Search found 149 matches

by toast0
Wed Oct 21, 2020 2:49 pm
Forum: Investing - Theory, News & General
Topic: Will it be a burden to file taxes when you sell after 30+ years?
Replies: 17
Views: 1973

Re: Will it be a burden to file taxes when you sell after 30+ years?

Where it may get annoying is when you try to sell the funds in the most tax efficient manor possible. Ideally you will want to sell the shares with highest basis first to minimize Capital Gains taxes. If you have thousands of small lots this could be a hassle. Another potential pitfall is tax loss ...
by toast0
Tue Oct 20, 2020 5:48 pm
Forum: Personal Consumer Issues
Topic: How to learn Intel/AMD architecture?
Replies: 10
Views: 943

Re: How to learn Intel/AMD architecture?

For Intel/AMD, try Inside the Machine by Jon Stokes. A lot of x86 details through 2006.
by toast0
Mon Oct 19, 2020 1:54 pm
Forum: Personal Consumer Issues
Topic: Smoke/CO detectors with strobe lights
Replies: 12
Views: 414

Re: Smoke/CO detectors with strobe lights

Needing to upgrade our smoke alarms to come up to code. The plan is to get hardwired with strobe lights. Any recommendations as to brand/model? Do hardwired units work during a power failure? Most hardwired alarms have a battery backup; when I replaced the alarms in my current house, I think it wen...
by toast0
Fri Oct 16, 2020 2:08 pm
Forum: Personal Consumer Issues
Topic: Chromebook and Zoom - very poor audio quality [RESOLVED!!!]
Replies: 17
Views: 1046

Re: Chromebook and Zoom - very poor audio quality

If your wifi is iffy, it's worth trying to use wired networking. Some older chromebooks have an ethernet port, but I think most don't, but they can use a USB network card; something like this (there's certainly other options, this is just one from a brand I trust)
by toast0
Sun Oct 11, 2020 4:43 pm
Forum: Personal Consumer Issues
Topic: Moving to CA - Keep or Change cars?
Replies: 60
Views: 2864

Re: Moving to CA - Keep or Change cars?

That's true. But I assume most people who have that vehicle don't just operate it as a normal gas vehicle? I've got a plug-in hybrid (Ford C-Max Energi); bought it in CA when my carpool buddy changed schedule. I bought it to use the carpool lane, and since charging was available at work, I charged ...
by toast0
Wed Oct 07, 2020 4:07 pm
Forum: Personal Consumer Issues
Topic: Annual oil changes a must? Car maintenance during these times
Replies: 101
Views: 7746

Re: Annual oil changes a must? Car maintenance during these times

We have a pair of Hondas that even before COVID we were driving less than 5000 miles/year. It's now less than 1000/car over the last year. We've always just gotten annual oil changes per the recommendation in the owner's manual. One of our cars is now at about 14 months since the last oil change. I...
by toast0
Sun Oct 04, 2020 12:01 am
Forum: Personal Consumer Issues
Topic: Car dealership fact or fiction? [Obtaining 2nd car key]
Replies: 16
Views: 2381

Re: Car dealership fact or fiction?

It's worth checking for a hide-a-key. I found one on a used truck I bought while attaching a trailer hitch, now we have two keys!
by toast0
Fri Oct 02, 2020 2:12 pm
Forum: Personal Investments
Topic: Large inheritance advice please!
Replies: 48
Views: 8452

Re: Large inheritance advice please!

Thank you. That's kind of what I was thinking. Keep all the REITs in tax deferred- even with the 199A deduction, it still seems more tax efficient to leave them there. I was going to use some CA Muni bonds in taxable, but don't want to have too much all in CA for the reasons you point out. Any sugg...
by toast0
Fri Oct 02, 2020 1:26 am
Forum: Personal Investments
Topic: Large inheritance advice please!
Replies: 48
Views: 8452

Re: Large inheritance advice please!

4) I won't have enough tax deferred space to place all of our bond and REIT allocation and I'd like to keep our Roth accounts with equities to maximize growth and tax benefits down the line. Any suggestions for how to prioritize REIT and bond placement? If we do end up putting some of the bonds in ...
by toast0
Wed Sep 30, 2020 12:38 am
Forum: Personal Consumer Issues
Topic: Will a smart phone bought in Europe work in US?
Replies: 24
Views: 1138

Re: Will a smart phone bought in Europe work in US?

The general trend is toward "world phones" that support all (or nearly all) bands, but to be sure you need to find out the exact variant / part number (not just model number) and look that up to see what bands it supports and compare against which bands AT&T uses. Not that I've seen. Sure, everythi...
by toast0
Sat Sep 26, 2020 1:46 am
Forum: Investing - Theory, News & General
Topic: Is hydrogen the fuel for the future of transportation?
Replies: 18
Views: 1341

Re: Is hydrogen the fuel for the future of transportation?

Hydrogen seems like a terrible way to store and transport energy. But it qualifies for green energy points, which is why there's some vehicles made to sell (or lease?) in California. Compressed Natural Gas had a much better case to be made; it's a pretty small change to a gas engine to run on CNG, t...
by toast0
Tue Sep 22, 2020 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Credit score mystery
Replies: 26
Views: 2050

Re: Credit score mystery

Hi Bogleheads, I was talking to a lender who provided me a pre-approval letter for a home loan. He mentioned that my credit score is 760, which is "perfect" by their standard. In Credit Karma, both of my scores are ~800 and the FICO score provided by my AMEX credit card is 772. I figured that lende...
by toast0
Wed Sep 16, 2020 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity CC declined, they deny declining
Replies: 41
Views: 3619

Re: Fidelity CC declined, they deny declining

Yes, I have had a CC transactions declined as claimed by the merchant. 3 times in recent memory. Calling my CC was no help as they claimed my card was not on hold and nothing had been declined. I used a different card to complete the purchase. Indeed, they were right as I was able to use the same c...
by toast0
Wed Sep 16, 2020 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Should I surrender my kids' insurance policies?
Replies: 13
Views: 1162

Re: Should I surrender my kids' insurance policies?

My parents bought and funded $1m variable life insurance policies on each of my kids when they were born in the mid 90's. They paid premiums into the policies for 3-5 years. No additional premiums were paid after that. At this point I've inherited the policies and am wondering if it makes sense to ...
by toast0
Wed Sep 16, 2020 2:21 pm
Forum: Personal Consumer Issues
Topic: Spouse: How to get REAL ID driver's license without social security card and recent job?
Replies: 79
Views: 5469

Re: Spouse: How to get REAL ID driver's license without social security card and recent job?

WARNING IT IS A FEDERAL OFFENCE TO KILL, KIDNAP, FORCIBLY ASSAULT, INTIMIDATE OR INTERFERE WITH DESIGNATED FEDERAL EMPLOYEES WHILE THEY ARE ENGAGED IN OR ON ACCOUNT OF THE PERFORMANCE OF THEIR ASSIGNED DUTIES. VIOLATORS ARE SUBJECT TO CRIMINAL PROSECUTION! 28 CFR PART 64 (ORDER NO. 1236-89). This i...
by toast0
Mon Sep 14, 2020 9:07 pm
Forum: Personal Consumer Issues
Topic: Optimal HVAC Size
Replies: 44
Views: 2790

Re: Optimal HVAC Size

I'm 87% sure my outside unit is too large, although there's a 13% it's just simply poor ducting. My partially finished basement and first floor are on the same unit, and I can't set the first floor temperature below 73 F or I get significant condensation in the basement on the ducts in the immediat...
by toast0
Sun Sep 13, 2020 10:27 pm
Forum: Personal Consumer Issues
Topic: Optimal HVAC Size
Replies: 44
Views: 2790

Re: Optimal HVAC Size

So, have you talked to someone who complained their unit was too large? What was the complaint? Swollen doors? Big bills? I'm 87% sure my outside unit is too large, although there's a 13% it's just simply poor ducting. My partially finished basement and first floor are on the same unit, and I can't...
by toast0
Wed Sep 09, 2020 1:44 am
Forum: Personal Consumer Issues
Topic: Repair plasma television or get new TV?
Replies: 71
Views: 4608

Re: Repair plasma television or get new TV?

That does sound like power supply capacitor problems, although Samsung said in 2012 that capacitor problems were limited to 2006-2008 tvs, and yours is a 2013. Doesn't mean the capacitors didn't fail, of course, plasma tvs put out a lot of heat and capacitors don't care for heat. I think it's probab...
by toast0
Wed Sep 02, 2020 4:05 pm
Forum: Investing - Theory, News & General
Topic: Why is there no title insurance for stocks?
Replies: 26
Views: 1855

Re: Why is there no title insurance for stocks?

My question is more along the lines of, what happens if person X who had 10 shares of AAPL died and had a will to give those shares to person Y, but person K accidentally temporarily inherited it (say because he cheated and hid the will) before the will came out and sold it to person M? Had this be...
by toast0
Wed Sep 02, 2020 10:40 am
Forum: Investing - Theory, News & General
Topic: Why is there no title insurance for stocks?
Replies: 26
Views: 1855

Re: Why is there no title insurance for stocks?

These days, most stock ownership is handled in book-entry form, instead of stock certificates. Of course, most ownership is on the books in street name (the brokerage), and then the brokerage has a record of who owns how many shares. (And, of course, Cede and Co). The end result is there's a registr...
by toast0
Wed Sep 02, 2020 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Underwriter asking about husband's old child support as if it is current
Replies: 21
Views: 2440

Re: Underwriter asking about husband's old child support as if it is current

We definitely will qualify, the problem is the underwriter is asking for the amount he pays monthly in child support and how long the child support obligation will last. What happens if you say zero and give the actual date? If you have the actual payment amount, why not give them the information t...
by toast0
Tue Aug 11, 2020 5:33 pm
Forum: Personal Consumer Issues
Topic: Herman Miller Aeron chair
Replies: 64
Views: 5030

Re: Herman Miller Aeron chair

I've never actually met anyone in real life who disliked or hated an Aeron. And that's with over a decade of working with thousands of whiny, entitled engineers who will complain about anything. Heard complaints about the coconut water but never about Aeron chairs. Hey --- I'd be happy to meet you....
by toast0
Sat Aug 08, 2020 1:32 am
Forum: Personal Finance (Not Investing)
Topic: Starting divorce process - how to succeed financially?
Replies: 79
Views: 10388

Re: Starting divorce process - how to succeed financially?

WHAT I WANT TO KNOW FROM YOU SMART PEOPLE: He was terrified of investing, so my $1.75M will be in cash (online savings accounts) except for about $120,000 in my retirement account at Vanguard which is fully invested in the three-fund portfolio. What should I do with the cash if my priority is to be...
by toast0
Fri Aug 07, 2020 11:56 am
Forum: Personal Consumer Issues
Topic: Tales of Uncanny Security Codes
Replies: 29
Views: 2241

Re: Tales of Uncanny Security Codes

At my last job, I was in charge of sending 6 digit codes like these. We didn't send any numbers starting with zero, to avoid confusion, and also avoided at least some of the numbers PizzaEater called recognizable because people impatient to get codes would commonly guess these. We also avoided sendi...
by toast0
Tue Aug 04, 2020 1:15 pm
Forum: Personal Consumer Issues
Topic: Owners of cars with 'autopilot' like features: Do you fly less and drive more for longer trips?
Replies: 31
Views: 2417

Re: Owners of cars with 'autopilot' like features: Do you fly less and drive more for longer trips?

I've got a 2017 Pacifica with all the stuff --- lane keeping, adaptive cruise control, automated emergency braking, blind spot warnings. Tesla adds lane-change assistance, visualization, and dubious claims on Twitter. I'm not thrilled with the adaptive cruise control on the Pacifica; it works for wh...
by toast0
Thu Jul 30, 2020 5:37 pm
Forum: Personal Consumer Issues
Topic: Need to destroy old external Hard Drives
Replies: 103
Views: 5622

Re: Need to destroy old external Hard Drives

Lot of bad suggestions here. Exercise for the reader: how does smashing the platter change the magnetic orientation of the bits on them? Hitting a magnetized piece of metal randomizes the magnetic domains and demagnetizes it. Hammering the platters directly could plausibly randomize the magnetic do...
by toast0
Wed Jul 15, 2020 12:54 am
Forum: Personal Consumer Issues
Topic: 4-year-old Corolla on long trip
Replies: 51
Views: 3613

Re: 4-year-old Corolla on long trip

I would take your car in for a general oil change/checkup right before the trip--make sure the tires and brakes are in good condition, all the lights (including turn signals) are working. I'd try to get the oil change/checkup at least two weeks before the trip; gives you time to deal with any issue...
by toast0
Mon Jul 13, 2020 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Recently found inheritance and how to proceed?
Replies: 20
Views: 4350

Re: Recently found inheritance and how to proceed?

The stocks were filed as unclaimed property due to her and her family having limited knowledge about investing. I honestly have no idea what is happening with the dividends, I'm assuming they auto re-invest. According to the records the designation of "lost property" happened gradually from 2007-20...
by toast0
Fri Jul 10, 2020 1:13 am
Forum: Personal Consumer Issues
Topic: Are basic minivans/suv "luxury" cars?
Replies: 77
Views: 4205

Re: are basic minivans/suv "luxury" cars?

$30K+ is still luxury because wages haven't kept up. Toyota Sienna L From $31,640 If you buy the base L trim and drive it into the ground, that would be "frugal." IMHO, the bigger lifestyle creep is lower MPG. Consumers have just completely forgotten about expensive gas prices. You could also just ...
by toast0
Sun Jun 21, 2020 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Do I have other options than mortgage default? How do I handle foreclosure?
Replies: 36
Views: 4230

Re: Do I have other options than mortgage default? How do I handle foreclosure?

2) It is a very very long shot but it would be good to read the details of any title insurance you bought when you bought the house as well as your homeowners insurance. Particularly in the title insurance there might be something that would protect the lender in situations like this. I would defin...
by toast0
Thu Jun 11, 2020 6:27 pm
Forum: Personal Consumer Issues
Topic: New construction house - what to consider?
Replies: 161
Views: 10652

Re: New construction house - what to consider?

Most of the other things I'd cover were well covered (twisted pair everywhere, maybe coax everywhere too?, wire for ceiling and outdoor access points, wire for speakers, plain for the TVs at eye level), but one thing I don't think anybody mentioned is do your best to get as-built drawings. In an ide...
by toast0
Tue Jun 02, 2020 2:47 pm
Forum: Personal Consumer Issues
Topic: Anyone Install MOCA for fios speed?
Replies: 27
Views: 1295

Re: Anyone Install MOCA for fios speed?

If your FIOS router has MOCA, check if the set top boxes have it too (some do!), in that case assuming your coax drops are near your tv, it should be pretty easy to connect cables and go. If you provide us the model number of all the FIOS equipment, we can find pictures of the back, although a coax ...
by toast0
Sat May 30, 2020 2:03 pm
Forum: Personal Consumer Issues
Topic: Update current laptop or buy new one?
Replies: 58
Views: 4067

Re: Update current laptop or buy new one?

If you're having fun messing with it (and it's clear that you are!), upgrading to an SSD will definitely get you some more life out of the system you have. If you've got 6GB, and the system max is 8GB, I don't think it makes sense to upgrade that. 6GB is probably ok anyway. Investing a small amount ...
by toast0
Thu May 28, 2020 12:36 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding keeping-up-with-the-joneses w.r.t. private schools
Replies: 320
Views: 18624

Re: Avoiding keeping-up-with-the-joneses w.r.t. private schools

Can maybe you or anyone else who lives in the Bay Area help me and maybe others understand how a neighborhood with $1.5 million homes paying $15k+ a year in property tax in a densely populated area not have some great schools in the US? Most of the school districts in California get less from local...
by toast0
Wed May 27, 2020 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding keeping-up-with-the-joneses w.r.t. private schools
Replies: 320
Views: 18624

Re: Avoiding keeping-up-with-the-joneses w.r.t. private schools

The Bay Area has a ton of private schools, so you have a lot of choices. When we were there, we put our kid in a private school that we felt was academically challenging, but with a focus on social development. We moved out of state to an area that gets great ratings for public schools, but we miss ...
by toast0
Sat Apr 18, 2020 9:57 pm
Forum: Personal Consumer Issues
Topic: Computers - Solid State Drive vs. Hard Disk Drive
Replies: 75
Views: 4270

Re: Computers - Solid State Drive vs. Hard Disk Drive

One thing to point out, which I don't think anybody touched on. From my experience, SSDs fail a lot less often than traditional hard drives, but when they do fail, they often fail completely --- the drive goes from working fine one day to being 100% inaccessible the next day. If you've had a traditi...
by toast0
Tue Mar 17, 2020 1:20 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197747

Re: Preferred greeting with clients for social distancing, elbow bump or other?

Murgatroyd wrote: Mon Mar 16, 2020 4:49 pm The elbow bump is actually fun.
I don't know about you, but bumping into things with my elbow is not fun. :P
by toast0
Mon Mar 16, 2020 10:09 pm
Forum: Investing - Theory, News & General
Topic: How Vanguard calculates wash sale disallowed
Replies: 5
Views: 603

Re: How Vanguard calculates wash sale disallowed

international001 wrote: Mon Mar 16, 2020 8:05 pmBut I don't understand the change of the hold period of the replacing shares
THat's because it's not replaced, it's "tacked on"; the days the disallowed loss shares were held is added on to the shares that had their basis adjusted.
by toast0
Wed Mar 11, 2020 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Unmarried home ownership, joining his preexisting purchase
Replies: 72
Views: 3787

Re: Unmarried home ownership, joining his preexisting purchase

A bit of history- He purchased joint in 2016 with his now ex-wife. She moved out a little over two years ago and he bought her half. She gained several thousand (not sure the amount) on the reappraisal post-divorce- a 100K increase in two years. He gave her an extra $5K because she was apparently t...
by toast0
Thu Feb 20, 2020 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: RSU Vesting vs Income
Replies: 13
Views: 1337

Re: RSU Vesting vs Income

California's Franchise Tax Board (the department administering the state income tax) has a document about this here . The basic premise is If you are a nonresident of California on the date the stock vests, the character of the income attributable to the vesting is compensation for services rendered...
by toast0
Mon Feb 17, 2020 1:10 am
Forum: Personal Consumer Issues
Topic: When will 5G be available in Rural US?
Replies: 70
Views: 4754

Re: When will 5G be available in Rural US?

The problem is 5G means a lot of things to a lot of people. Rather high frequency, low distance, super high speed data transfer. To get usable coverage from this, you need to either be in a sports stadium, or have a micro tower on every lamppost or power pole. This is basically never coming to rural...
by toast0
Thu Feb 13, 2020 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Out of State Colleges - Good Computer Science Bargains?
Replies: 65
Views: 4638

Re: Out of State Colleges - Good Computer Science Bargains?

searching for a smaller computer science department with offerings in animation, game design, VR, entrepreneurial, business, etc. Some other people mentioned this, but I want to reinforce it: the listed things aren't computer science. The first half is all digital arts, and the second would be in b...
by toast0
Mon Feb 10, 2020 5:23 pm
Forum: Personal Consumer Issues
Topic: Chrysler Pacifica?
Replies: 33
Views: 2308

Re: Chrysler Pacifica?

We've got a mid-2016 (model year 2017) Pacifica. From my experience, I would recommend waiting for at least the second model year. All cars have issues, but this one seems worse than other vehicles we got new. Here's my list of things I remember: We had an issue within a couple months of delivery wh...
by toast0
Wed Jan 29, 2020 6:03 pm
Forum: Personal Consumer Issues
Topic: Computer/internet/DNS(?) problem
Replies: 70
Views: 3094

Re: Computer/internet/DNS(?) problem

This sounds like it could possibly be an MTU issue. I don't know why it would affect only one computer on your network, but some of the symptoms line up --- especially that some sites work, and some don't. In the US, this is most often an issue on DSL based connections, where it's common to have an ...
by toast0
Tue Jan 28, 2020 2:27 am
Forum: Personal Consumer Issues
Topic: phone oddity - can't connect to one business number
Replies: 3
Views: 510

Re: phone oddity - can't connect to one business number

Something is wrong between your phone carrier and their (inbound) phone carrier. A lot of businesses these days have a different carrier for inbound and outbound calls, because it can be less expensive. Their outbound calls will show up with their normal number, of course. If it's still not working ...
by toast0
Mon Jan 20, 2020 6:52 pm
Forum: Personal Investments
Topic: Deploying a $40m windfall in current market conditions
Replies: 67
Views: 11984

Re: Deploying a $40m windfall in current market conditions

With $40mm to deploy it literally does not matter what you do. I would phrase that a bit more strictly; any reasonable strategy will do, but it is absolutely possible to blow $40M, so some care is advised. Three fund probably works fine up until you're above 1% of the fund size; after that, it prob...
by toast0
Fri Jan 17, 2020 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Realized we made a major mistake and feeling really sick.
Replies: 162
Views: 14531

Re: Realized we made a major mistake and feeling really sick.

Later, I was at a different startup, even better. They gave us the option to sell shares early in certain amounts. Having learned from the previous outing, I did so, and I was happy to do it. Roll forward to today, and I can calculate that if I had held those shares, they would now be worth a few t...
by toast0
Fri Jan 17, 2020 6:55 pm
Forum: Personal Consumer Issues
Topic: Detached garage: Recommended ways to heat water for shower? Save space and money?
Replies: 44
Views: 3092

Re: Detached garage: Recommended ways to heat water for shower? Save space and money?

Electric tankless water heaters require a huge amount of electricity, probably at least 80 amps just for it. I was going to say the same thing; we wanted to replace a small failed tankful heater in our last detached garage with a shower, but upgrading the electric service to make it possible wasn't...
by toast0
Thu Dec 19, 2019 9:46 pm
Forum: Personal Consumer Issues
Topic: New home not included in USPS database - minor headache
Replies: 21
Views: 1872

Re: New home not included in USPS database - minor headache

So the first thing is to make sure you have a street address assigned to your property. Exactly who does that is going to depend on local customs; if you've got a property tax assessor, they're likely to be the agency. Otherwise, check with the permitting department of your city or county (or both),...
by toast0
Fri Dec 13, 2019 5:42 pm
Forum: Investing - Theory, News & General
Topic: Spike in Repo Rates [Fed Overnight Repurchase agreement]
Replies: 179
Views: 18259

Re: [Fed Repo rate - Please explain this to me]

It seems to me, the liquidity problem here is mostly a regulatory issue, and not an economy issue, because of the fundamentals of the loans. In the repo market, a borrower supplies a treasury bond worth $X, and gets $X in cash, and promises to pay $X + $Y the following day to get the bond back (some...