Search found 280 matches

by sixty40
Fri Sep 11, 2020 10:14 am
Forum: Personal Consumer Issues
Topic: Palm Desert golf
Replies: 11
Views: 999

Re: Palm Desert golf

Thanks for your input, I will look into these courses.
by sixty40
Thu Sep 10, 2020 2:23 pm
Forum: Personal Consumer Issues
Topic: Palm Desert golf
Replies: 11
Views: 999

Re: Palm Desert golf

We are not good golfers, I am the best of the bunch and I am a 11 handicap, so we are really just out there to play some golf and have a good time, but since we don't get together much we like to play nicer (scenic) courses. We usually play tees under 6500 yards.

Thanks for all the suggestions.
by sixty40
Thu Sep 10, 2020 9:42 am
Forum: Personal Consumer Issues
Topic: Palm Desert golf
Replies: 11
Views: 999

Re: Palm Desert golf

Thank you for the replies. Gnirk, thanks for noting the cart path only golf issue, I would rather not do that so I will need to ask the courses. I actually walk and carry my bag at my local muni courses and I really enjoy that, but my friends are cart golf people and I assume most courses in Palm De...
by sixty40
Wed Sep 09, 2020 2:09 pm
Forum: Personal Consumer Issues
Topic: Palm Desert golf
Replies: 11
Views: 999

Palm Desert golf

Hello All, We plan on taking a "guys" trip to Palm Desert in early November this year, can anyone recommend nice golf course to play? Maybe courses if cost is a consideration, and courses where cost is no consideration. I have never golfed at Palm Desert or Palm Springs. We plan on staying at Marrio...
by sixty40
Sat Sep 05, 2020 6:49 pm
Forum: Personal Consumer Issues
Topic: Reducing road noise that reaches back side of house
Replies: 43
Views: 2843

Re: Reducing road noise that reaches back side of house

I have looked into this extensively for my home. In general you need height, width, and weight. A 8” think concrete block wall, concrete filled, minimum height of 8 ft can help some, but cannot expect miracles. A less expensive sound blocking material would be mass loaded vinyl which comes in typica...
by sixty40
Sat Aug 29, 2020 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One Bank bonus $450
Replies: 51
Views: 9332

Re: Capital One Bank bonus $450

FYI. If you have $50k lying around for existing customers, Capital One Bank is offering a $450 bonus if you deposit $50k by 5/31/20 and hold it until 8/29/20. Or $150 bonus for a $20k deposit. Seems to only apply to existing accounts, but may also apply to new accounts, don't see why not. I don't k...
by sixty40
Sat Aug 29, 2020 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One Bank bonus $450
Replies: 51
Views: 9332

Re: Capital One Bank bonus $450

FYI. If you have $50k lying around for existing customers, Capital One Bank is offering a $450 bonus if you deposit $50k by 5/31/20 and hold it until 8/29/20. Or $150 bonus for a $20k deposit. Seems to only apply to existing accounts, but may also apply to new accounts, don't see why not. I don't k...
by sixty40
Fri Aug 21, 2020 12:04 am
Forum: Personal Consumer Issues
Topic: Calling all NEC Electrical and DIY Experts. Follow Up: Thanks Everyone.
Replies: 17
Views: 1487

Re: Calling all NEC Electrical and DIY Experts. Help?

NEC article 352 covers installation of rigid nonmetallic conduit (RNC), pvc40 is RNC. Your installation looks ok except you need to securely support the conduit with 3ft if termination to the panel/cabinet. Vertical unistrut with “U” bracket midway then? Thanks j🌺 As long as it’s “secured” and cann...
by sixty40
Fri Aug 21, 2020 12:03 am
Forum: Personal Consumer Issues
Topic: Calling all NEC Electrical and DIY Experts. Follow Up: Thanks Everyone.
Replies: 17
Views: 1487

Re: Calling all NEC Electrical and DIY Experts. Help?

NEC article 352 covers installation of rigid nonmetallic conduit (RNC), pvc40 is RNC. Your installation looks ok except you need to securely support the conduit with 3ft if termination to the panel/cabinet. Vertical unistrut with “U” bracket midway then? Thanks j🌺 As long as it’s “secured” and cann...
by sixty40
Thu Aug 20, 2020 9:29 pm
Forum: Personal Consumer Issues
Topic: Calling all NEC Electrical and DIY Experts. Follow Up: Thanks Everyone.
Replies: 17
Views: 1487

Re: Calling all NEC Electrical and DIY Experts. Help?

NEC article 352 covers installation of rigid nonmetallic conduit (RNC), pvc40 is RNC. Your installation looks ok except you need to securely support the conduit with 3ft if termination to the panel/cabinet. Vertical unistrut with “U” bracket midway then? Thanks j🌺 As long as it’s “secured” and cann...
by sixty40
Thu Aug 20, 2020 9:01 pm
Forum: Personal Consumer Issues
Topic: Calling all NEC Electrical and DIY Experts. Follow Up: Thanks Everyone.
Replies: 17
Views: 1487

Re: Calling all NEC Electrical and DIY Experts. Help?

NEC article 352 covers installation of rigid nonmetallic conduit (RNC), pvc40 is RNC. Your installation looks ok except you need to securely support the conduit with 3ft if termination to the panel/cabinet.
by sixty40
Wed Jul 01, 2020 12:58 pm
Forum: Personal Consumer Issues
Topic: Device for men's haircuts
Replies: 50
Views: 4620

Re: Device for men's haircuts

Hi, Due to the lockdown my wife started cutting my hair and I was really happy with the results. She used just a scissors and comb, but it seems like investing in a grooming device would make her job a lot easier. I even saw a description of one here (https://www.mrmoneymustache.com/2011/05/30/get-...
by sixty40
Sat May 16, 2020 11:31 am
Forum: Personal Investments
Topic: UGMA
Replies: 8
Views: 538

Re: UGMA

I remember researching this and the IRA allows up to around $4700 of unearned income w/o any taxes. My notes are; - Up to $1050 ( $1100 for 2019, provided no earned income ) no tax (0% tax rate) - Next $3650 no tax (0$ tax rate) if all LTCG or Qualified Dividend The above was under new Kiddie Tax r...
by sixty40
Sat May 16, 2020 9:42 am
Forum: Personal Investments
Topic: UGMA
Replies: 8
Views: 538

Re: UGMA

I have a UGMA set up for both both son and daughter (Ages 14 and 12). I have had them open and invested in Vanguard Star since birth (Originally because of the low cost to open). As they get older and start to near the ages they can use them (College, Car?) I was wondering if I should start switchi...
by sixty40
Mon Apr 27, 2020 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Capital One Bank bonus $450
Replies: 51
Views: 9332

Capital One Bank bonus $450

FYI. If you have $50k lying around for existing customers, Capital One Bank is offering a $450 bonus if you deposit $50k by 5/31/20 and hold it until 8/29/20. Or $150 bonus for a $20k deposit. Seems to only apply to existing accounts, but may also apply to new accounts, don't see why not. I don't kn...
by sixty40
Mon Apr 13, 2020 11:12 pm
Forum: Personal Consumer Issues
Topic: GoFundMe ... tipping!?
Replies: 33
Views: 7362

Re: GoFundMe ... tipping!?

What I really want in life though is an anonymous way to give to charity. I am loathe to give them checks, because I just end up on a bunch of new feel bad mailing lists. Perhaps a prepaid Visa or MasterCard debit card might provide the ability to anonymously donate. That's a really good idea. /I w...
by sixty40
Sun Apr 12, 2020 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Best Auto Insurance for Very Low Mileage
Replies: 12
Views: 837

Re: Best Auto Insurance for Very Low Mileage

I have Geico and they seem to accommodate. When my kids went away to college, more than 100 miles away, Geico lowered their rates from about $1100 to around $400. They were still covered when they came home for holiday or break. Many insurance companies give no breaks for cars less driven.
by sixty40
Sun Apr 12, 2020 9:42 am
Forum: Personal Finance (Not Investing)
Topic: your experience with Vanguard re: revised 1099's
Replies: 5
Views: 342

Re: your experience with Vanguard re: revised 1099's

If you are due a refund, then I would not do anything, assuming refund is more than the added cap gains tax. If you owe the IRS, you can just pay a few dollars more to cover the added cap gains tax, that is what I would do and then you can rest assured that even if you do get audited, you did not in...
by sixty40
Thu Apr 02, 2020 5:35 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard website: Activity through date?
Replies: 5
Views: 412

Re: Vanguard website: Activity through date?

Bump. Any way to know where my Vanguard portfolio stood on March 23? In the BALANCES AND HOLDINGS page, there are 3 tabs, the far right tab is BALANCES BY DATE. I use it all the time. The center tab allows you to compare your current YTD balance of each current holding to the beginning of the year.
by sixty40
Mon Mar 30, 2020 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Can I place a purchase order w/ Vanguard and THEN xfer the money?
Replies: 4
Views: 486

Re: Can I place a purchase order w/ Vanguard and THEN xfer the money?

As far as I know you do not need any money in your settlement acct to trade equities and ETFs. I have bought stocks or ETFs which exceeded the settlement acct balance, after the purchase the settlement was negative. I then would either sell something to get it back to positive or transfer money from...
by sixty40
Thu Mar 19, 2020 7:35 am
Forum: Personal Investments
Topic: Why does Vanguard's Total Bond Market fund keep going down?
Replies: 9
Views: 2249

Re: Why does Vanguard's Total Bond Market fund keep going down?

Could it be that the Bond Market Fund is going down because Bogleheads are selling it to rebalance into equities? :greedy P.S. Can't believe I am still capable of making jokes considering I am watching my life savings evaporate. LOL ... I distinctly remember the crises in 2008, my friend and I were...
by sixty40
Thu Mar 19, 2020 7:27 am
Forum: Personal Investments
Topic: "Why do you want to cancel?" - Vanguard
Replies: 10
Views: 2655

Re: "Why do you want to cancel?" - Vanguard

When I first opened my Vanguard mutual fund acct, I wanted to familiarize myself with the buy and sell orders for mutual funds. I would submit small buy and sell trades in weekends and after hours, and would cancel them w/o any issues, all on their website. I also cancelled mutual fund orders during...
by sixty40
Mon Feb 03, 2020 12:13 pm
Forum: Personal Consumer Issues
Topic: Examples of Low Tech Improving Your Life
Replies: 207
Views: 17913

Re: Examples of Low Tech Improving Your Life

I'm still using my iPhone 6S. TravelforFun I’m still using an iPhone 5s, 16gb, battery life still ok +1000 LOL - I'm still using the 5s too......my kids just shake their head...….. LOL, yeah when I pull my phone out at meetings or when people see it, the look on their face is "what is that?" But it...
by sixty40
Sun Feb 02, 2020 9:34 pm
Forum: Personal Consumer Issues
Topic: Examples of Low Tech Improving Your Life
Replies: 207
Views: 17913

Re: Examples of Low Tech Improving Your Life

TravelforFun wrote: Fri Jan 31, 2020 7:07 pm I'm still using my iPhone 6S.

TravelforFun
I’m still using an iPhone 5s, 16gb, battery life still ok
by sixty40
Tue Dec 10, 2019 9:27 pm
Forum: Personal Investments
Topic: Pick a stock
Replies: 93
Views: 5143

Re: Pick a stock

WCLD or SKYY, a bet on the cloud.(oops these are ETFs)
NVDA, a bet on AI and gaming
PCG, if they don’t go bankrupt ...
Just for play money of course.
I only own NVDA.
by sixty40
Sun Dec 08, 2019 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Private Company - Profit Sharing Plan Expectations
Replies: 10
Views: 689

Re: Private Company - Profit Sharing Plan Expectations

I am a HCE for a small sales company with annual sales revenue around $10m. My compensation is paid via salary, commissions, and bonuses. Recently the owner implemented a profit-sharing plan for a limited number of key contributors. However it is rather opaque as they wont reveal the numbers, which...
by sixty40
Fri Nov 08, 2019 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Where to find social security deductions
Replies: 10
Views: 982

Re: Where to find social security deductions

"Social Security income includes retirement, survivor benefits, and disability payments. For the most part, only taxable sources of income count in determining household MAGI-based income. However, all Social Security income of tax filers is counted, regardless of whether it is taxable or not. " ht...
by sixty40
Fri Oct 11, 2019 9:11 am
Forum: Personal Consumer Issues
Topic: Cheap Cell Phone Plan
Replies: 52
Views: 7007

Re: Cheap Cell Phone Plan

I too use tracfone, pay as you go, I buy the 1yr plan for $100, 1200 minutes talk, 1200 texts, 1.2gb data. I usually run out of texts and data before the yr is up, so I buy 1000 texts for $5 and 1gb data for $10, can also buy 1000 talk minutes for $10, all carries over when you renew. They also hav...
by sixty40
Thu Oct 10, 2019 11:32 pm
Forum: Personal Consumer Issues
Topic: Cheap Cell Phone Plan
Replies: 52
Views: 7007

Re: Cheap Cell Phone Plan

I too use tracfone, pay as you go, I buy the 1yr plan for $100, 1200 minutes talk, 1200 texts, 1.2gb data. I usually run out of texts and data before the yr is up, so I buy 1000 texts for $5 and 1gb data for $10, can also buy 1000 talk minutes for $10, all carries over when you renew. They also have...
by sixty40
Fri Sep 27, 2019 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: paying off loan prior to mortgage
Replies: 4
Views: 478

Re: paying off loan prior to mortgage

Yes pay them off, and it would be easy with your income. I have no mortgage, no car payments, pay off credit card each month, no debt and my credit score is about 800. I don't think paying off debts would affect your credit score, but not an expert on it. One thing that has slightly lowered my credi...
by sixty40
Thu Sep 26, 2019 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford around a $2M home?
Replies: 31
Views: 4401

Re: Can I afford around a $2M home?

At $800k income, you can probably afford a $1.5-$2.0M home (from an income standpoint), but I would look at your savings and net worth more closely. You mention your net worth is $1.9M. Based on the Millionaire Next Door formula, ($800k/yr x 40 yrs old) / 10 = $3.2M. If you had NW of $3.2M you woul...
by sixty40
Thu Sep 26, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford around a $2M home?
Replies: 31
Views: 4401

Re: Can I afford around a $2M home?

At $800k income, you can probably afford a $1.5-$2.0M home (from an income standpoint), but I would look at your savings and net worth more closely. You mention your net worth is $1.9M. Based on the Millionaire Next Door formula, ($800k/yr x 40 yrs old) / 10 = $3.2M. If you had NW of $3.2M you would...
by sixty40
Thu Sep 26, 2019 10:31 am
Forum: Personal Finance (Not Investing)
Topic: S-corp owning my car?
Replies: 1
Views: 256

Re: S-corp owning my car?

Our small consulting firm used to have our cars (used for both personal and business) as part of the s-corp, it became more beneficial and simpler for us to just get reimbursed for business mileage (about $0.55/mile), so we eliminated all company cars. The reimbursement for mileage has more than pai...
by sixty40
Tue Sep 24, 2019 9:55 pm
Forum: Personal Consumer Issues
Topic: Uber - first time user - will I get picked up
Replies: 36
Views: 3981

Re: Uber - first time user - will I get picked up

I've never used Uber before. Tomorrow morning I need to go the airport. I would normally call the taxi company this evening and request a car pick me up at 6am. Which has never been a problem. They are always on time and I typically get the same driver who is very pleasant. I'm half tempted to try ...
by sixty40
Sat Jun 15, 2019 3:03 am
Forum: Personal Investments
Topic: Vanguard Financial Plan requires Brokerage Account? Bait and switch?
Replies: 45
Views: 3927

Re: Vanguard Financial Plan requires Brokerage Account? Bait and switch?

- My initial feeling I had was this was some kind of bait and switch. Vanguard hasn't had the Vanguard Financial Plan since 2015. https://www.bogleheads.org/forum/viewtopic.php?t=160360 It has been managed by Vanguard PAS for the past 4 years. As the Vanguard website says, "Financial advice from a ...
by sixty40
Wed May 08, 2019 8:15 am
Forum: Personal Finance (Not Investing)
Topic: GEICO assigning higher risk driver to more expensive car
Replies: 12
Views: 2352

Re: GEICO assigning higher risk driver to more expensive car

We also have Geico for auto and when I inquired about putting a young driver to an older cheaper vehicle, they said they do not assign drivers to vehicles anymore, too much abuse. So now any listed driver can drive any insured vehicle.
by sixty40
Thu Apr 11, 2019 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Estimating Future Wealth (Wealth Potential)
Replies: 20
Views: 2178

Re: Estimating Future Wealth (Wealth Potential)

Using your data, $250k current net worth, $15k contribution/yr at end of each yr, using a 60/40 stock/bond portfolio based on avg historical return of 8.80% per Vanguard: - at 40 = $986,400 - at 50 = $2,518,000 - at 60 = $6,029,000 This is a good way to look at things, but I think you should use a ...
by sixty40
Thu Apr 11, 2019 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Estimating Future Wealth (Wealth Potential)
Replies: 20
Views: 2178

Re: Estimating Future Wealth (Wealth Potential)

I am just wondering if someone can give me any indication based on a current net worth, income, and age roughly what you could expect for a net worth level later on in life in your 50s, 60s, and 70s? Here are my stats: Age: 28 Income: $60k, have no idea what my future earnings growth would be. I am...
by sixty40
Thu Mar 28, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: What golf ball do you use?
Replies: 40
Views: 2682

Re: What golf ball do you use?

You can get also get "PRACTICE" ProV1 balls at about $30/doz in most places including Dicks and golf discount stores on-line. I use them also, they are the same as the regular ProV1's, you may get a mix, legal and tender for use for handicapping and most if not all all competitions, and is looked at...
by sixty40
Mon Mar 25, 2019 11:37 am
Forum: Personal Investments
Topic: tax explanation on active vs passive funds in a taxable brokerage account
Replies: 22
Views: 1623

Re: tax explanation on active vs passive funds in a taxable brokerage account

Real life example based on 2018 1099-div, assume based on $100,000 for each fund. Dodge and Cox Stock Fund distributions: $1708 total dividends, $8000 LT capital gains. VG Total Stock Mkt fund distribution: $1970 total dividends, $0 capital gains. This example is just based on how much more in taxe...
by sixty40
Mon Mar 25, 2019 10:01 am
Forum: Personal Investments
Topic: tax explanation on active vs passive funds in a taxable brokerage account
Replies: 22
Views: 1623

Re: tax explanation on active vs passive funds in a taxable brokerage account

Real life example based on 2018 1099-div, assume based on $100,000 for each fund. Dodge and Cox Stock Fund distributions: $1708 total dividends, $8000 LT capital gains. VG Total Stock Mkt fund distribution: $1970 total dividends, $0 capital gains. This example is just based on how much more in taxe...
by sixty40
Sun Mar 24, 2019 11:32 pm
Forum: Personal Investments
Topic: tax explanation on active vs passive funds in a taxable brokerage account
Replies: 22
Views: 1623

Re: tax explanation on active vs passive funds in a taxable brokerage account

Real life example based on 2018 1099-div, assume based on $100,000 for each fund. Dodge and Cox Stock Fund distributions: $1708 total dividends, $8000 LT capital gains. VG Total Stock Mkt fund distribution: $1970 total dividends, $0 capital gains. This example is just based on how much more in taxes...
by sixty40
Sun Mar 24, 2019 11:13 pm
Forum: Personal Consumer Issues
Topic: What golf ball do you use?
Replies: 40
Views: 2682

Re: What golf ball do you use?

If Costco member, get Kirkland 3-piece balls, $24+$5 shipping for 2 dozen, best deal out there and they are premium balls. 9 handicap. You get a premium ball for the price of cheap rock hard balls.
by sixty40
Sun Mar 24, 2019 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: ordinary vs qualified divs from total stock market
Replies: 4
Views: 635

Re: ordinary vs qualified divs from total stock market

If you are asking why does the 1099-div have both dividends in box-1 and qualified dividends in box-2. Box1 is total dividends, box2 indicates how much in box1 is qualified. Box2 can be smaller or equal to box1. Box 2 is taxed at long term capital gains rate, the remainder of box1 less box2 is taxed...
by sixty40
Sun Mar 17, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: Buy a previous loaner car
Replies: 20
Views: 1876

Re: Buy a previous loaner car

We bought a 2017 Corolla in early 2018 dealer loaner car with about 10k miles, it was still under factory 3yr 36k mile warranty. It has not had any issues.
I don’t think it’s a problem getting a late model loaner, just make sure it has at least 1yr 15k mikes bumper to bumper warranty remaining
by sixty40
Sat Mar 16, 2019 1:29 am
Forum: Personal Finance (Not Investing)
Topic: homeownership coaching
Replies: 13
Views: 1637

Re: homeownership coaching

Our home is relatively young compared to yours, only about 30 yrs old, bought it used in 2003. Since then I have replaced the roof, replaced AC and heating unit, updated front and back landscape, fixed refrigerator (sub-zero), fixed dishwasher, etc. When we were younger with smaller kids I think I d...
by sixty40
Sat Mar 16, 2019 12:57 am
Forum: Personal Investments
Topic: Take the Lump Sum now? Or get annuity payments for life?
Replies: 7
Views: 1374

Re: Take the Lump Sum now? Or get annuity payments for life?

Based on a $18,000 payout, a $155/m payment comes out to $1860/yr which is more than a 10% payout rate. An immediate annuity based on $18000 initial payment is $82/m or $1968/yr or about a 5.4% payout. (USAA annuity calculator) Not having more information about your situation and based on your numbe...
by sixty40
Thu Mar 07, 2019 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 37094

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

Was pleasantly surprised that my fed tax dropped 19% from last year with practically the same AGI & Taxable Income compared to 2017. Anyone else in CA have this outcome? Live in CA, no mortgage, 2 kids with one younger than 17, MFJ. 2018 AGI is practically the same as 2017 AGI, less than 1% differen...
by sixty40
Sat Feb 23, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: professions for siblings or kids that can benefit family
Replies: 3
Views: 554

professions for siblings or kids that can benefit family

This is more of a curiosity than anything. If you have 4 kids or 3 other siblings, which 4 professions you think you would want them and you to have that can greatly help the family? I was just thinking about this the other day when I was with my mom in the hospital ED and thinking about work needed...
by sixty40
Sat Feb 16, 2019 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Get an umbrella and reduce limits on vehicle coverage?
Replies: 23
Views: 1137

Re: Get an umbrella and reduce limits on vehicle coverage?

For Geico umbrella, I think you need minimum 300/600 for all autos.