Search found 888 matches

by bubbadog
Tue May 19, 2020 8:05 pm
Forum: Personal Consumer Issues
Topic: Ford F150 Engine long term reliability - V8 versus Turbo V6?
Replies: 62
Views: 3769

Re: Ford F150 Engine long term reliability - V8 versus Turbo V6?

How are you going to use the truck? Significant towing or other heavy use? It’s a want not a need. It would rarely be for truck purposes - ie - buy stuff from home depot for diy projects. Toss bikes in bed to go ride w kids (already have a hitch bike carrier for the subaru). No towing (unless one d...
by bubbadog
Sun May 17, 2020 1:08 pm
Forum: Personal Consumer Issues
Topic: Sump Pump Dual System
Replies: 28
Views: 1221

Re: Sump Pump Dual System

Re the battery discussion - the Walmart deep cycle was a good deal for me. They run sub-$100, avoid crazy shipping costs vs online orders (lead is heavy!), and seem to last as long as other brands (especially sitting still, at a stable temp, on a charger.) Plus, I found that Walmart would give me m...
by bubbadog
Sun May 17, 2020 11:47 am
Forum: Personal Consumer Issues
Topic: Sump Pump Dual System
Replies: 28
Views: 1221

Re: Sump Pump Dual System

I have the exact model you are considering. I installed it last year and it appears well made and I really like the LCD battery charger. It definitely costs more than some of the "basement watchdog" type units that are sold @ Home Depot and Lowes. To me, it was money well spent. You also need to fig...
by bubbadog
Sat May 16, 2020 9:20 am
Forum: Personal Investments
Topic: Please tell me I'm not crazy [Best way to manage an EF?]
Replies: 171
Views: 10379

Re: Please tell me I'm not crazy

With approximately 10 months of living expenses at your disposal, you are probably in better shape than 90% of the US. Congrats on that account! In a COVID-19 world, I would not be comfortable with a 4 month cash/6 month VTSAX taxable account as my backstop. If you had a taxable account that could s...
by bubbadog
Wed Apr 29, 2020 4:24 pm
Forum: Investing - Theory, News & General
Topic: If you believing in Timing the market, Would you reduce equity allocation now?
Replies: 110
Views: 7914

Re: If you believing in Timing the market, Would you reduce equity allocation now?

Bogleheads market time, apparently. That's all 'rebalancing' is This is incorrect. Rebalancing is keeping your risk profile the same. It's reacting to what has already happened, not to what you think will happen in the future. If I'm 50/50 and stocks go up, and I find myself at 60/40, I sell stocks...
by bubbadog
Thu Apr 23, 2020 10:07 am
Forum: Investing - Theory, News & General
Topic: Who has changed FROM the 3 Fund Portfolio?
Replies: 28
Views: 2162

Re: Who has changed FROM the 3 Fund Portfolio?

For multiple reasons, simplicity being a big one, two years ago I changed from the three fund portfolio to the two fund portfolio. I have been at a 3 fund portfolio for several years. It has actually been more like a 2.5 fund portfolio since I don't have much in international compared with total st...
by bubbadog
Mon Apr 06, 2020 11:42 pm
Forum: Personal Investments
Topic: Best TLH partner for Total Stock Market (VTSAX)?
Replies: 26
Views: 3131

Re: Best TLH partner for Total Stock Market (VTSAX)?

I use VFIAX as my TLH buddy for VTSAX 8-)
by bubbadog
Wed Apr 01, 2020 5:48 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 50791

Re: How Is Your Job Being Impacted By The Current Crisis?

Physician looking at a 30% pay cut for the foreseeable future. My office appointments have dropped off considerably and most of those have, when possible, been changed to virtual visits. I work for the largest health care system in my state and this is effecting nearly all of the non ER/ICU docs. I ...
by bubbadog
Wed Apr 01, 2020 10:14 am
Forum: Investing - Theory, News & General
Topic: What is your age/AA during this crisis?
Replies: 138
Views: 6317

Re: What is your age/AA during this crisis?

Age : 53
AA : 65/35
Same as before COVID-19
by bubbadog
Tue Mar 31, 2020 8:04 am
Forum: Investing - Theory, News & General
Topic: Investments you wouldn't touch with a 10 foot pole
Replies: 110
Views: 9173

Re: Investments you wouldn't touch with a 10 foot pole

Poorman wrote:
Mon Mar 30, 2020 8:54 pm
Bitcoin
+1
by bubbadog
Sun Mar 15, 2020 8:51 am
Forum: Personal Consumer Issues
Topic: Should I purchase a projector or big screen TV?
Replies: 13
Views: 685

Re: Should I purchase a projector or big screen TV?

If you decide to go with the projector route, projectorcentral.com is a great resource.
by bubbadog
Sat Feb 29, 2020 9:34 am
Forum: Personal Consumer Issues
Topic: TV recommendations?
Replies: 37
Views: 2421

Re: TV recommendations?

Watty wrote:
Fri Feb 28, 2020 10:41 pm
bonglehead wrote:
Fri Feb 28, 2020 6:09 pm
Any recommendations on what and where to buy?
Check out Greentoe.

I purchased my LG C8 77 inch OLED from them at a substantial discount from my local Best Buy.
by bubbadog
Fri Feb 28, 2020 10:34 pm
Forum: Personal Consumer Issues
Topic: TV recommendations?
Replies: 37
Views: 2421

Re: TV recommendations?

LG and Sony OLED TVs are the current best TVs money can buy.

I have the LG OLED and I love it.

If you liked the picture quality of your plasmas, you'll love OLED.
by bubbadog
Thu Feb 27, 2020 2:37 pm
Forum: Personal Consumer Issues
Topic: Pulling Car Dents
Replies: 5
Views: 564

Re: Pulling Car Dents

My wife picked up a new car today and when she got home, noticed two small dings on the passenger side of the vehicle. :annoyed I guess the different light in the garage made them visible to her. I've reached out to the dealer but I imagine I have no recourse now that the car has left the lot and s...
by bubbadog
Wed Feb 19, 2020 9:08 pm
Forum: Personal Consumer Issues
Topic: Buying High Mileage Truck to Haul Mountain Bikes
Replies: 26
Views: 2181

Re: Buying High Mileage Truck to Haul Mountain Bikes

Has anyone bought a high mileage truck for light hauling? We're looking at a 2007 Dodge Ram Quad Cab 1500 2 WD with 200,000 miles on it for around $4,000. It's been very well taken care of. The truck would be our easy solution to haul 5 mountain bikes to the trail heads around town. We're a family ...
by bubbadog
Sun Feb 16, 2020 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: I'm 40 and when do I retire? first world problem?
Replies: 52
Views: 9494

Re: I'm 40 and when do I retire? first world problem?

What would a lifetime annuity of $9,000/year starting in two years at age 42 cost? Isn't that what you would be giving up by leaving now versus in two years? Unless I really hated my job, that would be hard for me to walk away from. Wow, that looks like it would cost about $210,000 for the $750 a m...
by bubbadog
Sun Feb 16, 2020 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: I'm 40 and when do I retire? first world problem?
Replies: 52
Views: 9494

Re: I'm 40 and when do I retire? first world problem?

What would a lifetime annuity of $9,000/year starting in two years at age 42 cost?

Isn't that what you would be giving up by leaving now versus in two years?

Unless I really hated my job, that would be hard for me to walk away from.
by bubbadog
Tue Feb 04, 2020 6:19 pm
Forum: Personal Consumer Issues
Topic: Latest Car Dealer Service Gotchya (Mini Cooper)
Replies: 39
Views: 2636

Re: Latest Car Dealer Service Gotchya (Mini Cooper)

"This dealer"... um, about all of them do that. Why do you do all this and seem to plan to continue doing it on a car that isn't even yours? Fringe benefits. ;-) In light of a fringe benefits situation, I would suggest you prepay for an oil change in advance of her bringing the car back. Instruct t...
by bubbadog
Fri Jan 31, 2020 2:35 pm
Forum: Personal Consumer Issues
Topic: Suggestions for wife's new luxury (or non luxury) SUV???? UPDATE: Thanks everyone for your help.
Replies: 138
Views: 9203

Re: Suggestions for wife's new luxury (or non luxury) SUV????

With no disrepect to the Kia fans out there this is a 10K test...how about they check back in after 200K and see which one needs the most reoairs and has the best resale? They do look good upfront I will say that.. The vehicles you suggested, the Land Cruiser and 4Runner, are relics from 2007. Thos...
by bubbadog
Mon Jan 27, 2020 10:24 pm
Forum: Personal Consumer Issues
Topic: Dog repellent when biking
Replies: 63
Views: 2910

Re: Dog repellent when biking

What about a canister of bear spray?
by bubbadog
Fri Jan 24, 2020 7:29 am
Forum: Personal Consumer Issues
Topic: Subaru Outback engine stop/start
Replies: 94
Views: 5848

Re: Subaru Outback engine stop/start

why are people so adverse to this feature? Just because "it's different"? I'm so confused why this is such a big turn off. My understanding is that this feature on Subarus is not as smooth as on other brands. I believe it has to do with Subarus having boxer engines. I have read several online revie...
by bubbadog
Thu Jan 23, 2020 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: How's my financial plan? - New Medical Resident
Replies: 22
Views: 1441

Re: How's my financial plan? - New Medical Resident

From a 53 year old doc, I would say probably not. Your future has so many great unknown opportunities that the flexibility of renting outweighs any gains from home ownership. You are on a great path. Stay the course.

Best Wishes
by bubbadog
Thu Jan 23, 2020 6:10 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 26572

Re: Sad news: LadyGeek's husband has passed

Lady Geek,

Sorry for your loss.

Thank you for all you do for this community.

Best Wishes
by bubbadog
Fri Jan 17, 2020 12:30 pm
Forum: Personal Investments
Topic: UTMA account vs. alternatives
Replies: 15
Views: 874

Re: UTMA account vs. alternatives

I just transferred my 21 year old son's UTMA account over to him last week. It has been a great way to teach him about investing and allow him to make decisions on how much of his summer earnings/gift $ to invest or spend. I also instituted a "matching" program to encourage saving. This spring he sh...
by bubbadog
Sat Jan 11, 2020 12:05 am
Forum: Investing - Theory, News & General
Topic: Switched from Fidelity to Black Rock???
Replies: 4
Views: 862

Switched from Fidelity to Black Rock???

At the end of the year my employer switched my 403b investment from Fidelity Total Stock Market Index to BlackRock Equity Index J. I didn't really seem to have much of a choice as it happened automatically on 12/31/19. A colleague mentioned that we received an email a few months prior stating that t...
by bubbadog
Fri Jan 10, 2020 6:28 am
Forum: Personal Investments
Topic: Sell and Then Buy Back Right Away?
Replies: 17
Views: 2148

Re: Sell and Then Buy Back Right Away?

Thanks for the replies so far. I definitely sold at a profit, so I guess there will be capital gains tax to pay, which would have been fine or at least expected if I was going to use the money as originally intended. But now if I just put the money back, I'll be paying taxes I didn't need to, won't...
by bubbadog
Thu Jan 09, 2020 11:07 am
Forum: Personal Consumer Issues
Topic: To repair or not
Replies: 16
Views: 1414

Re: To repair or not

Leave it be.

If I was selling a car as you describe, I would spend a few hours washing and cleaning the car.

I would not spend much money repairing cosmetic issues.

Best of luck
by bubbadog
Wed Jan 08, 2020 2:54 pm
Forum: Personal Consumer Issues
Topic: Irrational Fear of Injury in Small Car?
Replies: 124
Views: 8080

Re: Irrational Fear of Injury in Small Car?

I absolutely love my Yaris subcompact sedan. I like the amazing gas mileage (it's got a Mazda SkyActiv engine), easy maneuverability, and in general its a joy to drive. Despite being light and a subcompact, its taller than some sedans. It also gets good safety ratings in its class and is a good upg...
by bubbadog
Tue Dec 31, 2019 9:54 pm
Forum: Personal Consumer Issues
Topic: which Subaru is best for a young driver?
Replies: 24
Views: 2681

Re: which Subaru is best for a young driver?

My vote would be for the Forester. One often overlooked safety feature is excellent outward visibility. The Forester is one of the best in this regard. IMO it's about the right size, not too big or too small. The premium trim level (mid grade) with the added option of blind spot monitoring and rear ...
by bubbadog
Mon Dec 30, 2019 3:27 pm
Forum: Personal Investments
Topic: Kiddie Tax Changes and UTMA Accounts
Replies: 32
Views: 2223

Re: Kiddie Tax Changes and UTMA Accounts

So as I understand it and as I believe I have seen it mentioned on the board, for each child I can realize up to $4650 of capital gains (minus the dividends they received this year) before incurring any taxes, and I have already done this. But I'm pretty sure it makes sense for me to go beyond that...
by bubbadog
Mon Dec 30, 2019 3:23 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1411
Views: 190325

Re: 1 Million Milestone

Congrats :sharebeer Well done
by bubbadog
Sun Dec 29, 2019 10:47 pm
Forum: Personal Investments
Topic: Kiddie Tax Changes and UTMA Accounts
Replies: 32
Views: 2223

Re: Kiddie Tax Changes and UTMA Accounts

I have been trying to find the same answers as the OP. My current understanding is that on unearned income one can realize $4,850 of LTCGs and QDIVs before paying any additional tax. The $4,850 comes from a $2,200 standard deduction on unearned income and 0% capital gains rate for LTCG/QDIVs up to $...
by bubbadog
Sat Dec 21, 2019 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Amazing market, how to protect the gains?
Replies: 60
Views: 6978

Re: Amazing market, how to protect the gains?

To me, a 65/35 AA seems like a reasonable AA for someone "semi retired".
I don't see a need for wholesale changes.
by bubbadog
Sat Dec 21, 2019 12:09 pm
Forum: Personal Investments
Topic: Tax gain harvesting UTMA accounts?
Replies: 16
Views: 1156

Re: Tax gain harvesting UTMA accounts?

the way wrote:
Tue Dec 17, 2019 10:50 pm

Finally, I noticed OP has very good timing - bought at the absolute low of the huge drop last year (12/24)!
My timing of the purchase was 100% pure dumb luck.

I didn't even realize what I had done until you pointed it out.

Thanks
by bubbadog
Fri Dec 20, 2019 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Having $200k in cash. Should I buy 2 houses for my kids? OR VTSAX
Replies: 60
Views: 6136

Re: Having $200k in cash. Should I buy 2 houses for my kids? OR VTSAX

mortfree wrote:
Fri Dec 20, 2019 2:11 pm
VTSAX in your account.

Houses don’t age well. VTSAX does.
Dilly Dilly! :sharebeer
by bubbadog
Fri Dec 20, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 630
Views: 89770

Re: Flaunt Your High-Mileage Car

For those over 200k, I’d love to know what kind of maintenance and replacement you have done, and how much you think that was a factor. Does the “if it ain’t broke, don’t fix it” motto work? Or were you very diligent on replacing parts as they aged? Our old Camry drives well at 150,000 miles, but t...
by bubbadog
Thu Dec 19, 2019 5:50 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1411
Views: 190325

Re: Post your Financial Milestone Announcements Here

KlangFool wrote:
Thu Dec 19, 2019 3:34 pm
Folks,

I just paid the last college tuition bill (Spring 2020) of my daughter (2nd and last child). There goes the last college tuition bill. The end is in sight!!

KlangFool
Congrats KlangFool!

I am 7 semesters of tuition/room-board behind you.
by bubbadog
Wed Dec 18, 2019 8:07 pm
Forum: Personal Investments
Topic: Tax gain harvesting UTMA accounts?
Replies: 16
Views: 1156

Re: Tax gain harvesting UTMA accounts?

Looks like I can use $4,850 - QDIVs for both of my kids UTMA accounts. As @the way mentioned in his previous post, their calculations did not include any unearned income subject to ordinary income taxes. It will be $4850 - ordinary unearned income (NQDIVs, interest, etc...) - QDIVs in LTCGs that ca...
by bubbadog
Tue Dec 17, 2019 11:31 pm
Forum: Personal Investments
Topic: Tax gain harvesting UTMA accounts?
Replies: 16
Views: 1156

Re: Tax gain harvesting UTMA accounts?

Your other posts describe it the way I agree with, eg. https://www.bogleheads.org/forum/viewtopic.php?t=283312#p4627273 . Somehow in this post you explained it differently (mainly just para. 3). I finally just booted up last year's TT and entered a few numbers on my kid's return (using thresholds 2...
by bubbadog
Tue Dec 17, 2019 8:01 pm
Forum: Personal Investments
Topic: UTMA Tax Gains - help :)
Replies: 25
Views: 1403

Re: UTMA Tax Gains - help :)

Ok, I'm at a computer so I can better reply. Wiki: https://www.bogleheads.org/wiki/Kiddie_tax As I understand it, and if I've done the math right, the first $2200 LTCG is excluded and the next $2650 is in the Trust 0% LTCG bracket. If one exceeds that, the next tax bracket is just 15%. SpiritRider ...
by bubbadog
Tue Dec 17, 2019 5:04 pm
Forum: Personal Investments
Topic: UTMA Tax Gains - help :)
Replies: 25
Views: 1403

Re: UTMA Tax Gains - help :)

Ok, I'm at a computer so I can better reply. Wiki: https://www.bogleheads.org/wiki/Kiddie_tax As I understand it, and if I've done the math right, the first $2200 LTCG is excluded and the next $2650 is in the Trust 0% LTCG bracket. If one exceeds that, the next tax bracket is just 15%. SpiritRider ...
by bubbadog
Tue Dec 17, 2019 4:13 pm
Forum: Personal Investments
Topic: UTMA Tax Gains - help :)
Replies: 25
Views: 1403

Re: UTMA Tax Gains - help :)

I have been trying to find the same answers over the last few days as well. I started a similar thread and did not get consistent answers from forum members. There seems to be a lot of confusion regarding this issue. My goal is to tax gain harvest up to the zero additional tax threshold. I did find...
by bubbadog
Tue Dec 17, 2019 2:21 pm
Forum: Personal Investments
Topic: UTMA Tax Gains - help :)
Replies: 25
Views: 1403

Re: UTMA Tax Gains - help :)

I have been trying to find the same answers over the last few days as well. I started a similar thread and did not get consistent answers from forum members. There seems to be a lot of confusion regarding this issue. My goal is to tax gain harvest up to the zero additional tax threshold. I did find ...
by bubbadog
Tue Dec 17, 2019 11:01 am
Forum: Personal Investments
Topic: Give Land Back [Bought land from friend, he wants to buy it back]
Replies: 83
Views: 5181

Re: Give Land Back

Update: I have decided to sell the land back to my friend at zero profit; simply enough to cover my carrying costs. The big lesson learned here is what several of you have mentioned. Do not do business deals with family or friends and seek out your own investments. Appreciate the comments. Thanks f...
by bubbadog
Mon Dec 16, 2019 9:23 pm
Forum: Personal Consumer Issues
Topic: What to do? Car dilemma...
Replies: 61
Views: 3570

Re: What to do? Car dilemma...

I am humbled and honored that my situation has drawn such a debate as well input from thoughtful minds. Here's an update. I spoke with the mechanic and he explained what he thought was wrong with the car. It was very technical so I have limited understanding, but he did say there was some leak in t...
by bubbadog
Mon Dec 16, 2019 1:00 pm
Forum: Personal Investments
Topic: Give Land Back [Bought land from friend, he wants to buy it back]
Replies: 83
Views: 5181

Re: Give Land Back

Not trying to be cute but the term "Fair Market Value" has the word fair in it for a reason.

Any other price and someone is being taken advantage of.

That said, I understand two reasonable people can disagree on what constitutes FMV.
by bubbadog
Mon Dec 16, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: What to do? Car dilemma...
Replies: 61
Views: 3570

Re: What to do? Car dilemma...

2013 528xi m-sport. i think i paid 66k or something like that for it. I was hoping to keep it forever but now the repairs are going getting out of hand. Oh, and you didn't even include my out of pocket maintenance and other fixes totaling over $10000 since the 100,000 mile mark. In the end this may...
by bubbadog
Mon Dec 16, 2019 8:14 am
Forum: Personal Investments
Topic: Tax gain harvesting UTMA accounts?
Replies: 16
Views: 1156

Re: Tax gain harvesting UTMA accounts?

That is not the way the Kiddie Tax works. Earned income >= $750 and total income < ($12,200 (2019) - $350 = $11,850) results in a $350 effective unearned income standard deduction. The earned income standard deduction will be = the earned income. With $10,000 in unearned income and $10,000 in earne...