Search found 276 matches

by darrvao777
Sun Aug 02, 2020 11:24 am
Forum: Personal Consumer Issues
Topic: Car reviews - Consumer Reports or other sources?
Replies: 51
Views: 4486

Re: Car reviews - Consumer Reports or other sources?

bumping an old thread

if car reliability is the most important thing to me, is CR still the recommended reference resource?

thanks
by darrvao777
Sun Aug 02, 2020 8:22 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 361
Views: 44729

Re: Don't pay full price for SiriusXM radio

I recently came across an email offer for Sirius that was $5/month for 12 months and they would throw in a "free" Echo Dot. My wife, who is as frugal as she is sweet, said we barely drive anywhere anyway. She told me to keep waiting for a better offer. Less than a week later, I get another email off...
by darrvao777
Sun May 10, 2020 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: $2 million dollar house pre requisites
Replies: 109
Views: 10048

Re: $2 million dollar house pre requisites

I’m talking things like annual income. Savings. Down payment. i have a modified version of wci’s rules on this i would have at least 20% down payment ($400k) if i’m borrowing $1.6M i would want to be making at least $800k/yr i would ideally like to have at least $1.6M in savings (i recently purchas...
by darrvao777
Sun Apr 26, 2020 3:29 pm
Forum: Personal Consumer Issues
Topic: DIY Auto Detailing Products
Replies: 29
Views: 1489

Re: DIY Auto Detailing Products

I recently bought a new used car and would like to be better at caring for the aesthetic. It's a Toyota so I hope it will last forever, and I intend to drive it forever with regular maintenance and mechanical preventative maintenance. I've been researching brands and have settled on chemical guys f...
by darrvao777
Fri Apr 10, 2020 9:43 am
Forum: Personal Investments
Topic: Your AA once you hit 7 figures
Replies: 34
Views: 2658

Re: Your AA once you hit 7 figures

Hello Bogleheads, I am wondering what your AA was when you first hit 7 figures and if you adjusted your AA once passing that mark. I am also interested if anyone had other triggers such as hitting a different number or experiencing a certain life event that prompted you to adjust your allocation. I...
by darrvao777
Thu Apr 02, 2020 11:06 pm
Forum: Personal Consumer Issues
Topic: Car Wheel Cleaner Spray
Replies: 9
Views: 720

Re: Car Wheel Cleaner Spray

optimum power clean diluted 1:3 is great for cleaning wheels, tires, and even as a pre soak prior to washing the car
by darrvao777
Mon Mar 09, 2020 10:26 pm
Forum: Personal Investments
Topic: TLH to non-Vanguard mutual funds
Replies: 5
Views: 270

Re: TLH to non-Vanguard mutual funds

Now would it be an option to sell VTSAX into cash and then use that cash to purchase FSKAX? Or would the selling of VTSAX result in unavailable funds that would keep my money out of the market for a few days? Best case, your money would be out of the market for one day assuming Vanguard makes the m...
by darrvao777
Mon Mar 09, 2020 9:46 pm
Forum: Personal Investments
Topic: TLH to non-Vanguard mutual funds
Replies: 5
Views: 270

Re: TLH to non-Vanguard mutual funds

This is correct. You can only exchange between funds within the same family. This is what I do (e.g., VFWAX is a partner for VTIAX). Here's a discussion on a good TLH partner for VTSAX (https://www.bogleheads.org/forum/viewtopic.php?t=283965). ETFs are often a better choice if you want to TLH with ...
by darrvao777
Mon Mar 09, 2020 9:24 pm
Forum: Personal Investments
Topic: TLH to non-Vanguard mutual funds
Replies: 5
Views: 270

TLH to non-Vanguard mutual funds

I currently use Vanguard as my brokerage

I noticed I don't have an option to exchange a current Vanguard mutual fund to a non-Vanguard mutual fund

(e.g attempt to TLH by selling VTSAX and purchasing FSKAX, all within the Vanguard brokerage)

Is that correct? Or am I missing something?
by darrvao777
Tue Feb 18, 2020 12:45 pm
Forum: Personal Investments
Topic: How to most efficiently "clean up" taxable accounts?
Replies: 5
Views: 677

Re: How to most efficiently "clean up" taxable accounts?

Thanks for everyone's quick reply I figured as much, I will likely lean towards just holding still. My rationale for selling was kind of silly I just wanted to streamline things as much as possible and minimize the number of 1099s I receive each year. Nothing simpler than just having the 3 fund port...
by darrvao777
Tue Feb 18, 2020 11:30 am
Forum: Personal Investments
Topic: How to most efficiently "clean up" taxable accounts?
Replies: 5
Views: 677

How to most efficiently "clean up" taxable accounts?

I am looking to clean up my taxable accounts. I realize I likely will not be able to do this without incurring large taxable events. But I figured I would throw it out there to see if anyone thought this would be worthwhile I have ~$370K in VTSAX with $128K of that representing long term capital gai...
by darrvao777
Sat Dec 28, 2019 12:28 am
Forum: Personal Investments
Topic: 2019 Portfolio Review
Replies: 9
Views: 1121

Re: 2019 Portfolio Review

Thank you to everyone who commented - I will start simplifying the smaller accounts so that they just contain 1 fund - My wife no longer works which is why her 401k no longer gets new contributions - I've always been slow to make asset allocation changes but I do like the idea of simplifying, simpli...
by darrvao777
Fri Dec 27, 2019 2:58 pm
Forum: Personal Investments
Topic: 2019 Portfolio Review
Replies: 9
Views: 1121

2019 Portfolio Review

Emergency funds : I have 3 months of expenses in checking and a large taxable account I can access in case of emergency Debt : $500000 mortgage, 4% interest rate Tax Filing Status : Married Filing Jointly Tax Rate : 37% Federal, 0% State State of Residence : FL Age : 34 Desired Asset allocation : 6...
by darrvao777
Fri Dec 20, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: Strategy to work a deal when buying a car
Replies: 38
Views: 3238

Re: Strategy to work a deal when buying a car

have them deliver the car to your home so you don’t have to deal with the people in the finance office LOL - great idea! Would you then request to sign the paperwork at your home? yup i’ve done this multiple times i typically use the community center at my community to maintain privacy others have ...
by darrvao777
Tue Dec 17, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: Strategy to work a deal when buying a car
Replies: 38
Views: 3238

Re: Strategy to work a deal when buying a car

have them deliver the car to your home so you don’t have to deal with the people in the finance office
by darrvao777
Thu Oct 17, 2019 6:22 pm
Forum: Personal Consumer Issues
Topic: Car waxing/sealant for a newb (not for high level detailing)
Replies: 23
Views: 3634

Re: Car waxing/sealant for a newb (not for high level detailing)

wash with ONRWW which contains wax

dry with opti seal which is a sealant that will penetrate through the wax (optimum synergy)

i top with p and s beadmaker for greater slickness and gloss

simple products that have worked really well for me
by darrvao777
Sat Oct 12, 2019 7:06 am
Forum: Personal Consumer Issues
Topic: Best No Annual Fee Visa Credit Card with Cash Back
Replies: 56
Views: 5681

Re: Best No Annual Fee Visa Credit Card with Cash Back

DC is a MasterCard. Presumably OP's need for a Visa is tied to Costco usage, which having a Costco Visa addresses. I have played the credit card rewards game for a while, but the 3 card setup that Nate79 lays out is probably one of the best for OP's situation (cashback only, no annual fees). You ca...
by darrvao777
Sat Oct 12, 2019 7:05 am
Forum: Personal Consumer Issues
Topic: Best No Annual Fee Visa Credit Card with Cash Back
Replies: 56
Views: 5681

Re: Best No Annual Fee Visa Credit Card with Cash Back

I would get the Amazon card for shopping at Amazon, the Costco card for at Costco and at the bonus categories, and the Citi double cash for everything else. I like this setup I eliminated the double cash card since its benefits were nerfed so badly: - no worldwide car rental insurance - no worldwid...
by darrvao777
Fri Oct 11, 2019 10:31 pm
Forum: Personal Consumer Issues
Topic: Best No Annual Fee Visa Credit Card with Cash Back
Replies: 56
Views: 5681

Re: Best No Annual Fee Visa Credit Card with Cash Back

i only use the costco card

best extended warranty in the industry (for now)
by darrvao777
Fri Sep 27, 2019 10:52 pm
Forum: Personal Consumer Issues
Topic: Apple iPhone iOS 13 Discussion
Replies: 79
Views: 10081

Re: Apple iPhone iOS 13 Discussion

andypanda wrote:
Fri Sep 27, 2019 3:20 pm
13.1.1 is out now. :D
Had to use iTunes to update

Over the air update led to a U1 chip problem
by darrvao777
Sun Sep 01, 2019 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Gifting 60k to someone
Replies: 41
Views: 6736

Re: Gifting 60k to someone

Sorry to dig up an old thread. I wanted to talk about the logistics of the above. Can the gift be transferred in one sitting? e.g. one $60000 check from the joint account of A and B to the joint account of X and Y Or would it be better for A to sign a $15K check to X, then A to sign a $15K check to...
by darrvao777
Sat Aug 31, 2019 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting 60k to someone
Replies: 41
Views: 6736

Re: Gifting 60k to someone

It is only a reporting requirement. You don't have to pay a tax or penalty. The amount over the $15k annual exclusion just reduces your lifetime estate exemption. If you are a couple and are gifting to another couple, you can gift $60k without triggering the reporting requirement ($15k from each to...
by darrvao777
Thu Aug 29, 2019 3:32 pm
Forum: Personal Consumer Issues
Topic: downside of going to a competitive high school?
Replies: 49
Views: 4011

Re: downside of going to a competitive high school?

My kid will go to high school in a few years. Our local public high school is very competitive. I hear plenty of horror stories about kids stressed out about grades. I am worried about the impact it will have on my kid's mental well being. In additional to that, an acquaintances told me going to a ...
by darrvao777
Thu Aug 29, 2019 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting 60k to someone
Replies: 41
Views: 6736

Re: Gifting 60k to someone

It is only a reporting requirement. You don't have to pay a tax or penalty. The amount over the $15k annual exclusion just reduces your lifetime estate exemption. If you are a couple and are gifting to another couple, you can gift $60k without triggering the reporting requirement ($15k from each to...
by darrvao777
Fri Jul 26, 2019 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with Costco Citi Visa?
Replies: 34
Views: 4893

Re: Experience with Costco Citi Visa?

Anyone using Costco's Citi Visa? * Traveled outside the US with it? ** How were the foreign exchange rates for any out of country transactions (especially Canada)? ** No transaction fees for the foreign currency transaction, right? Anything else I should know? The table of information said no annua...
by darrvao777
Fri Jul 26, 2019 5:27 am
Forum: Personal Consumer Issues
Topic: Long commute: how to manage?
Replies: 110
Views: 7945

Re: Long commute: how to manage?

It depends on what your commute looks like too

Mine is also an hour but it is against traffic with rare bumper to bumper

I ended up getting a manual transmission car, keeps me more engaged and there are days I look forward to the commute and rowing my own gears
by darrvao777
Sun Jun 23, 2019 4:01 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 361
Views: 44729

Re: Don't pay full price for SiriusXM radio

Is this $5/month plan indefinite? Like some others participating in this thread, I'd prefer not to deal with a customer service agent every 6 or 12 months. It's only for 1 year I used the virtual account number trick so by the time it's ready to renew, they'll have to come to me to get an up to dat...
by darrvao777
Sat Jun 22, 2019 9:38 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 361
Views: 44729

Re: Don't pay full price for SiriusXM radio

Thanks to everyone's advice I also signed up for the $70/year plan With regards to why, I do agree it is nice to be able to jump in the car and have access to a couple of favorable music channels without having to fiddle with my phone. Using the online interface and the live chat feature is a nice w...
by darrvao777
Sat Jun 01, 2019 9:14 pm
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 126
Views: 11545

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

May 2019 was a "devastating" month

-$85K investment returns (which I don't track or notice)
-$672K withdrawal for a house downpayment (which I definitely DID notice, hoping to never make as big a withdrawal ever again)
by darrvao777
Thu May 30, 2019 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: How to do a check deposit with your cellphone app
Replies: 14
Views: 1458

Re: How to do a check deposit with your cellphone app

I would find a new bank

I hate banks that offer such ridiculously low limits on mobile deposit

My previous bank capped mobile deposits at $1000
by darrvao777
Thu May 30, 2019 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford this 2.3 million dollar home?
Replies: 273
Views: 29701

Re: Can I afford this 2.3 million dollar home?

For everyone who utters the refrain that buying this expensive of a house is akin to signing up for slavery, what say you about this plan? Purchase house with 30% down Put An extra 10k/month (less than half of current taxable acct savings) into mortgage Payoff the note in 10 years. If expenses rema...
by darrvao777
Sat May 11, 2019 10:10 am
Forum: Personal Finance (Not Investing)
Topic: How to Wire Funds from Vanguard
Replies: 9
Views: 2338

Re: How to Wire Funds from Vanguard

My wife and I are buying a new home for cash and we will be required to wire the funds to the title company at the close of escrow. Where in the world does it say how to do this on the Vanguard site? I've tried to search the site and it just says that their search function is not working and to try...
by darrvao777
Sat May 11, 2019 9:43 am
Forum: Personal Investments
Topic: tax efficient lazy portfolio strategies
Replies: 12
Views: 2277

Re: tax efficient lazy portfolio strategies

1/3 total stock
1/3 total intl
1/3 intermediate term muni bond fund
by darrvao777
Sat May 11, 2019 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Cash - Throw it all on the table!!!
Replies: 226
Views: 43501

Re: Cash - Throw it all on the table!!!

At least $50000 in checking

We have a large mortgage $15k/month so we need a large cash cushion
by darrvao777
Fri May 10, 2019 12:43 pm
Forum: Personal Consumer Issues
Topic: Home Safe...Looking for advice
Replies: 19
Views: 2762

Re: Home Safe...Looking for advice

Obvious as well, I would install it yourself and let as few people know about it as possible

Even if it doesn't contain anything super valuable, people may get the wrong idea

Not as common anymore but hiring people to deliver and install the safe is a big no no in my book
by darrvao777
Fri May 10, 2019 12:42 pm
Forum: Investing - Theory, News & General
Topic: Any conservative young investors?
Replies: 79
Views: 9684

Re: Any conservative young investors?

<35

66/33 split

Plan to continue indefinitely
by darrvao777
Tue May 07, 2019 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: What’s in your pocket?
Replies: 22
Views: 2431

Re: What’s in your pocket?

Phone
Keys
Wallet
Protection
Water
by darrvao777
Sun Apr 14, 2019 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Home affordability - Can I afford it?
Replies: 22
Views: 2686

Re: Home affordability - Can I afford it?

Is mortgage 2x gross reasonable?

Maybe the OP can just save longer with a larger down payment and the smaller mortgage will result in smaller risk?
by darrvao777
Sat Apr 13, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: China travel
Replies: 25
Views: 2302

Re: China travel

Is it safe to travel there? I hear these rumors about Chinese Americans potentially being served with exit bans and terrible traffic infrastructure safety issues? Exaggerations? There have been issues where American citizens who were born in China or have family currently living in China have been ...
by darrvao777
Fri Apr 12, 2019 9:12 pm
Forum: Personal Consumer Issues
Topic: China travel
Replies: 25
Views: 2302

Re: China travel

Is it safe to travel there? I hear these rumors about Chinese Americans potentially being served with exit bans and terrible traffic infrastructure safety issues? Exaggerations? There have been issues where American citizens who were born in China or have family currently living in China have been ...
by darrvao777
Fri Apr 12, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: China travel
Replies: 25
Views: 2302

Re: China travel

Is it safe to travel there?

I hear these rumors about Chinese Americans potentially being served with exit bans and terrible traffic infrastructure safety issues?

Exaggerations?
by darrvao777
Sun Mar 24, 2019 8:53 pm
Forum: Personal Consumer Issues
Topic: Lock Strategy for New House
Replies: 40
Views: 3365

Re: Lock Strategy for New House

I don't do anything special for the locks or doors since it would be far easier for a burglar to just break a window to get in if he didn't feel like kicking the door in. Any burglar who makes it into my home would be severely disappointed in the contents anyway. That's pretty much my thinking. Unl...
by darrvao777
Sun Mar 24, 2019 8:50 pm
Forum: Personal Consumer Issues
Topic: How do you organize your pockets?
Replies: 106
Views: 12927

Re: How do you organize your pockets?

cell phone = left front pocket

car keys = right front pocket

wallet = right back pocket

small bottle of water = left side pocket

self defense tool = appendix carry
by darrvao777
Sun Mar 24, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: Vanguard App & Android 4
Replies: 7
Views: 525

Re: Vanguard App & Android 4

dlabel wrote:
Sun Mar 24, 2019 1:26 pm
I would not use such an outdated and insecure version of Android to log into financial accounts.
This x2.
by darrvao777
Tue Mar 19, 2019 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1.5 million house?
Replies: 125
Views: 9715

Re: Can I afford a $1.5 million house?

I don’t see that kind of reimbursement lasting in medicine

I’m also a doc making seven figures, I’m thankful every day but I don’t see this lasting much longer

Maybe I’m being too conservative but I’m not buying primary or secondary homes at that price range
by darrvao777
Sun Mar 17, 2019 11:37 am
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 37018

Re: [2018 tax return - How does it compare to previous years?]

simplesimon wrote:
Fri Mar 15, 2019 1:02 pm
MFJ, took the standard deduction, no children. Effective tax rate declined by 2.5%.
Same but with 1 child
by darrvao777
Mon Feb 25, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: Building a home
Replies: 31
Views: 2896

Re: Building a home

Construction loans Does the lender need all your financial info beforehand? We are new to this so I just want to sit down and chat about the process and what it entails One lender is insisting he won’t meet with us until getting all of our financial data beforehand I’m leaning very strongly towards ...
by darrvao777
Mon Feb 18, 2019 8:26 am
Forum: Personal Consumer Issues
Topic: First thing(s) you'd do when you achieve financial independence?
Replies: 73
Views: 6500

Re: First thing(s) you'd do when you achieve financial independence?

Delayed gratification means that you'll get that gratification some days down the road. You work hard for a purpose. Some might work harder to accelerate their savings so they can get there faster. The moment you cross the finish line, what are the first things you would do? My wife and I hopefully...