Search found 354 matches

by Atgard
Sun Jun 17, 2018 8:59 pm
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 45
Views: 6932

Re: New Capitol One 360 ACH limits

illini wrote:
Sun Jun 17, 2018 12:48 pm
Been doing the same. Their recent redesign has made simple tasks frustrating. I miss when it was ING.
Agree 100%. A "simple" interface makes tasks more complicated in this case.
by Atgard
Sun Jun 17, 2018 8:58 pm
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 45
Views: 6932

Re: New Capitol One 360 ACH limits

I have also had ING (now CapOne360) for about 14 years. It's been my go-to account, and I was very very pleased with ING. The interest didn't make me rich, but beat 95% of other banks and was usually very competitive (still isn't too bad in their money market account). The website was clean & simple...
by Atgard
Thu May 31, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Thoughts on Buying a "Flipped" House?
Replies: 27
Views: 3125

Re: Thoughts on Buying a "Flipped" House?

As others have said, a very thorough home inspection is a must. I'd let the inspector know your concerns and even offer to pay more for a more thorough inspection. (We're talking a rounding error of a couple hundred bucks extra on a $3M house.) As one minor point, engineered wood can actually be qui...
by Atgard
Tue May 29, 2018 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 129
Views: 13892

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

All that said, I do get the psychological reasons for wanting to pay off the house and be done. Personally, it doesn't work for me since I still have so many other house-related costs I still have to pay -- which can easily be as much or more than the mortgage payment. It would be different if you ...
by Atgard
Tue May 29, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 129
Views: 13892

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

I would pay off the mortgage, once you do that the house is yours and yours only, no one can take it away. What happens if you lose your job? On a related note, if I lost my job tomorrow, I would rather have $210K in the bank and a mortgage payment due every month, than $0 in the bank and a paid-of...
by Atgard
Thu May 24, 2018 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 129
Views: 13892

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

I would pay off the mortgage, once you do that the house is yours and yours only, no one can take it away. What happens if you lose your job? I respectfully disagree. First, you certainly can lose your paid-off house if you don't make property tax payments, don't pay HOA fees (if any), can't afford...
by Atgard
Thu May 24, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 129
Views: 13892

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

Lots of differing opinions with no universal right or wrong answer. My personal opinion is I would keep the mortgage, 3.625% is a great rate. I am in a similar situation with 3.75%. I think in the next 28 years there will come a time when you're happy to have someone loaning you money at 3.625% -- n...
by Atgard
Thu May 24, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Buying Crypto tokens in private sale prior to ICO
Replies: 21
Views: 1274

Re: Buying Crypto tokens in private sale prior to ICO

GKSD wrote:
Thu May 24, 2018 9:06 am
They have some pitch on their platform but it is way too complicated gibberish for me to understand.
I think you have answered your own question.
by Atgard
Tue May 22, 2018 9:55 am
Forum: Investing - Help with Personal Investments
Topic: How do you stop moving the goal posts.
Replies: 62
Views: 4927

Re: How do you stop moving the goal posts.

Much better shape, like with most investors the last 4 years have been fantastic. That is part of the problem, I have become accustomed to seeing my balances increase virtually every month and the year over year increases have exceeded all of my expectations. The standard of living I will have in r...
by Atgard
Wed May 16, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Fellow non-529ers
Replies: 43
Views: 3015

Re: Fellow non-529ers

I can understand not wanting to overfund, but there is a lot of room between "zero" and "overfunding." Isn't the answer to put in some portion up to an amount you think you'll almost certainly use? (Keep in mind there is flexibility among siblings, other relatives, K-12, undergrad, grad school, room...
by Atgard
Thu May 10, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5680

Re: What's the view on dogs running free?

It seems to me that if you want to stop animals or people from walking across your yard, you should put up a fence. You can say "I shouldn't have to do that," but I disagree. That's what fences are for. It's like saying you shouldn't have to pay for a front door or a lock. On the other hand, if most...
by Atgard
Mon May 07, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Switching Apple Mac Mini to Solid State Drive?
Replies: 15
Views: 1089

Re: Switching Apple Mac Mini to Solid State Drive?

I would also recommend an external SSD (preferably USB 3). The only problem is a computer that old only has USB 2, so the speed won't wow you. But then you can use it on a newer computer and/or laptop when you get it (and the speed will wow you). Apple charges about 2-3x too much for pre-installing ...
by Atgard
Tue May 01, 2018 8:41 pm
Forum: Investing - Theory, News & General
Topic: I-bond fixed rate = 0.3%
Replies: 62
Views: 7375

Re: I-bond fixed rate = 0.3%

I just want to say I am unreasonably excited about this HUGE jump to 0.3% fixed, and already scheduled my order (to purchase near the end of the month, of course). Yes, I agonized over whether to buy in April or roll the dice. And now I own my highest fixed-rate iBonds. I know, small victories. OK, ...
by Atgard
Tue May 01, 2018 3:16 pm
Forum: Forum Issues and Administration
Topic: Making it easier to track posts from the OP
Replies: 29
Views: 2451

Re: Making it easier to track posts from the OP

Yes, some forums highlight the original poster's later replies or have a little "OP" mark next to his name. Helpful. Not sure if that's a feature that can be enabled through this forum software?
by Atgard
Tue May 01, 2018 8:49 am
Forum: Investing - Help with Personal Investments
Topic: How do you know when you have "won the game"?
Replies: 142
Views: 15637

Re: How do you know when you have "won the game"?

I see a disconnect. Many Bogleheads admire Warren Buffet who didn't quit when he "won the game". Not sure what everyone thinks of Trump, but he didn't quit either. T Boone Pickens, Rupert Murdoch, George Soros, etc. Most could have quit much younger than many of us, but didn't. How does one reconci...
by Atgard
Sun Apr 29, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]
Replies: 128
Views: 14054

Re: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]

YES! This was one instance where the "wait and see" approach paid dividends (I had put in the full $6,900 in January). I was hoping the IRS would do the right thing, what a hassle it was going to be for us, HSA administrators, and the IRS to haggle over that $50 and a bunch of $3 fines. Glad to have...
by Atgard
Wed Apr 11, 2018 3:18 pm
Forum: Investing - Theory, News & General
Topic: I Bond’s Variable Rate Will Fall To 2.22% On May 1
Replies: 36
Views: 4698

Re: I Bond’s Variable Rate Will Fall To 2.22% On May 1

As to the topic of the thread, I was planning to hold off until May in the hopes of a higher fixed rate. But it seems unlikely they will do more than MAYBE go from 0.1% to 0.2%... and they could keep it the same or even go back to 0.0%. So I'm tempted to just buy now and lock in 0.1% fixed + 2.48% ...
by Atgard
Wed Apr 11, 2018 1:50 pm
Forum: Investing - Theory, News & General
Topic: I Bond’s Variable Rate Will Fall To 2.22% On May 1
Replies: 36
Views: 4698

Re: I Bond’s Variable Rate Will Fall To 2.22% On May 1

As to the topic of the thread, I was planning to hold off until May in the hopes of a higher fixed rate. But it seems unlikely they will do more than MAYBE go from 0.1% to 0.2%... and they could keep it the same or even go back to 0.0%. So I'm tempted to just buy now and lock in 0.1% fixed + 2.48% f...
by Atgard
Wed Apr 11, 2018 1:47 pm
Forum: Investing - Theory, News & General
Topic: I Bond’s Variable Rate Will Fall To 2.22% On May 1
Replies: 36
Views: 4698

Re: I Bond’s Variable Rate Will Fall To 2.22% On May 1

I've never had an issue with the Treasury Direct website. It's not super-slick, and it takes a little getting used to, but you can say the same about Vanguard. At the end of the day, they both work and are the most efficient way for me to buy the low-cost investments I want. Especially considering I...
by Atgard
Wed Apr 11, 2018 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: To HSA or HSA -- explain like I'm 5.
Replies: 32
Views: 2647

Re: To HSA or HSA -- explain like I'm 5.

The HSA is arguably the best tax savings vehicle available. Normally you have to either choose between a tax break now (traditional) or tax break later (Roth). With an HSA, you get both, also called "triple-tax-free": (1) you get a tax deduction the year you contribute, (2) the earnings grow and com...
by Atgard
Fri Mar 30, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 6292

Re: New car from dealer may have close to 150 miles - ok?

The real question is, do you want to pay to have the car towed 100 miles to avoid the mileage on the odometer? If so, offer to pay for that. You can ask the dealer to pay for it, but if they say yes, it really just means there is still enough profit left over in the deal you bargained even after ded...
by Atgard
Fri Mar 30, 2018 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Does my S Corp still make sense? Physician partnership income as K1 to self or keep S corp.
Replies: 6
Views: 738

Re: Does my S Corp still make sense? Physician partnership income as K1 to self or keep S corp.

I have a similar question/situation. I formed the S-Corp mainly to be able to max out a Solo 401K, do some other deductions (like HSA and employer health insurance), and secondarily to save the 2.9% on Medicare. IF the QBI does not include W-2 wages paid to yourself, it is a big strike against S-Cor...
by Atgard
Wed Mar 21, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Rent or Buy in Miami?
Replies: 20
Views: 1762

Re: Rent or Buy in Miami?

I would definitely recommend renting until you get to know the area. Probably even until you know what your plans are after her program is over. Where will she work? Traffic in Miami can be harsh, you'll want to factor in where your job is so you don't end up with a terrible commute. And while South...
by Atgard
Wed Mar 21, 2018 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: How/when to sell high-cost funds with capital gains?
Replies: 12
Views: 1226

Re: How/when to sell high-cost funds with capital gains?

Just pull it off fast like a band-aid. Yeah, you pay once (taxes you would probably pay at some point anyway), but it's better than paying higher fees every single year forever. It was worth it for me in psychological benefits alone, not to mention it only took a couple years to be financially ahead...
by Atgard
Mon Mar 19, 2018 2:21 pm
Forum: Investing - Theory, News & General
Topic: Incredibly sleazy Northwestern Mutual cold caller
Replies: 78
Views: 8128

Re: Incredibly sleazy Northwestern Mutual cold caller

That's not incredibly sleazy, just the normal sleazy. Seems that way to me too. Not defending the guy, but he didn't seem to get rude or super-aggressive or straight-up lie as bad as some I have heard (and heard about). He was pitching his schtick, this happens every single day and millions of peop...
by Atgard
Mon Mar 19, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Ever received a legitimate unsolicited call from the I.R.S.?
Replies: 24
Views: 2281

Re: Ever received a legitimate unsolicited call from the I.R.S.?

I have been contacted my the IRS, and it has always been by mail (forgot a 1099 once and miscalculated when I did my returns manually another time). I forgot a 1099-DIV for $20 this year. The tax would be about $3 to $4. Curious to see if they chase me down for that. In general, they send automated...
by Atgard
Mon Mar 19, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Least Expensive Way to Comprehensively Learn Law
Replies: 22
Views: 1704

Re: Least Expensive Way to Comprehensively Learn Law

There is no such thing as "comprehensively" learning law. There are so many specialties & sub-specialties & jurisdictions... you could bring an issue to a top-tier expert litigator at a big firm with 30+ years experience... and the first thing in almost every case is to get an associate to research ...
by Atgard
Mon Mar 19, 2018 1:59 pm
Forum: Investing - Theory, News & General
Topic: Parking Business Cash - WHERE?
Replies: 21
Views: 2757

Re: Parking Business Cash - WHERE?

It's a good question. For "business" cash I'm assuming you want something safe & liquid (otherwise you would take it as a distribution and invest it personally in accordance with your AA). Right now I'm in the same boat with a business account with good features & no fees, but no interest either. It...
by Atgard
Sun Mar 18, 2018 7:51 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Going Sideways/Weird Shipment Problems
Replies: 66
Views: 5713

Re: Amazon Prime Going Sideways/Weird Shipment Problems

For what it's worth, I've still been very happy with Amazon Prime. They don't always arrive in 2 days, but the definitely do more often than not, probably 75%+. Most of the time, an extra day or two isn't a big deal to me. When it is a big deal, or an item is very late, Amazon has been good about of...
by Atgard
Wed Mar 07, 2018 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]
Replies: 128
Views: 14054

Re: HSA family max contribution lowered to $6850 for 2018

I had no idea they could retroactively change it, I already put in the whole $6,900 for the year. What a pain. Can they do this to IRA limits next? Seems to me they need to have it sorted before Jan 1!
by Atgard
Mon Mar 05, 2018 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Another reason to steer clear of Bitcoin. As if we need another reason...
Replies: 47
Views: 6485

Re: Another reason to steer clear of Bitcoin. As if we need another reason...

If you drive a billion dollar car, people can see it on the roads every day. People may even deduce the identity of said driver / owner. Except this is not remotely the same thing. Someone can steal your car -- you hand him the keys and say "Have a nice day." The car is still registered to you. Whe...
by Atgard
Mon Mar 05, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Rome-Florence-Venice-Prague summer vacation
Replies: 54
Views: 3426

Re: Rome-Florence-Venice-Prague summer vacation

Please do not miss the Galleria Borghese while in Rome. It is less well-known than some other worthy attractions, but it is home to many fantastic Bernini sculptures. Also, even as a frugal Boglehead, I highly recommend splurging the $12 or so and reserving an English-speaking docent guided tour. It...
by Atgard
Mon Mar 05, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting: Is "saving" for future large expenses classified as savings?
Replies: 35
Views: 1587

Re: Budgeting: Is "saving" for future large expenses classified as savings?

* Purchasing a car gets slightly more complicated since it's not quite an expense like a trip but not usually a stable or appreciating asset like a house or stock. So to be accurate I'd look at the purchase cost minus sale cost at the end (so in my example above, actually assume buying a new car for...
by Atgard
Mon Mar 05, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting: Is "saving" for future large expenses classified as savings?
Replies: 35
Views: 1587

Re: Budgeting: Is "saving" for future large expenses classified as savings?

You ask a good question. I would consider retirement savings or non-earmarked savings as true "savings." For money socked away for non-monthly but recurring things like maintenance or buying a car, I would count them as expenses, and you're socking funds away on the months you don't have the expense...
by Atgard
Tue Feb 20, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Multiple Offer situation/should we pull our offer?
Replies: 72
Views: 5989

Re: Multiple Offer situation/should we pull our offer?

I wouldn't get too worked up about it, you put in your offer that you're willing to pay and that's it (obviously don't increase it or anything). But I agree, it's annoying the games people play. Make sure you put a short expiration on all offers. But you're right, take this as a sign they will play ...
by Atgard
Tue Feb 20, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 12201

Re: I'm Cancelling My Home Insurance

This really varies a lot in different parts of the country. I know people paying 2%+ of the value of their home per year in South Florida where hurricane (windstorm) coverage is very pricey, it's not a minor expense. I can see some people saying they will roll the dice and save those premiums instead.
by Atgard
Tue Feb 13, 2018 1:39 pm
Forum: Investing - Theory, News & General
Topic: I-Bonds?
Replies: 80
Views: 14792

Re: I-Bonds?

Does it make sense to delay filing my tax return in order to find out what the fixed rate will be in May (for paper I bonds)? Yeah, I like to overthink this too, but there's about a 33% chance it will be 0.0%, 33% chance it will stay at 0.1%, and 33% chance it will be 0.2%. Either way, a rounding e...
by Atgard
Mon Feb 12, 2018 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions of the Money for the Rest of Us Model Portfolio
Replies: 13
Views: 1343

Re: Opinions of the Money for the Rest of Us Model Portfolio

Am I missing something, or is the entire stock portion either global or explicitly not U.S. stocks? Of course some people advocate for example a 50/50 split of U.S. & international stocks, but I don't think I've seen anyone advocate having no U.S. stocks (beyond what's in the total world index, mea...
by Atgard
Sun Feb 11, 2018 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions of the Money for the Rest of Us Model Portfolio
Replies: 13
Views: 1343

Re: Opinions of the Money for the Rest of Us Model Portfolio

Am I missing something, or is the entire stock portion either global or explicitly not U.S. stocks? Of course some people advocate for example a 50/50 split of U.S. & international stocks, but I don't think I've seen anyone advocate having no U.S. stocks (beyond what's in the total world index, mean...
by Atgard
Sun Feb 11, 2018 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Family expecting “comps”
Replies: 38
Views: 5060

Re: Family expecting “comps”

You say an "immediate family member." I know if I owned a restaurant, I would never charge my mother or father or siblings. (Can you imagine how many meals my parents gave me over the years?) I am an attorney and I would also not charge an immediate family member. Of course, when you get to cousins ...
by Atgard
Sat Feb 10, 2018 11:11 am
Forum: Investing - Help with Personal Investments
Topic: CD Ladder or Treasuries ?
Replies: 17
Views: 2084

Re: CD Ladder or Treasuries ?

I don't really consider treasuries or other bonds more "liquid" than CDs. You can sell either early if you want. If you sell a bond early, you get the current market price, which could be anything (I mean, it's probably not going to be 10% of the face value, but it could fluctuate a fair bit dependi...
by Atgard
Sat Feb 10, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Tenants want to break lease early and is pregnant
Replies: 105
Views: 9541

Re: Tenants want to break lease early and is pregnant

While I think people here are trying to help you, be aware nobody else has seen the lease and many people may not know landlord-tenant law. This is not legal advice, but in at least some states it is not legal to charge them rent even after they move out and you also re-rent it to someone else. In o...
by Atgard
Thu Feb 08, 2018 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Best way to sell gold krugerrands?
Replies: 12
Views: 1495

Re: Best way to sell gold krugerrands?

As others have said, the key is to deal with a gold/bullion dealer and not a pawn shop or jewelry store. For Krugerrands (in any condition) you should be able to get roughly 98-99% of spot gold price (check on kitco.com). Just know their value and walk right out if the offer is not very close to the...
by Atgard
Thu Feb 08, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Leaving HCOL state for financial reasons
Replies: 48
Views: 5296

Re: Leaving HCOL state for financial reasons

Working in a HCOL city like SF or NYC is great for a first job, but it isn't compatible with the life I'd want with a family. At least, not at a price point that I could afford. An ideal life for me, age 35-55 let's say, is working 30-40 hours per week, having six weeks vacation, walking to work, a...
by Atgard
Wed Feb 07, 2018 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Am I creating an issue? [tax lots with many periodic contributions]
Replies: 21
Views: 1517

Re: Am I creating an issue?

Yes, I would definitely only buy once per month or at the most once per pay period. When people talk about DCA, they usually mean when they have a large lump sum to invest, and are scared to invest $50K or $500K all at once, so they spread it out maybe once a month over a year. So even doing once a ...
by Atgard
Tue Feb 06, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving HCOL state for financial reasons
Replies: 48
Views: 5296

Re: Leaving HCOL state for financial reasons

I had a fairly similar decision about 10 years back (associate at big law firm in Los Angeles), home prices there were in the midst of a crazy bubble (which I did think "if lawyers can't afford these houses, who is buying them?"), and I generally hated the traffic & commute. One thing people may not...
by Atgard
Tue Feb 06, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Comcast Modem Rental
Replies: 41
Views: 3049

Re: Comcast Modem Rental

Comcast is charging $11/mo. for modem rental. Any thoughts on buying a modem to eliminate the rental fee? Are there any problems with doing this? I have this. https://www.amazon.com/ARRIS-SURFboard-SB6141-DOCSIS-Cable/dp/B00AJHDZSI Not sure what advantages there could be renting from Comcast. Just ...
by Atgard
Tue Feb 06, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Want a Safe Car, Feel Guilty
Replies: 72
Views: 5731

Re: Want a Safe Car, Feel Guilty

There is a lot of "don't buy that expensive new car!" advice around here, which is often good advice because many many people buy more car than they can afford, lease or buy new every few years, and are on a never-ending treadmill paying car payments & interest, which interferes with retirement savi...
by Atgard
Fri Feb 02, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: Are we in an index fund bubble? Bill Ackman thinks we are.
Replies: 45
Views: 4606

Re: Are we in an index fund bubble? Bill Ackman thinks we are.

+1 for Total Stock Market index vs. S&P 500 index. Doesn't tell me indexing is in a bubble. It MAY mean that the largest 500 companies' prices have been bid up higher. But, if they didn't index, would index investors generally be pumping much of that money into micro-cap penny stocks instead? Or jus...
by Atgard
Fri Feb 02, 2018 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Factors that Mitigate the Need for Emergency Fund
Replies: 17
Views: 1310

Re: Factors that Mitigate the Need for Emergency Fund

It's definitely a case-by-case decision. Many factors can impact how much of an emergency fund you need, including: - Stability of income: someone with a very steady gov't job or other income stream unlikely to shrink or disappear may not need as much; a consultant or small business owner or working...