Search found 157 matches

by raveon
Mon Jul 22, 2019 6:39 pm
Forum: Personal Consumer Issues
Topic: Day & Night Shade
Replies: 3
Views: 520

Day & Night Shade

I have three windows on a high wall on my staircase leading to a loft in the 2nd floor. I would like to install a day and night shade that will provide privacy in the night to prevent our neighbor from looking into the loft. During the day, we enjoy the sunlight that comes through and don't mind lea...
by raveon
Mon Jul 15, 2019 4:14 pm
Forum: Personal Consumer Issues
Topic: Ring video doorbell 2
Replies: 8
Views: 1379

Ring video doorbell 2

If I don't sign up for the cloud storage service ($3/month, $30/year), does the ring video doorbell work well? Beside losing the ability to review non-live events do I miss anything else? I was planning to setup Arlo cameras in the future to get live feed with 7 day rolling cloud storage. Existing h...
by raveon
Wed Apr 24, 2019 4:34 am
Forum: Personal Consumer Issues
Topic: Collison Damage Waiver for Car Rental in Italy
Replies: 17
Views: 1053

Collison Damage Waiver for Car Rental in Italy

I plan to rent a car from Hertz in Florence for touring Tuscany next month. I am booking on Orbitz and I have declined the CDW. I am paying through the Chase Sapphire Reserve card where they say I am covered up to $75K (Orbitz CDW policy offers up to $35K). I am just wondering if there are any gotch...
by raveon
Sat Apr 13, 2019 3:11 am
Forum: Personal Investments
Topic: Custodial Roth IRA Contribution
Replies: 1
Views: 218

Custodial Roth IRA Contribution

So I managed to setup a custodial Roth IRA at Vanguard for my nephew. Now to make a contribution for 2018, is it OK if I contribute money from my bank account instead of my nephew's? I have reviewed his tax return for 2018, and he is eligible to make a max contribution. The kid will pay me back. In ...
by raveon
Fri Apr 05, 2019 4:05 pm
Forum: Personal Investments
Topic: Vanguard: Opening Roth IRA for minor
Replies: 4
Views: 339

Re: Vanguard: Opening Roth IRA for minor

Yes, the kid has earned income. I guess kids these days don't want to enjoy the lazy childhood that I enjoyed. :D
by raveon
Fri Apr 05, 2019 3:49 pm
Forum: Personal Investments
Topic: Vanguard: Opening Roth IRA for minor
Replies: 4
Views: 339

Vanguard: Opening Roth IRA for minor

How do I open a Roth IRA for a minor? I'm on the Vanguard website and when I try to open an Roth IRA account, it asks for the kid's birth date. Then it says, "the birthdate entered indicates you are not old enough to open an account".
by raveon
Tue Apr 02, 2019 6:09 am
Forum: Personal Consumer Issues
Topic: Alitalia
Replies: 11
Views: 854

Alitalia

I'm looking to go from SFO -> Rome. Ideally, would like to fly out of Venice but the price differential for a round trip vs multi-city is $400 extra / ticket. I'm seeing SFO -> Rome -> SFO for about $600/ticket. There are three airlines involved. Delta, Alitalia, and KLM. I have flown with Delta and...
by raveon
Tue Mar 19, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: Suggestions for Landline Alternatives (Ooma, Magic Jack, etc.)
Replies: 56
Views: 2720

Re: Suggestions for Landline Alternatives (Ooma, Magic Jack, etc.)

I purchased Ooma from Costco a 2-3 years go. I didn't have a good experience with it. Setup was easy, but call quality was very poor. Many times, the call would just get cut off in the middle. After a couple of sessions with customer support, I returned the unit. Don't know if the situation has gott...
by raveon
Tue Mar 19, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: Men's travel shoes. One pair for hiking/biking/walking/dining
Replies: 56
Views: 4714

Re: Men's travel shoes. One pair for hiking/biking/walking/dining

I use https://www.vasque.com/USD/product/mens-footwear/st-elias-fg-gtx-cognac-07146 I've used it from sea-level to up to 20,000 ft on rocky terrain / hiking , small river/creek crossings, regular country / metropolitan travel, on bikes, and carrying 40+lbs backpacks. No issue. I wouldn't want to wea...
by raveon
Sun Mar 03, 2019 10:08 pm
Forum: Personal Investments
Topic: Roth IRA for nephew
Replies: 7
Views: 504

Roth IRA for nephew

My nephew (17 yrs old) had earned income in 2018, and was asking me for help in reviewing his tax forms. I convinced him that he should open up a Roth IRA at Vanguard and learn how to save, and put half of his income (~3K) in it this year. He is willing to it. Which would be a better fund? I was thi...
by raveon
Fri Feb 15, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: Refurbished Nikon D750 + AF-S 24-120mm f/4G Nikkor VR lens
Replies: 37
Views: 1804

Re: Refurbished Nikon D750 + AF-S 24-120mm f/4G Nikkor VR lens

The older I get the smaller and lighter I get. I would ask why you want to carry around all that weight? Fair question. However, before I used to carry N70, 50mm prime, 24mm prime, and the 80-200 f/2.8 (very heavy). So now I only want to carry one lens. I would consider that as some progress (of co...
by raveon
Fri Feb 15, 2019 5:05 pm
Forum: Personal Consumer Issues
Topic: Refurbished Nikon D750 + AF-S 24-120mm f/4G Nikkor VR lens
Replies: 37
Views: 1804

Refurbished Nikon D750 + AF-S 24-120mm f/4G Nikkor VR lens

The above combo is currently available at $1796 w/ free shipping/no tax at B&H Photo Video. However, on Adorama, I found refurbished versions of the camera/lens at $1637 w/ free shipping/no tax. I have purchased refurbished consumer electronics (i.e., MFD printer, dekstop computer, etc) in the past ...
by raveon
Tue Feb 12, 2019 12:39 am
Forum: Personal Consumer Issues
Topic: Best ways to provide STRUCTURE to retired life
Replies: 71
Views: 6012

Re: Best ways to provide STRUCTURE to retired life

Wake up and have coffee with wife - Tell wife to have a nice day "at work" (I go off to my home office) - check weather, if it is nice go XC skiing or mountain biking depending on season; if it's bad, read - make lunch for self and wife (this part is excellent for me!) - send wife back to "have fun...
by raveon
Mon Feb 11, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 153
Views: 9129

Re: What is a Boglehead funeral/burial?

Become insect fodder.
by raveon
Mon Feb 04, 2019 7:42 pm
Forum: Personal Consumer Issues
Topic: How: cross-country shipping/moving
Replies: 17
Views: 860

Re: How: cross-country shipping/moving

I have used ABF Freight with a relo cube offered by ABF U-pack to move from PA -> CA in 2010. Arrived in about 5 days, no issues, full tracking. Cost of transportation was bout $2500.
by raveon
Thu Jan 31, 2019 5:41 am
Forum: Personal Finance (Not Investing)
Topic: Getting hit with higher tax
Replies: 5
Views: 819

Re: Getting hit with higher tax

Thanks for the response.

1. Yes 55% of the 50K deduction was state income tax + property tax, 25% mortage interest, 20% the personal exemption.
2. What is conservation easement?
by raveon
Thu Jan 31, 2019 5:29 am
Forum: Personal Finance (Not Investing)
Topic: Getting hit with higher tax
Replies: 5
Views: 819

Getting hit with higher tax

So I was just doing some initial tax assessment today in TurboTax. Because of the SALT limitation of $10K, my annual itemized deduction of $50K (from last year) got cut in half to $24K this year since the only other main deduction I can take right now is mortgage interest / charity donations. As a r...
by raveon
Fri Jan 18, 2019 2:52 pm
Forum: Personal Consumer Issues
Topic: Curry Powder?
Replies: 38
Views: 2303

Re: Curry Powder?

Look for a brand called Shan. https://www.shanfoods.com/product/recipe-mixes/curry/curry-powder Curry powder usually doesn't add much taste IMO. It adds color. If you are looking for zest, spice, then either purchase Garam Masala (https://www.shanfoods.com/product/plain-spices/garam-masala-powder/) ...
by raveon
Wed Jan 16, 2019 2:59 pm
Forum: Personal Consumer Issues
Topic: Any admission pointers from pre- med/ med students?
Replies: 58
Views: 3554

Re: Any admission pointers from pre- med/ med students?

Be prepared to have a mortgage after graduation but no house.
by raveon
Thu Jan 03, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 136
Views: 8536

Re: Engagement Ring (Affordable)

1. My wife picked out her ring on her own at first. 2. I looked at her choice, and told her it was garbage and very high price for me ($8-10K). I told her what my budget was (~$5K) and what I could afford (we paid for our entire wedding (actually 2 weddings, one in each culture) by ourselves) 3. We ...
by raveon
Mon Dec 31, 2018 6:26 pm
Forum: Personal Investments
Topic: Mega Backdoor Roth
Replies: 6
Views: 550

Re: Mega Backdoor Roth

Thanks for the response. So this "after-tax 401K account" is totally separate from the current "tax-deferred 401K account" that I have ? I can continue contributing to the "tax-deferred 401K account" as before?
by raveon
Mon Dec 31, 2018 6:14 pm
Forum: Personal Investments
Topic: Mega Backdoor Roth
Replies: 6
Views: 550

Mega Backdoor Roth

Currently, I max my contributions in a tax-deferred 401K. My company makes a yearly (discretionary) contribution of 5%. Right now, the company offers tax-deferred and Roth 401K options. Starting from next year, the company will eliminate the discretionary contribution, and switch to matching up to 5...
by raveon
Mon Dec 31, 2018 5:57 pm
Forum: Personal Investments
Topic: Anyone else in frontier markets?
Replies: 31
Views: 1915

Re: Anyone else in frontier markets?

Around 2005/6, I looked into TRAMX (T. Rowe Price Africa and Middle East Fund). It started at $10. Looking at it today, it is $8.53. So more than a decade of no returns. At that time, emerging markets (BRICs) /frontier markets were the hype. I decided not to invest in TRAMX because of 1) high expens...
by raveon
Mon Dec 31, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Low maintenance yard - new home and HOA
Replies: 27
Views: 2337

Re: Low maintenance yard - new home and HOA

1. The HOA manual usually has as list of tress/shrubs etc. that are recommended that blend in with the community. You can choose from that if you want. 2. In my case, the HOA gave me one year to do "landscaping" on my backyard. The builder put all the trees, but I removed them as they were all the s...
by raveon
Mon Dec 31, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve
Replies: 50
Views: 6779

Chase Sapphire Reserve

I have the BofA Preferred Travel Rewards that gets me 2.62% points on every dollar to redeem on travel purchases. I use Costco for gas (4%) and dining/travel (3%). I was looking at the Chase Sapphire Reserve and it seems pretty attractive. The annual fee for $450 (-$300 annual travel credit = $150) ...
by raveon
Thu Dec 27, 2018 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Possible to use short-term loss to offset long term capital gains?
Replies: 6
Views: 524

Re: Possible to use short-term loss to offset long term capital gains?

Thanks for the response.
but instead realize the ST losses in 2019 where there might be a chance to offset $3,000 of ordinary income
What does ordinary income mean? Is this dividend/distributions/CD/treasury bill interest paid during a year?
by raveon
Thu Dec 27, 2018 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Possible to use short-term loss to offset long term capital gains?
Replies: 6
Views: 524

Possible to use short-term loss to offset long term capital gains?

I sold some company stock this year for a long-term gain of $15K. I have VXUS in a taxable account that is showing a short-term loss of about $7K. I haven't sold VXUS yet. If I do some sell some to book a short-term loss would is it possible to use it to offset the long-term capital gain? I plan on ...
by raveon
Mon Dec 24, 2018 12:49 pm
Forum: Personal Investments
Topic: What do you do with your down payment money?
Replies: 36
Views: 2940

Re: What do you do with your down payment money?

Treasury bills or CDs.
by raveon
Mon Dec 10, 2018 6:08 am
Forum: Personal Consumer Issues
Topic: PC Build Suggestions
Replies: 39
Views: 3324

Re: PC Build Suggestions

1. I would upgrade the memory to 32GB. 2. Go for a cheaper case. 3. Spend some extra money getting a better power supply. 650W is good, but go for 80+ gold. 4. I don't think you need to get a separate cooler fan. The stock cooler than comes with the CPU should suffice unless you are planning on over...
by raveon
Mon Dec 10, 2018 6:03 am
Forum: Personal Consumer Issues
Topic: Recommendations on Wire-Free Security Camera System
Replies: 5
Views: 955

Recommendations on Wire-Free Security Camera System

Any recommendations? I have the Ring Alarm Wireless Security System I bought from Costco. Have been happy with its performance. No complaints except that the keypad locks up once every 2-3 months requiring a reboot, on/off reset. Now would like to add a security camera system. House is about 2200 sq...
by raveon
Wed Nov 21, 2018 2:01 am
Forum: Personal Consumer Issues
Topic: What's the catch? Nikon D750 FX + 24-120mm f/4
Replies: 7
Views: 829

What's the catch? Nikon D750 FX + 24-120mm f/4

https://www.amazon.com/Nikon-FX-format-Digital-24-120mm-Focus-S/dp/B0060MVLXC http://www.jetcameras.com/Nikon_D750_DSLR_Camera_with_24-120mm_Lens_1030995.html?l=Google&gclid=Cj0KCQiA_s7fBRDrARIsAGEvF8T7AhVIMLouvGN9pkDb5NiuNvPIhO9xEw7FzGtxFIZ-rKKgr5xsyzwaAvzzEALw_wcB Looks like the exact same thing. ...
by raveon
Fri May 25, 2018 2:00 pm
Forum: Personal Investments
Topic: 6 month T-bill from Vanguard
Replies: 7
Views: 1594

Re: 6 month T-bill from Vanguard

I was looking at the secondary market. I switched to the 'Auctions' tab and was able to put in an order for 5 (i.e., 5000) with a settlement date of 5/31/2018. The CUSIP number is 912796QL6. I guess I'll find out in a week what rate I will get. Trying something new today...
by raveon
Fri May 25, 2018 1:55 pm
Forum: Personal Investments
Topic: 6 month T-bill from Vanguard
Replies: 7
Views: 1594

6 month T-bill from Vanguard

How do you buy a 6month T-bill at Vanguard? I have 5000 to invest. I checked and everything shows up as min qty of 1000 which equates to 1000x1000 = 1M. Thanks.
by raveon
Tue May 15, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: College laptop for fall 2018 freshman
Replies: 82
Views: 6668

Re: College laptop for fall 2018 freshman

Look at Acer gaming laptops.
by raveon
Tue May 15, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Linking Fidelity accounts in Personal Capital
Replies: 8
Views: 2204

Re: Linking Fidelity accounts in Personal Capital

Main reason is I can also use that to track my monthly expenditures and categories breakdown. I used to use Quicken 2007. After building a new computer, I found out that Quicken has switched to a yearly subscription model. So I'm trying out PC. I looked around some more. It looks like this is a know...
by raveon
Tue May 15, 2018 1:29 am
Forum: Personal Consumer Issues
Topic: Linking Fidelity accounts in Personal Capital
Replies: 8
Views: 2204

Re: Linking Fidelity accounts in Personal Capital

Does your 401k use the netbenefits site?
Yes.
by raveon
Mon May 14, 2018 10:53 pm
Forum: Personal Consumer Issues
Topic: Linking Fidelity accounts in Personal Capital
Replies: 8
Views: 2204

Linking Fidelity accounts in Personal Capital

I am not able to do it. It only shows up a Fidelity credit card but not my borkerage/roth ira/employer 401k. Anyone have similar issues?
by raveon
Wed May 02, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: Not Wasting Food
Replies: 60
Views: 5063

Re: Not Wasting Food

Eat less.
by raveon
Wed May 02, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Reasonable cost for Tankless Water Heater Inspection / Annual flush
Replies: 4
Views: 884

Reasonable cost for Tankless Water Heater Inspection / Annual flush

It has been one year since I moved in to a new construction home. I was reading the tankless water heater manual (Rinnai), and it recommended flushing the water heater annually. As part of my builder's one year inspection (to close warranty), I asked if they could check/flush it. They said they woul...
by raveon
Thu Apr 26, 2018 6:46 pm
Forum: Personal Consumer Issues
Topic: DIY Desktop PC
Replies: 43
Views: 2985

Re: DIY Desktop PC

Thank you all for the responses. Very helpful.
by raveon
Thu Apr 26, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: DIY Desktop PC
Replies: 43
Views: 2985

Re: DIY Desktop PC

pcpartpicker is a great resource.
Thanks. Just Googled it. I will check for compatibility there.
by raveon
Thu Apr 26, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: DIY Desktop PC
Replies: 43
Views: 2985

Re: DIY Desktop PC

Are you building it for the fun? To save Money? Not sure I understand why. Since it is your first time, do you intend to spend a lot of time tweaking the system? Why?Are you building it for the fun? To save Money? Not sure I understand why. Since it is your first time, do you intend to spend a lot ...
by raveon
Thu Apr 26, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: DIY Desktop PC
Replies: 43
Views: 2985

DIY Desktop PC

I am moving away from Mac and would like to build my own Dekstop PC. First time. Can someone look at this spec list and offer any critique for value/price of components. Looking for a desktop for mainly web browsing, some gaming, and general home/office work. Will install Windows and Linux. I am not...
by raveon
Tue Apr 17, 2018 1:53 pm
Forum: Personal Investments
Topic: Want to Include Emerging Markets in the Portfolio
Replies: 7
Views: 1823

Re: Want to Include Emerging Markets in the Portfolio

1. VIIIX is a very good fund with an ultra low ER. 0.02% for me. Use it. 2. 50% international seems too high (50% * 75% = 37.5%) for my risk tolerance. You might want to reconsider. You may be better off titling towards small cap. 3. Emerging markets are already included in VTIAX. Don't complicate i...
by raveon
Tue Apr 17, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 8772

Re: PC laptops

If you are only interested in surfing/emailing, look into Chromebook. I agree Apple ecosystem is a waste of money.