Search found 517 matches

by motorcyclesarecool
Sun Oct 21, 2018 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Transition old gifted stock shares to diversified portfolio while decreasing tax hit
Replies: 6
Views: 432

Re: Transition old gifted stock shares to diversified portfolio while decreasing tax hit

How much charitable giving do you normally do in a year? Perhaps you could donate appreciated shares. A donor-advised fund makes it very easy. If you don’t already intend to give to charity, there’s no real benefit.
by motorcyclesarecool
Sun Oct 21, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Bear Market: Invest in Taxable, Bull Market: Pay Down Mortgage?
Replies: 8
Views: 1022

Re: Bear Market: Invest in Taxable, Bull Market: Pay Down Mortgage?

Whatever you choose after that is up to you, but keep in mind paying down mortgage is like adding bonds. So you are basically saying in bear add to stocks and bull add to fixed income. IF you are going to dynamic asset allocation model that is reasonable. So, if a mortgage pay down is like adding a...
by motorcyclesarecool
Sun Oct 21, 2018 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Bear Market: Invest in Taxable, Bull Market: Pay Down Mortgage?
Replies: 8
Views: 1022

Bear Market: Invest in Taxable, Bull Market: Pay Down Mortgage?

To the mods: I wasn’t sure whether this topic belongs here or in Investing Theory, News, Etc. Please move as appropriate. If I assume the following: Married filing jointly Accumulation phase AA around 80/20 and annual rebalance Maxing out available tax advantaged savings vehicles (§401(k), HSA, his ...
by motorcyclesarecool
Sun Oct 21, 2018 6:50 am
Forum: Personal Consumer Issues
Topic: No power in half the house
Replies: 17
Views: 1568

Re: No power in half the house

We had same issue a year ago. We had lost a phase or a “hot leg”. Buried cable between the transformer and our condominium had to be replaced. We lost a fridge full of food and I put my family up at the Hampton Inn overnight on points. Electric code at the time of construction allowed cable to be bu...
by motorcyclesarecool
Sat Oct 13, 2018 5:58 am
Forum: Personal Consumer Issues
Topic: Census [Received form in mail]
Replies: 21
Views: 1750

Re: Census

I received an American Community Survey from the Census Bureau. I went to Census.gov to answer, and was never asked for my SSN.
by motorcyclesarecool
Mon Oct 08, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: LibraryThing, Libib, or Goodreads?
Replies: 5
Views: 461

Re: LibraryThing, Libib, or Goodreads?

4strings wrote:
Mon Oct 08, 2018 11:25 am
Goodreads is great...super easy to use and lets you snap a picture of your current book to add to your shelf.
will it track shelf location and whether I’ve loaned it to a friend?
by motorcyclesarecool
Mon Oct 08, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: LibraryThing, Libib, or Goodreads?
Replies: 5
Views: 461

Re: LibraryThing, Libib, or Goodreads?

I downloaded LibraryThing a couple of weeks ago. I've started adding my books but haven't completed. So far I am satisfied with LT, however, probably not enough experience to really recommend it. I am not familiar with Libib or Goodreads.... Our city library director is who suggested LT to me. Are ...
by motorcyclesarecool
Mon Oct 08, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: LibraryThing, Libib, or Goodreads?
Replies: 5
Views: 461

LibraryThing, Libib, or Goodreads?

I want to catalog my books and keep track of what I’ve lent to friends. Anybody used any of the above software for my intended purposes?
by motorcyclesarecool
Thu Sep 27, 2018 5:53 am
Forum: Personal Consumer Issues
Topic: Good flip flops
Replies: 46
Views: 3460

Re: Good flip flops

+1 for OluKai. A well designed product. Best flippies I’ve ever owned.
by motorcyclesarecool
Mon Sep 24, 2018 7:11 am
Forum: Personal Consumer Issues
Topic: Solar Power question: SREC vs Net Metering
Replies: 3
Views: 290

Re: Solar Power question: SREC vs Net Metering

My understanding of a potential rationale for double dipping is that the “cleanliness” of that power is marketed separately. The cost of a SREC is nowhere near the cost of a MWh.
by motorcyclesarecool
Mon Sep 24, 2018 6:24 am
Forum: Personal Consumer Issues
Topic: Solar Power question: SREC vs Net Metering
Replies: 3
Views: 290

Solar Power question: SREC vs Net Metering

I’m trying to understand how net metering and Solar Renewable Energy Credits interface with each other but the websites I’ve found discussing it are either trying to sell me their product, unclear in their discussion of the topic, or both. I am under contract to buy a house. It has a significant sou...
by motorcyclesarecool
Sat Sep 22, 2018 2:56 pm
Forum: Personal Consumer Issues
Topic: Don't trust Tripadvisor reviews
Replies: 64
Views: 6977

Re: Don't trust Tripadvisor reviews

I read the negative reviews exclusively ever since I was burned by a high rating on VRBO. I gave the owner a chance to address my issues but he refused, so I gave a frank review. As I reviewed all the other negative reviews I saw that each of the issues I had had been raised earlier by someone else ...
by motorcyclesarecool
Sat Sep 22, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Car storage
Replies: 8
Views: 555

Re: Car storage

Bringing a stored car back to life can be a chore. So can selling / buying another one. Do you have any personal attachment to the car? What is insurance situation for your car when stored? Who pays for rodent / bird damage? Being gently driven will be better for the car than simply sitting there. C...
by motorcyclesarecool
Wed Sep 19, 2018 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Puerto Rico as legal tax Haven?
Replies: 20
Views: 3719

Re: Puerto Rico as legal tax Haven?

Can’t do it the Boglehead way. Income from off the island gets taxed federally.
by motorcyclesarecool
Thu Sep 13, 2018 10:36 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1276
Views: 217112

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I’ve been able to use Chase UR points for lodging at tremendous values. We used 50,000 points (nominally worth $500 if redeemed for cash) to get a 10 night hotel stay worth $1260. I’ve been doing web searches on this Chase Sapphire Banking thingy, but hard data is hard to find. If I can transfer $75...
by motorcyclesarecool
Thu Sep 13, 2018 5:49 am
Forum: Investing - Theory, News & General
Topic: [A Boglehead explains the simplest way to manage your money - alternative viewpoint]
Replies: 45
Views: 4778

Re: [A Boglehead explains the simplest way to manage your money - alternative viewpoint]

There's a difference between "easy" and "equally easy". I didn't state and didn't intend to imply that a more complex portfolio was as easy to maintain as a simpler one. Just that it wasn't difficult. Can you quantify the CAGR you’ve earned through transfer bonuses? That might help folks understand...
by motorcyclesarecool
Wed Sep 12, 2018 6:26 am
Forum: Personal Finance (Not Investing)
Topic: The Atlantic: 'Why is College In America So Expensive?'
Replies: 27
Views: 2665

Re: The Atlantic: 'Why is College In America So Expensive?'

The article touched briefly on the growth of non-faculty personnel expenses, but didn’t explore the “why.”

That seems like it could be a fruitful line of inquiry.
by motorcyclesarecool
Wed Sep 12, 2018 5:04 am
Forum: Investing - Theory, News & General
Topic: New era for TSP "I" Fund?
Replies: 16
Views: 2174

Re: New era for TSP "I" Fund?

Here’s what I wrote in another thread: You might want to continue investing your international allocation outside the TSP at Fidelity. As noted in a monstrous thread, Fidelity has just started offering a Total US Stock Market fund and a Total International Stock Market find, both with an expense rat...
by motorcyclesarecool
Thu Sep 06, 2018 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 4912

Re: To Be or Not to Be...Married

I still haven’t wrapped my mind around how the Child Tax Credit wouldn’t help your situation, or how his SIMPLE IRA kiboshes your IRA contributions. Could you provide clarification?
by motorcyclesarecool
Thu Sep 06, 2018 5:55 am
Forum: Personal Finance (Not Investing)
Topic: Help make me more employable
Replies: 18
Views: 2588

Re: Help make me more employable

If you really want to stretch your brain, I'd suggest learning Chinese/Mandarin. Training is pretty cheap these days, and it's a nice weekend/spare time activity. With so much electronics manufacturing going on in China/Thailand/Vietnam, any one with a solid technical background and the ability to ...
by motorcyclesarecool
Fri Aug 31, 2018 7:46 am
Forum: Personal Consumer Issues
Topic: Health Insurance Subrogation “questionnaire”... Should I be wary?
Replies: 10
Views: 1095

Re: Health Insurance Subrogation “questionnaire”... Should I be wary?

Update: Health insurer confirmed it was legit. I answered the questionnaire truthfully online. Based on the fact that it asked and I affirmed that I had no intention of filing a claim with any other party, I expect this will be the end of it. If not, I’ll update here.
by motorcyclesarecool
Fri Aug 31, 2018 5:29 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone donated stock in a private company to a Donor Advised Fund?
Replies: 4
Views: 401

Re: Has anyone donated stock in a private company to a Donor Advised Fund?

I attempted it, and they did extensive due diligence, but decided in my case that it wasn’t worth the risk. In my case, in addition to liquidity concerns, they had concerns that they might not be able to demonstrate a right to control the shares, as there was a liquidation auction (with reserve) sch...
by motorcyclesarecool
Fri Aug 31, 2018 3:57 am
Forum: Personal Consumer Issues
Topic: Health Insurance Subrogation “questionnaire”... Should I be wary?
Replies: 10
Views: 1095

Re: Health Insurance Subrogation “questionnaire”... Should I be wary?

.......problem is, the visit probably counted against my deductible, and I would have paid out of my HSA. If, say, my homeowners paid out for the bills, and the hospital refunded the money I paid, would that........... If, as you suggest, your H.O. insurance paid out something toward your medical b...
by motorcyclesarecool
Thu Aug 30, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Health Insurance Subrogation “questionnaire”... Should I be wary?
Replies: 10
Views: 1095

Re: Health Insurance Subrogation “questionnaire”... Should I be wary?

(Unless, of course, the OP and some pals were racing their motorcycles, round and round, in his driveway, great fun, until he fell off and got run over by one of them, resulting in his unfortunate injury) :wink: :wink: Since gaining dependents whom he does not wish to leave fatherless, OP cannot cl...
by motorcyclesarecool
Thu Aug 30, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: Health Insurance Subrogation “questionnaire”... Should I be wary?
Replies: 10
Views: 1095

Re: Health Insurance Subrogation “questionnaire”... Should I be wary?

I get these things all the time. Basically they are trying to see if there is some other party/insurance company responsible for the medical expense, so they can at least partially lessen their liability. For example, if you sustained the injury at work, or at a business, or someone else's house, t...
by motorcyclesarecool
Thu Aug 30, 2018 8:22 pm
Forum: Personal Consumer Issues
Topic: Health Insurance Subrogation “questionnaire”... Should I be wary?
Replies: 10
Views: 1095

Health Insurance Subrogation “questionnaire”... Should I be wary?

Today I received a letter from a subrogation firm, claiming to have been sent on behalf of my insurance company. It is looking for information about a visit to a medical provider. If it’s what I think it is (the notice gives no details so I’ll have to pore over old EOBs) then it was an accidental in...
by motorcyclesarecool
Tue Aug 28, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: Minivan for family of 4.
Replies: 34
Views: 2973

Re: Minivan for family of 4.

We have rented the following with a similar decision in view: Mercedes Benz Metris: too rough around the edges. Definitely felt like a commercial vehicle. Hose-out interior. Felt high and unstable at speed. Best tow capacity. Rear wheel drive can be squirrelly in winter to the uninitiated. Kia Sedon...
by motorcyclesarecool
Thu Aug 23, 2018 5:52 am
Forum: Personal Finance (Not Investing)
Topic: When to lock in a mortgage rate?
Replies: 16
Views: 1930

Re: When to lock in a mortgage rate?

I’m using this thread to ask a more general question. Scenario: We’ve just gone under contract on our ideal four bedroom colonial on a nice cul-de-sac. Seller requested December closing date. I’m about to submit our formal mortgage application. I asked my broker about a rate lock and learned that i...
by motorcyclesarecool
Wed Aug 22, 2018 3:14 am
Forum: Personal Finance (Not Investing)
Topic: When to lock in a mortgage rate?
Replies: 16
Views: 1930

Re: When to lock in a mortgage rate?

You should have started a new thread. Those 3.375 and 3.5 numbers in the first post sure threw me for loop! :happy I would look into it about 60 days out and see what things look like. And, did you search the internet? :happy ....... http://www.mortgagenewsdaily.com/mortgage_rates/daily.aspx There ...
by motorcyclesarecool
Tue Aug 21, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: When to lock in a mortgage rate?
Replies: 16
Views: 1930

Re: When to lock in a mortgage rate?

I’m using this thread to ask a more general question. Scenario: We’ve just gone under contract on our ideal four bedroom colonial on a nice cul-de-sac. Seller requested December closing date. I’m about to submit our formal mortgage application. I asked my broker about a rate lock and learned that it...
by motorcyclesarecool
Mon Aug 13, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: If USPS runs at a loss, how can Junk mail subsidize First Class?
Replies: 6
Views: 1104

If USPS runs at a loss, how can Junk mail subsidize First Class?

In another thread about dealing with junk mail, a very common statement keeps being repeated: ( bold italics mine ) Keep in mind - a good marketer doesn't want to waste money sending mail to those that don't want it. But, the more you cut mail, the higher rates go, because bulk postage pays for all ...
by motorcyclesarecool
Thu Aug 09, 2018 9:22 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1276
Views: 217112

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

pre wrote:
Thu Aug 09, 2018 9:11 pm
Much appreciated. May I ask if any other TDA bonuses earned this year, aside from the Roth?
No. this is our only one.
by motorcyclesarecool
Thu Aug 09, 2018 8:47 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1276
Views: 217112

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Yes. Got $500 in Roth IRA for transferring 100k. Not a TD Bank customer.
by motorcyclesarecool
Mon Aug 06, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 262
Views: 43005

Re: TSP vs Fidelity Zeroes

jsprag wrote:
Mon Aug 06, 2018 3:15 pm
....they'd be the catalyst that could make it grow even faster.
I certainly hope so. The federal government isn’t exactly known for common-sense bidding processes or standards. I’d like to figure out how best to keep their eye on the expense ball.
by motorcyclesarecool
Mon Aug 06, 2018 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?
Replies: 75
Views: 5159

Re: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?

3) Students and parents are not allowed to direct the expenditure of any funds. (Johnny's parents can not donate to the 501 and then "ask" us to purchase a new trumpet for Johnny to use.) And students and parents would not get their business logo on Johnny's trumpet case, correct? That is the bigge...
by motorcyclesarecool
Mon Aug 06, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 262
Views: 43005

Re: TSP vs Fidelity Zeroes

I’m pretty sure it’s not a loss leader for Fidelity; they are being more aggressive with securities lending, which FRTIB could do easily. I was able to get into the zeros on day zero. I’ve rolled all available funds in both our Fido Roth IRAs to the zeros as of Close of Business Friday, in accordan...
by motorcyclesarecool
Sun Aug 05, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 262
Views: 43005

Re: TSP vs Fidelity Zeroes

I’m pretty sure it’s not a loss leader for Fidelity; they are being more aggressive with securities lending, which FRTIB could do easily. I was able to get into the zeros on day zero. I’ve rolled all available funds in both our Fido Roth IRAs to the zeros as of Close of Business Friday, in accordanc...
by motorcyclesarecool
Sun Aug 05, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 262
Views: 43005

TSP vs Fidelity Zeroes

[Thread merged into here, see below (next page). --admin LadyGeek] As noted in a monstrous thread, Fidelity has just started offering a Total US Stock Market fund and a Total International Stock Market find, both with an expense ratio of 0%, and both with a minimum investment of $0. Fidelity makes ...
by motorcyclesarecool
Sun Aug 05, 2018 7:12 am
Forum: Investing - Help with Personal Investments
Topic: What to do with a five figure "inherited" cash sum?
Replies: 32
Views: 3412

Re: What to do with a five figure "inherited" cash sum?

He really can’t cut and mail you a check or two? It seems that might be far simpler and safer. If the cash came from legitimate sources, why hasn’t he deposited it to earn interest in a federally insured bank or CU account? WHATEVER YOU DO, DO NOT BREAK UP THE DEPOSITS INTO SMALLER CHUNKS TO AVOID A...
by motorcyclesarecool
Sun Aug 05, 2018 6:16 am
Forum: Personal Finance (Not Investing)
Topic: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?
Replies: 75
Views: 5159

Re: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?

I think most people in this thread are hung up on the word “sponsor” which does often imply a quid-pro-quo relationship.
by motorcyclesarecool
Sun Aug 05, 2018 6:04 am
Forum: Personal Finance (Not Investing)
Topic: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?
Replies: 75
Views: 5159

Re: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?

A DAF cannot be used to fulfill a legal obligation or in a quid pro quo transaction like tickets to a charitable fundraiser, however, if the obligation has already been met, (as confirmed in the OP) and the grant won’t change anything about your kid’s involvement on the team, or result in a specific...
by motorcyclesarecool
Sat Aug 04, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP vs PPO with Family Planning
Replies: 16
Views: 1031

Re: HDHP vs PPO with Family Planning

Does your employer kick any money into your HSA? That could make a big difference.
by motorcyclesarecool
Fri Aug 03, 2018 7:37 pm
Forum: Personal Consumer Issues
Topic: Nespresso?
Replies: 87
Views: 6475

Re: Nespresso?

Get an originaline machine with separate but integrated milk frother. Got ours at Bed, Bath, & Beyond with a coupon. Ours was made by De Longhi. Pro tip #1: order the Nespresso pods online. Every once in a while they offer a free sleeve or two with the purchase of a set amount. This way I’m consiste...
by motorcyclesarecool
Thu Aug 02, 2018 5:53 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 753
Views: 73986

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

A few questions for the experts on how mutual funds work. Let's assume that a meaningful percentage of current investors in FSTVX (Fidelity total market index) put in orders this Friday (first day available) to sell FSTVX and buy FZROX (new Fidelity Zero ER total market index). Would this force the...
by motorcyclesarecool
Wed Aug 01, 2018 6:35 am
Forum: Investing - Theory, News & General
Topic: What is the market structure rationale for prevalence of minimum size orders in bond markets but not in equities?
Replies: 6
Views: 518

Re: What is the market structure rationale for prevalence of minimum size orders in bond markets but not in equities?

Until this thread I hadn’t realized there was no open bond exchange. How do they determine the benchmark treasury yields?

This would seem to be ripe for disruption...
by motorcyclesarecool
Tue Jul 31, 2018 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade automatic investment
Replies: 6
Views: 920

Re: TD Ameritrade automatic investment

airelleofmusic wrote:
Mon Jul 30, 2018 1:50 pm
Ok thanks, I will ask TDA directly !
Any answer?
by motorcyclesarecool
Tue Jul 31, 2018 5:46 am
Forum: Investing - Help with Personal Investments
Topic: Financial upside / downside of marriage vs cohabiting
Replies: 74
Views: 6046

Re: Financial upside / downside of marriage vs cohabiting

I’d argue that an engagement is itself a contract..... “Will you marry me?” “Yes, longterm100, I will” (puts on ring) Would the relationship survive the alteration of that contract to mean something other than an agreement to get married? I’d argue that by choosing not to get married after getting e...
by motorcyclesarecool
Sat Jul 28, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: Why dont people sit outside more? And how to deal with bugs?
Replies: 50
Views: 5490

Re: Why dont people sit outside more? And how to deal with bugs?

I thought we would have the star-wars for mosquitoes laser shield by now after that TED talk, but nobody’s been able to make it work I guess.