone SE or $90 Iphone 5S

Happy SE owner here. Not looking forward to upgrading to a big faced phone, this is the perfect size. Apparently I’m not the only one annoyed that the SE-sized iPhones are likely to be phased out. I find the size of the 7s and up to be both harder to use in my smallish hands and much less comfortab...
by Bmac
Tue Sep 18, 2018 7:44 am
Forum: Personal Finance (Not Investing)
Topic: I see now why Rollovers can take FOREVER ....
Replies: 74
Views: 8015

Re: I see now why Rollovers can take FOREVER ....

Livesoft, your spouse is likely going to make more money by winning her fantasy league with far less hassle and exponentially more fun than than you will get finalizing this rollover.
by Bmac
Tue Sep 18, 2018 7:17 am
Forum: Personal Finance (Not Investing)
Topic: HSA vs save $1.5K/year
Replies: 12
Views: 1714

Re: HSA vs save $1.5K/year

Can you switch to her plan if you have access to health insurance from your own employer? That may not be allowed by her plan. Or do you have children and they would be switching from your plan to hers? We did the latter a few years ago. So wife and children on her PPO while I remain on my HD/HSA pl...
by Bmac
Mon Aug 20, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Car alarm '98 Camry ?
Replies: 31
Views: 1580

Re: Car alarm '98 Camry ?

Do car alarms even actually work? Seem like the most common scenario is having them go off in the middle of the night for no apparent reason and merely annoying any neighbors within earshot. Has one stopped a determined and even semi-competent car thief? Why not just disable it.
by Bmac
Thu Aug 16, 2018 5:03 pm
Forum: Investing - Theory, News & General
Topic: Fidelity 401(k) millionaires hits record high
Replies: 48
Views: 5792

Re: Fidelity 401(k) millionaires hits record high

Only been in my job 2 years. So the 401k will never hit a million. My fidelity IRA, however, has been over a million for quite some time. How have you managed to save over $1 million in an IRA and yet have a 401k for 2 years? Previous 401k roll over to IRA? Annual maximum contribution amounts to an...
by Bmac
Sat Aug 04, 2018 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Comfort level with Credit Card Balance
Replies: 86
Views: 5903

Re: Comfort level with Credit Card Balance

Just wondering what's everyone's comfort level is with their credit card balance. Zero comfort level. Any outstanding balance at all on any of my credit cards makes me itch. I check the card balances daily, and pay them off two to three times a week. Excessive, perhaps, but that's just me. Same her...
by Bmac
Wed Jul 04, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 16467

Re: Retirement Destination - are you happy with your choice?

I have retired to Arlington, Virginia. I wanted to live in a large metropolitan area with many activities easily reachable by walking and public transportation. I can walk to the Arlington campus of George Mason University, to Georgetown University, and to George Washington University; if the weath...
by Bmac
Wed Jul 04, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Monthly Water Usage
Replies: 61
Views: 4529

Re: Monthly Water Usage

Average around 125gal/day and 3800 gal/month fairly consistently throughout the year. Family of four without a pool or yard irrigation. $40-45/month. Roughly 4 showers a day, a load of laundry daily and dishwasher every other day. I’m sure the really high usage comes with a pool and large yard durin...
by Bmac
Sat Jun 30, 2018 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Using the Total Bond Fund in a rising rate environment
Replies: 72
Views: 9716

Re: Using the Total Bond Fund in a rising rate environment

“I am not asking about adding the bond fund to allow people to make short-term investing changes. I am asking because we should have another good long-term investment for our bond allocations.” Investing theory aside, this seems to be the best response to the plan administrator so far. Also point o...
by Bmac
Mon Jun 04, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Boston trip with small kids
Replies: 19
Views: 1735

Re: Boston trip with small kids

The Children's Museum is right by South Station and quite good. The Aquarium is right near there too. There is also a little Swan Boat ride in the Boston Common where the kids can take a ride, and run around the park. They can check out the Make Way for Ducklings Statue and eat a picnic or so. At t...
by Bmac
Sun Jun 03, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Can a physician work in tech while practicing as well?
Replies: 57
Views: 4330

Re: Can a physician work in tech while practicing as well?

I think the two biggest obvious factors with regard to your ability to do this are the nature of your medical specialty/practice and your personal situation (spouse/children). If totally shift work (anesthesia/emergency medicine/diagnostic radiology/hospitalist/etc.) and single, then I’m sure you ca...
by Bmac
Sat Jun 02, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: 6 hour layover on Heathrow
Replies: 54
Views: 5606

Re: 6 hour layover on Heathrow

Like Windsor Castle, Hampton Court Palace would also be doable by taxi/car service from Heathrow. I agree with others that getting into London and back with any time left to actually see anything is doubtful, unless you are already very experienced with Heathrow Express and the Underground system (a...
by Bmac
Sun May 06, 2018 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Comparing 2 physician jobs
Replies: 69
Views: 6940

Re: Comparing 2 physician jobs

OP, I am a doc and we live in the middle of nowhere. What does your SO think? Does she have any preference? If she says that there is no way in hell that she is living in the middle of nowhere then it is an easy decision. Can she be happy living in a small town? I think 2-hour commute is out of que...
by Bmac
Fri Apr 27, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: The Paperless Life
Replies: 45
Views: 4691

Re: The Paperless Life

Don't rely on institutions to hold onto your statements forever - they won't. Even if they do (though they rarely do)....you might not stick with the same institutions for 40 years. If you decide to leave Vanguard 20 years from now -- even if all their statements are online and available -- it won'...
by Bmac
Tue Apr 24, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 86
Views: 11347

Re: Downloadable Social Security Benefit Estimator (repost)

Ok, I must be an idiot. What am I doing wrong? I used your link and then downloaded the benefit estimator, but I am unable to enter any data in the pink sections. I am on an iMac and using Safari. Please advise. Thanks, Bmac I don't use mac so I'm not sure about that. I doubt the browser type would...
by Bmac
Tue Apr 24, 2018 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 86
Views: 11347

Re: Downloadable Social Security Benefit Estimator (repost)

Ok, I must be an idiot. What am I doing wrong? I used your link and then downloaded the benefit estimator, but I am unable to enter any data in the pink sections. I am on an iMac and using Safari. Please advise.
Thanks,
Bmac
by Bmac
Mon Apr 23, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: IPhone Faulty Battery Diagnosis
Replies: 32
Views: 1946

Re: IPhone Faulty Battery Diagnosis

Just this weekend I went to have my battery replaced, but the diagnostics said it was at 94% functionality. Instead of changing it I decided I would wait until late November or December before getting the new battery. Still within the $29 window.
by Bmac
Mon Apr 23, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 12410

Re: Nomadic lifestyle in their 50s

thanks ALL for the responses. RE: Homebase. Honestly, we are currently in Seattle now - it is unlikely we will eventually retire here. Instead of paying a management company to rent it out, we can cash out while the downtown condo market is on absolute fire. The thought process for a home base is e...
by Bmac
Wed Apr 11, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 42325

Re: Name something you bought that wasn't cheap and glad you did

Business class from Vancouver to Sydney. For a relatively short vacation, arriving rested after a 14 hour flight was priceless. Able to hit the ground running.
by Bmac
Sat Apr 07, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: What Did I Just Do? (Possible Scam)
Replies: 13
Views: 3385

Re: What Did I Just Do? (Possible Scam)

It sounds like a legitimate fraud prevention alert just to the wrong number. I just got one identical to your description when my DH used the credit card on a trip. If it was a scam posing as a legitimate alert, I would suspect that they would have asked you for your “real” credit card number. I ag...
by Bmac
Sat Apr 07, 2018 6:22 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 15599

Re: What is your AA, given your age? and, Why?

54 and 51. Looking to retire in 3-4 years. Have been mostly 75/25 over last 15+ years, but have been gliding to a more conservative asset allocation the last couple of years and now more like 65 equity/30 bond/5 cash with a plan to enter retirement with at least 3 year’s of expenses in cash to mitig...
by Bmac
Sat Apr 07, 2018 6:14 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 15599

Re: What is your AA, given your age? and, Why?

Hello, A long time lurker but only my second post. I turn 58 this month. Our AA is 100% equities with no intention of changing AA. We own one index fund through a 401k and the rest is individual stocks. We don't do any tax harvesting or rebalancing. I'm not a fan of either. I think it's important t...
by Bmac
Mon Mar 26, 2018 11:30 pm
Forum: Personal Consumer Issues
Topic: CBP (INS) Global Entry program worth it?
Replies: 65
Views: 5853

Re: CBP (INS) Global Entry program worth it?

If you live anywhere at all near Canada, it is worth it to get Nexus. Not only do you get the benefits of Nexus for crossing into Canada, you get Global Entry and TSA Precheck and for half the cost of Global Entry ($50 vs. $100). And the cost for children (under 18) is FREE vs. the same $100 for Glo...
by Bmac
Sat Mar 24, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 13167

Re: Underrated places to visit in U.S.?

Marmot wrote:
Fri Mar 23, 2018 9:57 pm
Bend, Oregon.
The Bend area is terrific, especially if you like outdoors activities and beer. I would hardly call it underrated, however. But I guess that is the case for many of the places mentioned in this thread.
by Bmac
Sun Mar 18, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Rent in Retirement
Replies: 35
Views: 4050

Re: Rent in Retirement

How about downsizing by selling the house and buying a condo? Likely much easier maintenance, simplifies any prolonged travel logisitics, avoids the vagaries of rent increases/need to (possibly) repeatedly move.
by Bmac
Sun Mar 04, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: $500 gift card, what to do?
Replies: 42
Views: 3722

Re: $500 gift card, what to do?

JBTX wrote:
Sun Mar 04, 2018 6:17 pm
Any giftcard I get typically I just spend it on day to day stuff until it runs out.
This. Money is fungible. Just use it for regular daily expenses until it is gone instead of how you usually pay for these things.
by Bmac
Sun Mar 04, 2018 9:28 am
Forum: Investing - Theory, News & General
Topic: What is your investment strength?
Replies: 70
Views: 6119

Re: What is your investment strength?

Ability to delay gratification
by Bmac
Sat Mar 03, 2018 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion Planning
Replies: 27
Views: 2314

Re: Roth Conversion Planning

It doesn’t matter if you convert stocks or bonds. There are no capital gains issues. You can set up your asset allocation between Roth and traditional however you like, and I agree with which type of asset to have in which account. But asfaik you can convert whatever type of asset you like (or liqui...
by Bmac
Mon Feb 26, 2018 11:16 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 973
Views: 105009

Re: Netflix, Your Current Favorite Show

Seinfeld -Comedians in cars getting coffee
by Bmac
Sat Feb 24, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: new starbucks chase visa card
Replies: 23
Views: 3902

Re: new starbucks chase visa card

And welcome to the Bogleheads forum, doc2547. Weirdly harsh responses to a rather benign post. It’s just a credit card. No big deal if you are happy with it. Certainly not the worst financial mistake you could make.
by Bmac
Sat Feb 24, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Just had our offer accepted on a $1.4 Million House
Replies: 90
Views: 10324

Re: Just had our offer accepted on a $1.4 Million House

Presumably the OP has high income as even at current resident salaries (compared to mine 20+years ago) it is hard to imagine qualifying for a $1,000,000 loan regardless of mortgage terms. I would suggest at least going to the Whitecoat Investor website and checking out some of Jim Dahle’s post regar...
by Bmac
Sat Feb 24, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 12143

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

I like the Wells Fargo banking/Vanguard investment option. I am very happy with WF online banking. Rarely write checks anymore. All our taxable accounts and IRAs are at Vanguard. Transferring money between Wells and Vanguard is easy peasy. Currently our 401ks, 403bs, etc. are at Fidelity or elsewher...
by Bmac
Sat Feb 03, 2018 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: (3-6 years to retirement) Appreciate an assessment
Replies: 11
Views: 1685

Re: (3-6 years to retirement) Appreciate an assessment

Debt: Mortgage, Owe $53K, 5.5% That is not a good interest rate so I would take a hard look at finding some way to pay that off or refinance it at a lower rate. 5. Estimated expenses $65K to $70K Dos that include income taxes, medical insurance until you get on Medicare, and your mortgage payment? ...
by Bmac
Fri Feb 02, 2018 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: What's your cash position
Replies: 105
Views: 12085

Re: What's your cash position

Hoping to retire in 3-4 years, so have been steadily increasing cash to have approximately 3 years of expenses in cash. Both to minimize sequence of return risk and maximize Roth conversions in early years of retirement.
by Bmac
Fri Feb 02, 2018 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Help calculating 2018 kiddie tax
Replies: 33
Views: 3015

Re: Help calculating 2018 kiddie tax

If he is filing his own tax return and taking the standard deduction, would he not be subjected to the standards tax brackets and capital gains rates and not the “kiddie taxes?”
by Bmac
Fri Feb 02, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Beating the 55k IRS limit?
Replies: 23
Views: 2727

Re: Beating the 55k IRS limit?

To be clear, in the right circumstances (403b employer match, profit sharing, etc.), I believe you and your wife could actually EACH put away $55k/year in your 403bs and still contribute $18.5k/year to your 457s for close to $150k/year in tax-deferred savings. And add $6,000 each if over 50 years old.
by Bmac
Thu Feb 01, 2018 11:07 pm
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 119
Views: 11936

Re: Fewer acronyms please

OP, It took me a while to get used to when I started too but i got used to it. YMMV. Oh - and FYI /BTW in case you don't know OP = Original Poster (I've guessed). LOL It took my husband a while to guess what’s LOL when his kids first replied to him. He was thinking the good old fashioned British si...
by Bmac
Wed Jan 31, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: How to ship two big tubs of butter internationally?
Replies: 43
Views: 4220

Re: How to ship two big tubs of butter internationally?

It might be cheaper to just pay to fly your uncle from Australia and back. 😂