Search found 345 matches

by badger42
Wed Jan 16, 2019 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Owned By Revocable Living Trust
Replies: 15
Views: 882

Re: Auto Owned By Revocable Living Trust

We have straight up joint ownership, as putting a car under a trust looked like way too much paperwork / headache for such a tiny percentage of assets. If we had a Bentley instead of an old Subaru it might be different.
by badger42
Mon Jan 14, 2019 12:28 am
Forum: Local Chapters and Bogleheads Community
Topic: San Francisco Mid Peninsula, California Chapter Interest?
Replies: 30
Views: 3897

Re: San Francisco Mid Peninsula, California Chapter Interest?

I may have a work event, but if not I will drop by.

For anybody coming from SF - Caltrain or BART (depending where in the city) is likely to be much less painful than driving.
by badger42
Sun Jan 13, 2019 10:26 pm
Forum: Personal Consumer Issues
Topic: Hawaii vacation, any recommendations?
Replies: 30
Views: 2560

Re: Hawaii vacation, any recommendations?

What's your vacation style? Do the Costco deals give you the sort of lodging (hotel, AirBNB, condo, etc) that you would want? If you're planning to mostly hang out in tourist areas with the occasional expedition out e.g. to Pearl Harbor, consider skipping the car - you'll pay way more to park it tha...
by badger42
Sun Jan 13, 2019 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Dropping collision insurance on auto policy for older car?
Replies: 25
Views: 2118

Re: Dropping collision insurance on auto policy for older car?

Asuming you can easily self insure, paying 400 bucks a year to insure a $2000 risk seems silly.
by badger42
Sat Jan 12, 2019 11:43 am
Forum: Investing - Help with Personal Investments
Topic: E-Trade or Charles Schwab
Replies: 14
Views: 661

Re: E-Trade or Charles Schwab

Schwab has been top notch for us. No complaints in many years.

We had some problems with E-Trade as part of the DLJ Direct -> CSFB Direct -> ETrade transition but that was a LONG time ago.
by badger42
Fri Jan 11, 2019 5:10 pm
Forum: Personal Consumer Issues
Topic: SmartPhone: Does One Exist With these Parameters
Replies: 9
Views: 866

Re: SmartPhone: Does One Exist With these Parameters

Moto G6 is the phone that comes to mind.

If the G6 can't do what you want, in that price range you're probably out of luck.

However, I have zero clue about "Short-click on headset mute button actually mutes the call"
by badger42
Fri Jan 11, 2019 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Car / Umbrella and teen driver (California)
Replies: 14
Views: 637

Car / Umbrella and teen driver (California)

Note: We live in California, I suspect non-CA information is marginally useful at best, except maybe company suggestions. My daughter turns 15 soon, At 15 1/2 she will be eligible for drivers' ed and a learner's permit. We plan to do driving school, probably somewhat over the minimum hours as local ...
by badger42
Fri Jan 11, 2019 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Non deductable IRA Contributions
Replies: 16
Views: 707

Re: Non deductable IRA Contributions

If you aren't doing a backdoor Roth, the non-deductible IRA is almost certainly not worth the trouble. It might even cost you MORE in taxes than just investing in taxable in a tax efficient manner. If you invest in taxable, most of your gains will be qualified dividends and/or capital gains, which a...
by badger42
Fri Jan 11, 2019 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Preservation of capital at Age 93
Replies: 26
Views: 3147

Re: Preservation of capital at Age 93

For money you're definitely passing down, have you considered TIPS?

They're extremely low risk (US government backed, etc) and guarantee the purchasing power of the future inheritance, which CDs and regular treasuries do not.
by badger42
Wed Jan 09, 2019 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Is buying a $700K first home crazy?
Replies: 70
Views: 7284

Re: Is buying a $700K first home crazy?

How solid is the income / prospects for the income?

If your long term plan is FIRE, bow many extra years do you need to work to live in the house vs, say, a starter home or an apartment?
by badger42
Tue Jan 08, 2019 5:13 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12632

Re: Recommendations for a 9mm handgun

I've actually considered selling it repeatedly since I don't use it. I don't want to hijack the threat but if anyone has any suggestions of how to do so legally and responsibly I'd love to know. I've only fired it a handful of times over the last few years. Most gun dealers buy and sell used guns, ...
by badger42
Tue Jan 08, 2019 12:18 am
Forum: Personal Consumer Issues
Topic: Good kitchen mixing bowls
Replies: 17
Views: 1035

Re: Good kitchen mixing bowls

The Costco / Tramontina 3-piece metal mixing bowl set works great and is less than 20 bucks.

Or hit up your local restaurant supply place. For functional, buy what the pros use, which is light and sturdy stainless.
by badger42
Sun Jan 06, 2019 6:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: San Francisco Mid Peninsula, California Chapter Interest?
Replies: 30
Views: 3897

Re: San Francisco Mid Peninsula, California Chapter Interest?

Also potentially interested, and please keep it in Milbrae - tons of options to get home via BART / Caltrain
by badger42
Sun Jan 06, 2019 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Diversifying out of employer stock
Replies: 6
Views: 661

Re: Diversifying out of employer stock

pdavi21 wrote:
Sun Jan 06, 2019 12:49 am
Short your employer as a hedge. Maybe I'm being sarcastic...
That's usually against your insider trading policy. I've worked for a couple of (big tech) companies and we were not allowed to short or trade options around our company stock.
by badger42
Sun Jan 06, 2019 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: My future employer is setting up a 401(k) for the first time, how can I help make sure it's as good as possible?
Replies: 16
Views: 723

Re: My future employer is setting up a 401(k) for the first time, how can I help make sure it's as good as possible?

Without a safe harbor match, the mega-backdoor can be tough to pull off without equity (HCE) issues. Even with a safe harbor match, it can be problematic. I would shoot for simple - basic pre-tax and/or Roth, a few decent index funds in the mix, and enrollment by default to try to get average contr...
by badger42
Sun Jan 06, 2019 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: My future employer is setting up a 401(k) for the first time, how can I help make sure it's as good as possible?
Replies: 16
Views: 723

Re: My future employer is setting up a 401(k) for the first time, how can I help make sure it's as good as possible?

Without a safe harbor match, the mega-backdoor can be tough to pull off without equity (HCE) issues. Even with a safe harbor match, it can be problematic. I would shoot for simple - basic pre-tax and/or Roth, a few decent index funds in the mix, and enrollment by default to try to get average contr...
by badger42
Sun Jan 06, 2019 12:31 am
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 7770

Re: United, American, Delta--about the same?

IME - in terms of comfort, reliability, and service level, at least on mainline: Delta >> United >> flying dumpster fire >> American I agree with this order. I would put Southwest ahead of Delta. I would put both Southwest and Alaska ahead of Delta. I'm also conflicted about Jetblue - love the soft...
by badger42
Sat Jan 05, 2019 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: My future employer is setting up a 401(k) for the first time, how can I help make sure it's as good as possible?
Replies: 16
Views: 723

Re: My future employer is setting up a 401(k) for the first time, how can I help make sure it's as good as possible?

Without a safe harbor match, the mega-backdoor can be tough to pull off without equity (HCE) issues. Even with a safe harbor match, it can be problematic. I would shoot for simple - basic pre-tax and/or Roth, a few decent index funds in the mix, and enrollment by default to try to get average contri...
by badger42
Sat Jan 05, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 7770

Re: United, American, Delta--about the same?

Are the flights even on the carriers' planes, or on regional jets operated by 3rd parties? IME - in terms of comfort, reliability, and service level, at least on mainline: Delta >> United >> flying dumpster fire >> American Have you checked the other carriers? Can you get Southwest or Alaska (both o...
by badger42
Thu Jan 03, 2019 2:53 pm
Forum: Personal Consumer Issues
Topic: Canon 100-400 zoom lens
Replies: 29
Views: 1137

Re: Canon 100-400 zoom lens

Keepcalm wrote:
Thu Jan 03, 2019 2:49 pm
the 50 is a 1.2 and its a FF 5DIV
What do you want to shoot? Wildlife? Street? Portraits? Vacation snaps? (I just use a Pixel for those)
by badger42
Thu Jan 03, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: Canon 100-400 zoom lens
Replies: 29
Views: 1137

Re: Canon 100-400 zoom lens

Heres a question... aside from not having a telephoto....are my basis covered with the 50 and the 24-70? maybe I don't need anything else? What are you shooting? And full frame or crop sensor? For full frame and street photography, you're good to go. For crop and street photography, the 24-70 at 24...
by badger42
Wed Jan 02, 2019 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Does this car repair quote seem reasonable???
Replies: 19
Views: 1344

Re: Does this car repair quote seem reasonable???

Also think about your priorities. Is your goal to keep it for another 10 years, or is this a beater you want to get a few more years out of? If the latter, find an "old school" mechanic and ask them to do basic fixes (e.g. weld in the minimum new exhaust components to be safe, not a whole assembly; ...
by badger42
Wed Jan 02, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: Uber/Lyft where do you sit?
Replies: 42
Views: 3976

Re: Uber/Lyft where do you sit?

I've been using Uber since 2012, and done quite a few rides What I do: Solo - back passenger side seat, unless the driver specifically invites me up front (might be due to local issues WRT Uber/Lyft, I tend to assume they know what they're doing) Group of two - back passenger side and driver side (s...
by badger42
Wed Jan 02, 2019 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: VTI ITOT or SCHB ETF?
Replies: 12
Views: 566

Re: VTI ITOT or SCHB ETF?

They are very similar in composition and performance. https://tinyurl.com/ybnvvfqo shows just how similar their performance is. If you can get one or the other without paying commissions, buy that one. I actually use VTI and SCHB as TLH (tax loss harvesting) partners. Based on the composition + perf...
by badger42
Tue Jan 01, 2019 12:35 am
Forum: Investing - Theory, News & General
Topic: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?
Replies: 159
Views: 7729

Re: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?

Yes and yes. I already know I will need to go to the backdoor Roth route so there is no point on waiting to see income numbers, and tax-efficient placement means any Roth money goes to equities. Current market conditions also mean this will move things towards the allocation targets in our IPS so no...
by badger42
Mon Dec 31, 2018 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else in frontier markets?
Replies: 31
Views: 1542

Re: Anyone else in frontier markets?

I looked at this fund, but decided that 24% Kuwait seems like a really non-diversified investment, especially given their history of being invaded (mods: I'm thinking Gulf War, nothing specific about current leadership). 24% Kuwait plus 16% Vietnam and 16% Argentina means you've got more than half t...
by badger42
Thu Dec 20, 2018 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: TLH Questions [Tax loss harvesting]
Replies: 38
Views: 1316

Re: What is “Substantially Identical” when TLH?

TL;DR here:

There is no definitive guidance

Most people are ok with "different index"
by badger42
Thu Dec 20, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Considering living with Mother in law (MIL)
Replies: 34
Views: 3597

Re: Considering living with Mother in law (MIL)

She has the money for professional live-in help.

Even if she won't spend it and you pay for professional live-in help, that' way cheaper than a divorce.
by badger42
Wed Dec 19, 2018 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Please critique my uncles investment advice...
Replies: 10
Views: 818

Re: Please critique my uncles investment advice...

Does your uncle have a day job?

Because anybody who can accurately predict what bonds can do shouldn't need one.
by badger42
Wed Dec 19, 2018 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Custom fund in 401k: “Real Assets Fund”
Replies: 4
Views: 198

Re: Custom fund in 401k: “Real Assets Fund”

That's a really bizarre mix of assets. I wouldn't touch it with the proverbial 10 foot pole, even at zero ER.

If there were specific sub-components I wanted (e.g. we have some TIPS, and international RE through VNQI) I would invest in them separately.
by badger42
Wed Dec 19, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Buyer's Remorse on purchasing a Mercedes
Replies: 82
Views: 6814

Re: Buyer's Remorse on purchasing a Mercedes

You aren't on the hook for payments, your dad is. It sounds like any changes to your parents' finances are rearranging the deckchairs on the Titanic. You are out 300/mo, which is not a bad (car+insurance) cash cost. Drive the car. Do basic maintenance on the car but don't go crazy. Save $$ and be pr...
by badger42
Tue Dec 18, 2018 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 standard deduction or itemized deduction?
Replies: 5
Views: 695

Re: 2018 standard deduction or itemized deduction?

Yes, you are correct.

Any reasonable tax software should effectively calculate the itemized deduction, and just use the greater of (standard, itemized). You should do the same; otherwise you are paying more taxes than you are required to pay.
by badger42
Tue Dec 18, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: Another Desktop (Self Built) Updating Question
Replies: 17
Views: 855

Re: Another Desktop (Self Built) Updating Question

What do you have for storage? If it's a spinning hard drive, the #1 upgrade (by far) would be a SSD. It will literally make your system feel like a new computer. You could keep the old spinning disk for bulk video storage or similar, or if you fit on a reasonable SSD (say 1TB or less), just retire ...
by badger42
Tue Dec 18, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: Another Desktop (Self Built) Updating Question
Replies: 17
Views: 855

Re: Another Desktop (Self Built) Updating Question

What do you have for storage? If it's a spinning hard drive, the #1 upgrade (by far) would be a SSD. It will literally make your system feel like a new computer. You could keep the old spinning disk for bulk video storage or similar, or if you fit on a reasonable SSD (say 1TB or less), just retire it.
by badger42
Tue Dec 18, 2018 11:34 am
Forum: Investing - Help with Personal Investments
Topic: TLH SCHB to VTI
Replies: 7
Views: 545

Re: TLH SCHB to VTI

I have done this exact TLH. It's two different indexes, I personally have no concerns here.
by badger42
Mon Dec 17, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Uninterruptible power supplies (UPS) battery backups: Need advice
Replies: 23
Views: 1536

Re: Uninterruptible power supplies (UPS) battery backups: Need advice

Thanks, I will check that site out. I do have pretty large size batteries, 1350, and am now glad I got those. I think I got them from Costco, there was not much selection there. And good to know about the disposal issues, thank you! 1350 is the theoretical max VA (volts * amps) of the inverter, und...
by badger42
Mon Dec 17, 2018 12:23 am
Forum: Personal Consumer Issues
Topic: Uninterruptible power supplies (UPS) battery backups: Need advice
Replies: 23
Views: 1536

Re: Uninterruptible power supplies (UPS) battery backups: Need advice

Also, when you replace UPS batteries, be sure you recycle the old ones - the lead-acid chemistry is very easy to recycle (and anywhere that takes car batteries will usually take them - tell them "motorcycle" or "lawnmower" if they are unsure), and quite toxic if it's disposed of improperly.
by badger42
Sun Dec 16, 2018 11:59 pm
Forum: Personal Consumer Issues
Topic: Uninterruptible power supplies (UPS) battery backups: Need advice
Replies: 23
Views: 1536

Re: Uninterruptible power supplies (UPS) battery backups: Need advice

Batteries - assuming you can do some basic spec matching and measurement, batterymart.com is my go-to for replacement UPS batteries. The value for $$ is hard to beat (way better than local shops) and customer service is A+. For UPS battery longevity, the key is sizing - the inexpensive sealed lead a...
by badger42
Sat Dec 15, 2018 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: SWTSX to SCHB wash sale??
Replies: 10
Views: 612

Re: SWTSX to SCHB wash sale??

They track different indexes. I would have no problem doing TLH between the two of them (or two ETFs tracking that pair of indexes). I also have no problem TLH'ing a bond of a different date from the same issuer, or between something that uses a Dow Jones index and something that uses a similar but...
by badger42
Sat Dec 15, 2018 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: SWTSX to SCHB wash sale??
Replies: 10
Views: 612

Re: SWTSX to SCHB wash sale??

They track different indexes. I would have no problem doing TLH between the two of them (or two ETFs tracking that pair of indexes). I also have no problem TLH'ing a bond of a different date from the same issuer, or between something that uses a Dow Jones index and something that uses a similar but ...
by badger42
Thu Dec 13, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Grandfathered T-mobile plan, change SIM
Replies: 8
Views: 430

Re: Grandfathered T-mobile plan, change SIM

The vast majority of SIM cards can be cut down safely. The key is to use a SIM cutter (which 'stamps out' the SIM into the right shape), and be sure to smooth the edges with a bit of sandpaper. Example product: https://www.amazon.com/Aerb-Nano-Micro-Nano-Standard-Micro-Standard-Cellphones/dp/B009P16...
by badger42
Wed Dec 12, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: NEW CAR anyone w/ experience buying police, SSV or taxi package?
Replies: 19
Views: 2130

Re: NEW CAR anyone w/ experience buying police, SSV or tax package?

And nobody has mentioned taxis - most Taxis and Ubers around here are a Toyota Prius or 4-cylinder Camry, basically stock base-ish models. They seem to hold up pretty well to the rigors of taxi service.
by badger42
Tue Dec 11, 2018 8:05 pm
Forum: Personal Consumer Issues
Topic: Donate to homeless?
Replies: 84
Views: 4093

Re: Donate to homeless?

We have a number of Roma / Gypsy panhandlers locally. They are dropped off and picked up in nice late model luxury cars. They usually have babies or young children, who are oddly quiet (drugged?) You will frequently see the same woman with different babies (like, clearly different ages) on different...
by badger42
Tue Dec 11, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Hyatt Legal Plan for Will and Trust
Replies: 48
Views: 2216

Re: Hyatt Legal Plan for Will and Trust

We also used an attorney who works with Hyatt for our will and trust. This attorney did a great job - she specialized in estate planning (pretty much her sole area of practice), primarily works with Hyatt Legal clients, and had a really good system in terms of information gathering, document approva...
by badger42
Tue Dec 11, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Advise on how to deal with this insurance claim situation
Replies: 29
Views: 1457

Re: Advise on how to deal with this insurance claim situation

File the claim with your insurance company (it is likely the other driver has already contacted them). Let the insurance companies sort out whose fault it is. Also, your wife might consider something along the lines of a defensive driving class - backing purely from the camera view (without also mon...
by badger42
Mon Dec 10, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 118773

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Interesting. If I ever see an oil light, I immediately shut off the car. Then I figure out the best way to continue. Walk to gas station...call AAA, call someone to bring oil. If the oil plug or filter was loose and gushing oil, its not going to last very long. This is any car And ignoring the oil ...
by badger42
Fri Dec 07, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: Root Canal - dentist or endodontist
Replies: 47
Views: 3670

Re: Root Canal - dentist or endodontist

Stinky wrote:
Fri Dec 07, 2018 7:08 pm
The Endo does root canals all day - very fast, efficient, and capable.
This is truly the key, especially since you really don't want to have to go back and do it again.
by badger42
Fri Dec 07, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Root Canal - dentist or endodontist
Replies: 47
Views: 3670

Re: Root Canal - dentist or endodontist

(Staying away from specific medical advice here, this is more life advice) As a general rule, the more somebody does something, the better they are at it. If I need a procedure where risk or outcome is dependent on skill (endo definitely falls into that category), particularly where re-work would be...
by badger42
Wed Dec 05, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: New QUIET Tires for Accord
Replies: 37
Views: 2598

Re: New QUIET Tires for Accord

For keeping tires quiet, maintain your tires well. This means rotating them every 10k miles or less (just do rotations with oil changes), maintaining tire pressure, maintaining alignment (poor wear due to alignment issues will cause noisy tires), and making sure your suspension is in good shape (bad...
by badger42
Fri Nov 30, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: Our SS Numbers were hacked at Health Provider
Replies: 12
Views: 1535

Re: Our SS Numbers were hacked at Health Provider

We've been part of several major breaches including Anthem (also healthcare). Frozen credit is far and away the most important part - there's relatively little the bad actors can do as long as your credit is frozen. In general, be aware that health care IT is frequently poorly built and managed, and...