Search found 658 matches

by Goal33
Wed Dec 12, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Lyft driver got into an accident, but denies it
Replies: 71
Views: 5547

Re: Lyft driver got into an accident, but denies it

To those advocating for calling the police... they won't necessarily show up in this case. Assuming you are in the US - if you tell them you are in a passenger in a ride share, may have been injured, and there seems to be a communication problem between the two drivers, I would be surprised if they...
by Goal33
Wed Dec 12, 2018 6:46 am
Forum: Personal Consumer Issues
Topic: Lyft driver got into an accident, but denies it
Replies: 71
Views: 5547

Re: Lyft driver got into an accident, but denies it

To those advocating for calling the police... they won't necessarily show up in this case.
by Goal33
Wed Dec 12, 2018 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Cash out Refi rates lower than regular Refi rates (jumbo vs conforming)
Replies: 1
Views: 202

Re: Cash out Refi rates lower than regular Refi rates (jumbo vs conforming)

Since you’ve got another year left, and don’t plan to stay more than 5 years, I think I’d punt on this for now. Re-evaluate in 6 months. Continue to enjoy your lower rate. Also, would be good to look at 3/1 options. Edit: and yes, I’d definitely take out the higher amount and then just immediately d...
by Goal33
Wed Nov 28, 2018 1:26 am
Forum: Personal Consumer Issues
Topic: Electricity bill should be 7% per month of home sq footage.
Replies: 66
Views: 3907

Re: Electricity bill should be 7% per month of home sq footage.

CA Bay Area condo, 900sqft, average around $60. So spot on for me at 7%
by Goal33
Mon Nov 26, 2018 1:04 am
Forum: Investing - Help with Personal Investments
Topic: Am I too risk averse?
Replies: 45
Views: 3367

Re: Am I too risk averse?

Yes you’re too risk adverse
by Goal33
Tue Nov 20, 2018 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Amazon TLH Apple
Replies: 5
Views: 468

Re: Amazon TLH Apple

TLH Amazon, and buy VTI is the typical answer you'll see here, and also what I'd recommend.
by Goal33
Sat Nov 17, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: When is Too Long to Return a Hair Dryer to Costco?
Replies: 73
Views: 4928

Re: When is Too Long to Return a Hair Dryer to Costco?

I am always ashamed to return something like this to Costco but I get over it when I have the cash in my hand. lol
by Goal33
Sat Nov 17, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Why do rental car companies give you all keys?
Replies: 6
Views: 872

Re: Why do rental car companies give you all keys?

I find it rather annoying that enterprise is inconsistent. Sometimes one key, sometimes two. I am typically a one way rental car user. Literally every single time I’ve gotten one key, the drop off location protests and acts like I lost a key. I have to fight each time.
by Goal33
Mon Nov 12, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 111
Views: 9964

Re: Granddaughter needs $ help for university

Maybe better to just pay for her college... I assume they are your heirs over your DIL anyway.
by Goal33
Fri Nov 09, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Selling Internet domain name based on family last name.
Replies: 36
Views: 3692

Re: Selling Internet domain name based on family last name.

I work for a multi billion dollar corporation and we only paid 10k for our domain. It’s also a word. OP, take the 3k. They’re not going to offer you a revenue share of their business over the domain. They’ll just pick another domain.
by Goal33
Wed Nov 07, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Christmas gift suggestions for 2.5 year old?
Replies: 20
Views: 959

Re: Christmas gift suggestions for 2.5 year old?

There's no winning here... My parents give my nephew cash in the college account but feel guilty/envious about how my BIL's family is connecting over material gifts despite the fact that the cash towards college is worth way more $. When they give gifts my sister 95% determines its not acceptable fo...
by Goal33
Wed Nov 07, 2018 4:37 am
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 46
Views: 4486

Re: How much money did you receive from family? (Gifts/inheritance)

My parents paid for my college and most living expenses. Life changing because I didn’t owe anybody a penny when I graduated and already had a nice savings. My parents and grandma contributed significantly towards my first car (used) which I drove for 9 year and then sold it and used the proceeds to...
by Goal33
Mon Nov 05, 2018 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12906

Re: Are we in trouble?

Wow. for 1.2 million you could live in CA. Obviously not the same house, but still.
by Goal33
Thu Nov 01, 2018 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Fully maxed out
Replies: 70
Views: 8156

Re: Fully maxed out

We are around 200k income this year... and will max: His 401k (megabackdoor) His Backdoor Roth His HSA (family) Her 403b Her backdoor Roth And did taxable... no 529 yet Edit: and we live in the hcol San Francisco Bay Area. What is 401k (megabackdoor)? Any information or link pertaining to this? Tha...
by Goal33
Tue Oct 30, 2018 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Time to sell our condo? Advice needed.
Replies: 24
Views: 2625

Re: Time to sell our condo? Advice needed.

Sounds like a lot of work. I'd stay until I was ready to move.
by Goal33
Tue Oct 30, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Car hit while parked, no note, just want damages as cash from insurance
Replies: 18
Views: 2933

Re: Car hit while parked, no note, just want damages as cash from insurance

White Coat Investor wrote:
Fri Oct 26, 2018 7:26 pm
Yea, just tell the insurance company. No biggie.
You're right. This was a very simple process
by Goal33
Tue Oct 30, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Car hit while parked, no note, just want damages as cash from insurance
Replies: 18
Views: 2933

Re: Car hit while parked, no note, just want damages as cash from insurance

OP here: Insurance company values the car at around 10k, so was not even close to a total loss. Body shop estimates damage at around 3k Progressive Adjuster estimates damage at around 2.3k I can take 2.3k - 1k deductible and pocket 1.3k OR I can bring it to my preferred body shop and they'll work wi...
by Goal33
Sun Oct 28, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard thinks I have a wash sale. Do I?
Replies: 41
Views: 4374

Re: Vanguard thinks I have a wash sale. Do I?

Had a similar issue couple weeks ago and the vanguard rep told me he will not discuss the matter further with me as I need to consult a tax professional. I pleaded with him to hear me out but he refused. I said ok, I will do further research and call back. The next morning he called me apologizing a...
by Goal33
Sat Oct 27, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Sell land at a loss or keep?
Replies: 38
Views: 2934

Re: Sell land at a loss or keep?

You won’t have to make a decision so soon. That depressed land might take a while to sell. Go ahead and list it and take it from there.
by Goal33
Fri Oct 26, 2018 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Car hit while parked, no note, just want damages as cash from insurance
Replies: 18
Views: 2933

Car hit while parked, no note, just want damages as cash from insurance

My car was hit in parking lot, no note was left... Got a quote, it's about 3k in damage. The car is an old luxury car that is hard to value, it's anywhere from 4-8k depending on the potential buyer (before this damage). The car is totally drivable but the way they hit so many of the panels and the r...
by Goal33
Fri Oct 19, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?
Replies: 53
Views: 5094

Re: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?

Can you take a vacation now and then give notice while on vacation? :shock:
by Goal33
Tue Oct 16, 2018 1:37 am
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4291

Re: Relocation to California

Look at Simi Valley and Thousand Oaks
by Goal33
Mon Oct 15, 2018 1:20 pm
Forum: Investing - Theory, News & General
Topic: Should I sell Microsoft Bond
Replies: 19
Views: 1425

Re: Should I sell Microsoft Bond

I am confident that Microsoft will be able to pay your bond back in full at maturity. However, I personally probably wouldn't want to hold it.
by Goal33
Sun Oct 14, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 10969

Re: Should we move to San Diego from east coast?

Tdubs wrote:
Sun Oct 14, 2018 3:48 pm
perfect weather
+1, yes you should move to San Diego...
by Goal33
Sun Oct 14, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Buy car cash or take low rate loan
Replies: 33
Views: 1924

Re: Buy car cash or take low rate loan

Tell us about your needs for liquidity
by Goal33
Sun Oct 14, 2018 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: 1% Balance Transfer - Uber Barclays Visa
Replies: 16
Views: 861

Re: 1% Balance Transfer - Uber Barclays Visa

I bought a used car in 2016 using a 1% barclay balance transfer offer. Not only is it a low fee and a 0% rate, but at the time the minimum payment was only 1% of the balance.
by Goal33
Thu Oct 11, 2018 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Home Purchase - Sellers Request Help with Repairs
Replies: 69
Views: 3247

Re: Home Purchase - Sellers Request Help with Repairs

Forgo the 4k at closing if they can lower the price of the house to 388 :)
by Goal33
Thu Oct 11, 2018 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for Remodel
Replies: 9
Views: 1196

Re: Paying for Remodel

Drag out the remodel long enough to save up another 5k, and use cash.
by Goal33
Sun Oct 07, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: Poll: BHs who rent - what % of gross do you spend on rent?
Replies: 84
Views: 6407

Re: Poll: BHs who rent - what % of gross do you spend on rent?

about 15% in HCOL Bay Area (East Bay)... single income married couple... wife looking for a job and should be around 11% once she finds something.
by Goal33
Fri Sep 28, 2018 9:37 pm
Forum: Investing - Theory, News & General
Topic: Sears, a 125 year old company is now a penny stock.
Replies: 127
Views: 15594

Re: Sears, a 125 year old company is now a penny stock.

Not bad. Talk about an interesting case study. How have they managed to stay in business this long with such poor prospects and finances? Impressive.
by Goal33
Fri Sep 28, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Protection buying a used car private party that has a loan
Replies: 17
Views: 1065

Re: Protection buying a used car private party that has a loan

If I had a loan I’d just pay it off first to avoid dealing with that portion of the process. If I was a buyer I’d find somebody who did what I would have done.
by Goal33
Fri Sep 28, 2018 1:44 am
Forum: Investing - Help with Personal Investments
Topic: What to consider when selling company RSUs
Replies: 18
Views: 1929

Re: What to consider when selling company RSUs

The thing to consider is all your wife’s colleagues getting rich quicker while you are a smarter, more diversified boglehead.

My networth would be double if I held onto my RSUs, but I stay the course with my 3 fund portfolio
by Goal33
Thu Sep 27, 2018 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: Need some advice getting started at 34yo (updated 10/21/2018)
Replies: 20
Views: 3199

Re: Need some advice getting started at 34yo

If you managed to post here, you don't need EJ
by Goal33
Tue Sep 25, 2018 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: What investment company does your employer use?
Replies: 21
Views: 1440

Re: What investment company does your employer use?

I work for a $20-40b company that uses fidelity for 401k, and Morgan Stanley for stock-based compensation.

Edit: our fidelity 401k has vanguard funds
by Goal33
Tue Sep 25, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Exchanging within taxable acct; is this a good idea?
Replies: 12
Views: 872

Re: Exchanging within taxable acct; is this a good idea?

When you tax loss harvest again you'll end up in different funds. I'd just stick with what you've got until you're in a lower tax bracket. Send dividends to checking or settlement fund. Use new money to buy your preferred funds.
by Goal33
Mon Sep 24, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Investing in the Rare Opportunity
Replies: 59
Views: 4616

Re: Investing in the Rare Opportunity

Not sure how this became a thread about 3mil vs 7mil ... obviously 7 million buys you a lifestyle in a different league... not sure how folks are arguing this.
by Goal33
Mon Sep 24, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage application: Disclosing All Assets?
Replies: 17
Views: 2093

Re: Mortgage application: Disclosing All Assets?

It'll be fine as long as you have enough in taxable to qualify for all incentives / rate reductions. I.e. 12 months reserve, or things like this.

You can just ask your mortgage broker if there would be any incentive to show additional assets. They want this process as streamlined as possible too.
by Goal33
Mon Sep 24, 2018 1:33 am
Forum: Personal Finance (Not Investing)
Topic: Best way to get $100k cash
Replies: 86
Views: 7769

Re: Best way to get $100k cash

Those days are over
by Goal33
Mon Sep 24, 2018 12:25 am
Forum: Investing - Help with Personal Investments
Topic: Investing in the Rare Opportunity
Replies: 59
Views: 4616

Re: Investing in the Rare Opportunity

I don’t understand why he can’t get his 1 million now and keep working for the other 1%
by Goal33
Sat Sep 22, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: When is it OK to not go through car insurance after you've been hit?
Replies: 17
Views: 1937

Re: When is it OK to not go through car insurance after you've been hit?

If you take the money it’ll be awkward if you don’t repair it
by Goal33
Thu Sep 20, 2018 11:15 pm
Forum: Investing - Theory, News & General
Topic: Chase You Invest, is low cost the new default?
Replies: 13
Views: 1830

Re: Chase You Invest, is low cost the new default?

I heard they can’t do specid cost basis tracking. I didn’t verify.
by Goal33
Thu Sep 20, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: HOA Donation in Remembrance of Deceased Owner
Replies: 40
Views: 3184

Re: HOA Donation in Remembrance of Deceased Owner

What about an employer that sends flowers or remembrance in the case of current employees, spouses of employees or long time retirees? Would you folks object as well? No, I would not object to that. That builds good will for the organization and is good for business. The HOA does not need this type...
by Goal33
Wed Sep 19, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25794

Re: What is your single most expensive mistake?

I would have left the key the same. Nothing to steal in my car, and if they steal the car itself... would love that insurance payout.
by Goal33
Tue Sep 18, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: HOA Donation in Remembrance of Deceased Owner
Replies: 40
Views: 3184

Re: HOA Donation in Remembrance of Deceased Owner

You can thank them for their membership of the association in the next newsletter. I would not want my HOA spending money on this.
by Goal33
Mon Sep 17, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Dilemma: Add room to current house or buy new house?
Replies: 93
Views: 4949

Re: Dilemma: Add room to current house or buy new house?

Delete the zillow/redfin app off your phones... sounds like the extra room makes no difference to you guys