Search found 404 matches

by Offshore
Sat Nov 09, 2019 7:29 pm
Forum: Personal Consumer Issues
Topic: FirstNet by AT&T
Replies: 14
Views: 1096

Re: FirstNet by AT&T

Fascinating, southerndoc. Appreciate your insights. I am very much tempted to try it.
by Offshore
Sat Nov 09, 2019 10:47 am
Forum: Personal Consumer Issues
Topic: FirstNet by AT&T
Replies: 14
Views: 1096

Re: FirstNet by AT&T

Hedgefundie, I'll keep this brief because I don't want get involved in answering off topic questions. You are incorrect. FirstNet was, in fact, developed for "mission critical" communication. That is point, for first responders to not be lost to communication failure. Second, not all first responder...
by Offshore
Sat Nov 09, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: FirstNet by AT&T
Replies: 14
Views: 1096

FirstNet by AT&T

If you are a FirstNet subscriber, this post is directed towards you. On AT&T, I lose service in some hospitals I enter. My colleagues on Verizon don't because the Verizon towers are on the roof, so that tells me cell service is not blocked inside these buildings, it's all about signal strength. Does...
by Offshore
Thu Sep 12, 2019 1:51 pm
Forum: Personal Investments
Topic: Gifting to our son
Replies: 14
Views: 2084

Re: Gifting to our son

Thank you for replies and discussion. Especially thankful for this pearl: If your son is potentially eligible for student financial aide the gift income as well as the assets could impact that. In some cases where a child remains a student parents might choose to defer gifting such assets until the ...
by Offshore
Tue Sep 10, 2019 7:15 pm
Forum: Personal Investments
Topic: Gifting to our son
Replies: 14
Views: 2084

Gifting to our son

We have been using a Target Date account at Vanguard to hold our son's birthday money, as well as any other money he may have received over the past 18 years. Since turning 18 this summer, he can now open his own account and we would like to transfer the balance into this account in his name. We und...
by Offshore
Mon Aug 05, 2019 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: secured credit card
Replies: 13
Views: 861

Re: secured credit card

thanks to all who replied. appreciate the information, which changed our thinking. we will likely add our son as an authorized user on an exiting account.

Offshore
by Offshore
Sun Aug 04, 2019 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: secured credit card
Replies: 13
Views: 861

secured credit card

We would like to get our son 18 year old son a credit card. He has no credit history. I've read that a no annual fee, secured card is a good first card for someone with no credit history. The Journey card from Capital One comes up repeatedly on sites that review these matters. Do any Bogleheads have...
by Offshore
Sat Jul 13, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1014
Views: 212367

Re: Tesla S

https://s1376.photobucket.com/user/Offshore123/story

Impact to rear wheel also (not seen in photo).
by Offshore
Sat Jul 13, 2019 6:24 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1014
Views: 212367

Re: Tesla S

OP here. It’s been 7 years since I posted my message of excitement over Tesla. I kept up with information on the products and the company and in late March of 2019 I took home a model 3. On June 7th of 2019 I was involved in a hit and run collision. I escaped uninsured. My car sustained $13,000. dam...
by Offshore
Fri Mar 22, 2019 12:29 pm
Forum: Personal Consumer Issues
Topic: Twitter [Is mobile number needed to register?]
Replies: 20
Views: 790

Re: Twitter

I’m convinced. No Twitter account. Guess I’ll remain clueless, TheOscarGuy.
by Offshore
Fri Mar 22, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: Twitter [Is mobile number needed to register?]
Replies: 20
Views: 790

Twitter [Is mobile number needed to register?]

I don’t do social media, but today I had a moment of weakness. I began signing up for a Twitter account but didn’t complete it. They wanted a mobile phone number to send me a code to complete enrollment. I drew the line here. Too many unwanted calls now. Is this step an absolute necessity to get a T...
by Offshore
Mon Feb 11, 2019 8:58 pm
Forum: Personal Consumer Issues
Topic: Gas / Electric Fireplace only produces a low flame
Replies: 13
Views: 1091

Re: Gas / Electric Fireplace only produces a low flame

I had exact same issue. Hired a guy who specializes in cleaning gas fireplaces. Disassembled the unit and cleaned everything. It functioned better, but has never produced as big of flame as when it was new.
by Offshore
Mon Feb 11, 2019 8:54 pm
Forum: Personal Consumer Issues
Topic: Vanguard website rejecting passwords, don't panic
Replies: 14
Views: 2219

Re: Vanguard website rejecting passwords, don't panic

Safari browser is not working. Firefox will. Not sure of other browsers.

Offshore
by Offshore
Tue Jan 29, 2019 11:41 pm
Forum: Personal Consumer Issues
Topic: No Heat! (Live in Michigan)
Replies: 47
Views: 4964

Re: No Heat! (Live in Michigan)

Service technician just left (we got so lucky he was available). So the answer was... Plugged drain line. Cold air intake pulling arctic air from outside caused heavy water condensation in the guts of the furnace. It should be drained, however, the drain line was plugged. Water back up didn't allow ...
by Offshore
Tue Jan 29, 2019 7:26 pm
Forum: Personal Consumer Issues
Topic: No Heat! (Live in Michigan)
Replies: 47
Views: 4964

Re: No Heat! (Live in Michigan)

yeah, I hear you! My wife is lobbying for a hotel. We do have a gas insert in the basement and with space heaters I think we can make it. My wife is lobbying for a hotel, so we'll see how this unfolds (probably a hotel if I'm smart ; )
by Offshore
Tue Jan 29, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: No Heat! (Live in Michigan)
Replies: 47
Views: 4964

No Heat! (Live in Michigan)

It will be very cold tonight and colder tomorrow. Here's the situation: DC blower motor working, air circulating throughout house. Furnace is making glug-glug-glug from within. I removed a drain cap and about a quart of water drained out. Restored power to the unit, more glug-glug-glug and no gas ig...
by Offshore
Sun Jan 27, 2019 4:45 pm
Forum: Investing - Theory, News & General
Topic: 529 change of beneficiary
Replies: 3
Views: 371

Re: 529 change of beneficiary

Sorry if my description was not clear.

I found more information. The ownership changed from my sister in law to my wife, and the beneficiary changed as well. Does this help?
by Offshore
Sun Jan 27, 2019 3:42 pm
Forum: Investing - Theory, News & General
Topic: 529 change of beneficiary
Replies: 3
Views: 371

529 change of beneficiary

My father in law gifted us $30,000., as a transfer of beneficiary from one of is grandchildren to another (our son). The funds were transferred into a newly opened account with my wife named as the recipient. Yesterday, we received a 1099-Q showing a distribution with earnings. Basically, the basis ...
by Offshore
Sat Dec 01, 2018 8:30 am
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 372
Views: 64175

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

Has anyone changed their bond allocation with he increase in interest rates? Is anyone worried about a bond selloff? We have stayed the course with Total Bond Index and Intermediate Term Tax Exempt. Thoughts and perspectives welcome! I saw a significant TLH opportunity in Intermediate Term Tax Exem...
by Offshore
Thu Nov 15, 2018 5:16 pm
Forum: Personal Investments
Topic: Vanguard Global Credit Bond Fund
Replies: 6
Views: 1490

Re: Vanguard Global Credit Bond Fund

Elysium, If I understand your comment, you think because corporations around the globe have similar access to credit markets, and are offered the same (or very similar) rates, there is not much benefit to a global credit bond fund, unless a super star manager finds opportunities through smart tradin...
by Offshore
Thu Nov 15, 2018 4:47 pm
Forum: Personal Investments
Topic: Vanguard Global Credit Bond Fund
Replies: 6
Views: 1490

Vanguard Global Credit Bond Fund

Seeking opinions on the value of adding VGCAX to my fixed income AA. I'm over half fixed income, and it's all in TBM, TIPS and cash. We know VGCAX has an ER=0.25%. We know it's a global bond fund. We know rather than government-guaranteed bonds, the fund will hold mostly investment-grade credit bond...
by Offshore
Sun Jul 29, 2018 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Boy's first job
Replies: 38
Views: 3940

Re: Boy's first job

Thank you for your replies. We have homework to do regarding vesting period and such. Appreciate the sharing of first job work experiences. I can remember mine too (besides a paper route). I was a restaurant dishwasher. Hot and dirty work for minimum wage. I can't remember the wage, but I do remembe...
by Offshore
Sun Jul 29, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Boy's first job
Replies: 38
Views: 3940

Boy's first job

Our teenage son started his first job, collecting shopping carts from the parking lot of our local grocer. Bottom rung of the employment ladder, but we're proud he found the job by himself. He earns about $9.70/hour and he's over the moon with this wage! Here is my question... his employer will cont...
by Offshore
Sun May 20, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 113
Views: 10014

Re: Tesla Autopilot, worth it?

I have the differing opinion of "not now", and here's why. If you are like me, you are unwilling to shell out the cost of a model S, so you wait for the model 3 that fits your wishes. The cost of EA is $5000. at time of configuration, or $6000. later. Even at $5k, EA is about a 15% option. For me, I...
by Offshore
Sun Apr 22, 2018 6:58 pm
Forum: Personal Investments
Topic: Back Door Roth
Replies: 4
Views: 587

Re: Back Door Roth

PFInterest,
I'm talking about money already in the portfolio, not adding new money. Moving it to a spousal IRA then converting to Roth.
by Offshore
Sun Apr 22, 2018 3:55 pm
Forum: Personal Investments
Topic: Back Door Roth
Replies: 4
Views: 587

Back Door Roth

As I slow down at work approaching retirement, I need all of my earned income to live on and can no longer afford to fund a spousal non-deductible IRA to then convert to a Roth (back door method). Should I use existing after tax savings to convert to Roth? There's more options with Roth savings, so ...
by Offshore
Mon Apr 09, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Volvo XC 60 T8 eAWD
Replies: 4
Views: 770

Re: Volvo XC 60 T8 eAWD

Sunny_socal, Researchmed, Thanks for your replies. When did you buy a 2014 CPO car (how long have you been driving it)? Happy to hear you would get another. I’ve repeatedly read the brakes on the SUV are touchy. Easy to nose dive on routine application. Agree the engine auto shutoff is distracting. ...
by Offshore
Sun Apr 08, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: Volvo XC 60 T8 eAWD
Replies: 4
Views: 770

Volvo XC 60 T8 eAWD

I stumbled upon a plug in hybrid SUV that has me excited. It's a Volvo XC 60 T8 eAWD . It's as fast a Porsche and more fuel efficient than a Prius (0-60 in 4.9 seconds, combined 59 MPG city/hwy). It seats 5, is tastefully appointed and . Are there any drivers of this vehicle that will give their rev...
by Offshore
Sat Mar 24, 2018 4:47 pm
Forum: Personal Investments
Topic: Need a tax buff who understands TLH'ing
Replies: 4
Views: 995

Re: Need a tax buff who understands TLH'ing

grabiner,

I recognized the issue you identified ahead of the sale, and shifted dividends to a MM fund. So, the sale was every outstanding share with no reinvested dividends after liquidation. I appreciate your comment. Thank you.
by Offshore
Thu Mar 22, 2018 2:56 pm
Forum: Personal Investments
Topic: Need a tax buff who understands TLH'ing
Replies: 4
Views: 995

Re: Need a tax buff who understands TLH'ing

BolderBoy,
Thanks!
by Offshore
Thu Mar 22, 2018 9:12 am
Forum: Personal Investments
Topic: Need a tax buff who understands TLH'ing
Replies: 4
Views: 995

Need a tax buff who understands TLH'ing

Regarding Tax-Exempt Bond Funds, our Wiki says: "If you sell shares of a mutual fund at a loss, and those shares have been held for 6 months or less, then there are special rules that may alter the loss you claim. First, if those shares produced any tax-exempt interest , then the loss is reduced, do...
by Offshore
Sun Feb 04, 2018 11:34 am
Forum: Personal Investments
Topic: TLH in a Tax Exempt Bond Fund
Replies: 1
Views: 409

TLH in a Tax Exempt Bond Fund

I'm so confused. It's over TLH'ing from a tax exempt bond fund. This is in our Wiki, Titled " Tax Exempt Funds ": "Although not a wash sale, there is a special rule for tax exempt funds that have been held less than 6 months and which have distributed dividends, which acts like a wash sale, but can ...
by Offshore
Sat Feb 03, 2018 9:07 am
Forum: Personal Investments
Topic: switching cost basis methods at VG
Replies: 2
Views: 445

switching cost basis methods at VG

I have read our Wiki page on cost basis methods, here https://www.bogleheads.org/wiki/Specific_identification_of_shares . My question is, at VG, can I switch methods to specific share, to TLH, then switch back to average cost? Are there caveats to such an action? I tried to compare the losses genera...
by Offshore
Thu Jan 18, 2018 8:02 pm
Forum: Personal Investments
Topic: Conditional Puts - Death Of Holder
Replies: 2
Views: 2190

Re: Conditional Puts - Death Of Holder

Kevin M,

Thank you.
by Offshore
Wed Jan 17, 2018 6:58 pm
Forum: Personal Investments
Topic: Conditional Puts - Death Of Holder
Replies: 2
Views: 2190

Conditional Puts - Death Of Holder

Does anyone know what "Conditional Puts - Death of Holder" means... in layman's terms!

I'm looking at new issue CD's at Vanguard. Every CD I'm interested in says this. All have FDIC numbers. Some indicate restricted states.

Thanks,
Offshore
by Offshore
Mon Jan 08, 2018 7:17 am
Forum: Personal Investments
Topic: Vanguard Intermediate-Term Tax-Exempt Fund
Replies: 9
Views: 2829

Re: Vanguard Intermediate-Term Tax-Exempt Fund

venkman,

I thank you for your reply. Clear and civil (like this board used to be a decade ago). Appreciate you sharing your knowledge.

Offshore
by Offshore
Sun Jan 07, 2018 9:34 pm
Forum: Personal Investments
Topic: VWIUX vs VBTLX in 24% tax bracket
Replies: 23
Views: 5243

Re: VWIUX vs VBTLX in 24% tax bracket

OP, I'm in a similar situation as you, with taxable savings in VWIUX. TBM is not a great option due to tax consequence, right? When comparing VWIUX with TBM, what do you think about risk, as it pertains to potential for losses. Are they equivalent? Thanks.

Off Shore
by Offshore
Sun Jan 07, 2018 9:25 pm
Forum: Personal Investments
Topic: Vanguard Intermediate-Term Tax-Exempt Fund
Replies: 9
Views: 2829

Vanguard Intermediate-Term Tax-Exempt Fund

I'd like to know the risk of Intermed. Term. Tax Exempt bond fund as compared with TBM. Most of my retirement savings is after tax savings. Being close to retirement our AA is 55% fixed income, with about 20% of our total portfolio's value held in Vanguard Intermediate-Term Tax-Exempt Fund. Vanguard...
by Offshore
Sun Jan 07, 2018 8:42 pm
Forum: Personal Investments
Topic: PE firm is buying my [medical] practice. Help!
Replies: 32
Views: 4927

Re: PE firm is buying my practice. Help!

I am a physician as well. My practice looked at selling to a PE firm some years ago. We did not (remain a private practice). We saw little upside, and much to be fearful of. I get it that you have no choice in the sale. You indicate that you do have a choice in investing in the firm. I can not give ...
by Offshore
Mon Jan 01, 2018 9:06 am
Forum: Personal Investments
Topic: Seeking a good read
Replies: 5
Views: 708

Re: Seeking a good read

Thanks for the replies. Helpful.

Offshore
by Offshore
Sun Dec 31, 2017 7:54 pm
Forum: Personal Investments
Topic: Seeking a good read
Replies: 5
Views: 708

Seeking a good read

I am 3-5 years to retirement. It's been a while since I've read a financial book, having been on "cruise control" with our portfolio for 14 years, only adjusting the stock:bond ratio as I have aged. I'm hoping to read about considerations such as when my wife and I should begin drawing SS, what % of...
by Offshore
Sun Dec 17, 2017 9:12 pm
Forum: Personal Consumer Issues
Topic: Dryer Vent Door Replacement
Replies: 5
Views: 1009

Re: Dryer Vent Door Replacement

I've had your situation and did the fix myself. It's easy and you can handle it. Winter is not the time to do this job, if you live in a cold weather location. I found the part I needed at Home Depot, but Lowes has competing stock that is very similar. If you want an exact match to what you removed,...
by Offshore
Sun Dec 17, 2017 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Worth it financially to trade my Tesla Model S for a Model 3? Got my configuration invite
Replies: 34
Views: 3612

Re: Worth it financially to trade my Tesla Model S for a Model 3? Got my configuration invite

I will not offer advice to the OP based upon his question, but do have a question for anyone who has been invited to configure their model 3 order.

Is there a dual motor option on the config order? If one is willing to wait, has Tesla given an approximate wait time?

Offshore
by Offshore
Sat Oct 21, 2017 3:05 pm
Forum: Investing - Theory, News & General
Topic: "Trading Sinks, Stoking Fears"
Replies: 4
Views: 798

Re: "Trading Sinks, Stoking Fears"

Telemark, that's exactly what I'm thinking. Buy and hold investors who use passive strategy should not be affected by trading volume, as far as I know.
by Offshore
Sat Oct 21, 2017 6:09 am
Forum: Investing - Theory, News & General
Topic: "Trading Sinks, Stoking Fears"
Replies: 4
Views: 798

"Trading Sinks, Stoking Fears"

Front page new, WSJ, 10/20/2017. Report of how trading volume is 12% lower this month than a year ago. They blame ultra low volatility, lack of market moving news and the rising popularity of passive investing. Is low trading volume a problem, especially for passive investors who do not seek bargains?
by Offshore
Sun Aug 20, 2017 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 15322

Re: Anyone planning on never retiring?

As a physician it has been a long path traveled. Having said that, at 57, I am ready for my next chapter. I suspect medicine is no different than other occupations, in that time brings change. The older I get, the tougher change is to embrace. I plan to retire from clinical medicine in 3 years and h...
by Offshore
Sun Jul 16, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: Reimbursed HSA expense?
Replies: 4
Views: 664

Reimbursed HSA expense?

Concierge medicine costs $6,500. in my town. I am considering it for my family. Can the cost be paid from an HSA? Bear in mind, the concierge medicine physician becomes the primary care physician, with a longitudinal relationship (not a one time visit). Here is one answer I found, but a bit confusin...
by Offshore
Sun Apr 23, 2017 7:51 am
Forum: Personal Investments
Topic: VG Advisory Services
Replies: 7
Views: 1183

Re: VG Advisory Services

dbr, retiredjg,

Thank you for your reply. I appreciate your opinions.
by Offshore
Sun Apr 23, 2017 5:34 am
Forum: Personal Investments
Topic: VG Advisory Services
Replies: 7
Views: 1183

VG Advisory Services

Generally, we were very close to an AA that VG recommends. There was one glaring difference, that is, they recommend international bonds. We have zero exposure to international bonds. From our 50:50 portfolio, they recommended 9% of total portfolio value in international bonds. Now, our AA is pretty...
by Offshore
Sun Apr 23, 2017 5:20 am
Forum: Personal Consumer Issues
Topic: National Parks in Northern CA
Replies: 34
Views: 3641

Re: National Parks in Northern CA

Thank you to all who replied!
I've had some great family vacations from listening to others on this forum.

BTW, I phoned a few days ago and was able to secure 2 rooms at Tanaya Lodge in Yosemite. I was locked out of Sequoia NP (booked).

Will let you all know how it goes!