Search found 598 matches

by Goal33
Fri Aug 17, 2018 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage Name Change Logistics
Replies: 14
Views: 1302

Re: Marriage Name Change Logistics

Does one have to go to the court to get her name changed? In CA you can input your new name choice on marriage license and use that to start the process... if you don’t, you have to go to court to change it. This is not quite correct. In some states you can put your new name on the marriage license...
by Goal33
Fri Aug 17, 2018 2:17 am
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 61
Views: 5293

Re: Terminating an employee with company car

Update: I got up early and came to the office at 6:45am. I boxed his personal belongings up. I texted my other employees and told them they could come in a little later. At 8am, he came in and we talked before he had time to go to his desk. It was a short conversation, not hostile. I allowed him to...
by Goal33
Thu Aug 16, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Non-owner contributing to home renovations: what's fair?
Replies: 34
Views: 1847

Re: Non-owner contributing to home renovations: what's fair?

When I was engaged to be married, I put 5k down towards fiancée’s car. It was her car, title in her name. I believed in separated finances until marriage. I don’t see how it could be anything other than a gift.
by Goal33
Thu Aug 16, 2018 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 61
Views: 5293

Re: Terminating an employee with company car

Update: I got up early and came to the office at 6:45am. I boxed his personal belongings up. I texted my other employees and told them they could come in a little later. At 8am, he came in and we talked before he had time to go to his desk. It was a short conversation, not hostile. I allowed him to...
by Goal33
Thu Aug 16, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Seattle- mandatory affordable housing units affect single family home values?
Replies: 45
Views: 2666

Re: Seattle- mandatory affordable housing units affect single family home values?

bill88 wrote:
Thu Aug 16, 2018 12:32 pm
She should get her realtor's feedback on the current and future value of the home. And perhaps explore that job transfer, if she has the option.
Do you expect the realtor to offer anything aside from now is the best time to buy or sell?
by Goal33
Thu Aug 16, 2018 12:31 pm
Forum: Investing - Theory, News & General
Topic: Anyone try to tax loss harvest and fail?
Replies: 12
Views: 941

Re: Anyone try to tax loss harvest and fail?

I wouldn't think most people bother with TLH over being down $500 in a taxable account. That's a lot of work to keep $500 of income off the books. I guess if you're equities total 7 figures you probably aren't worried about a TLH-ing a $3k loss either in a taxable account. If your equities are in t...
by Goal33
Thu Aug 16, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: Car alarm '98 Camry ?
Replies: 20
Views: 630

Re: Car alarm '98 Camry ?

Is this why most here recommend the '99 Camry?
by Goal33
Thu Aug 16, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 61
Views: 5293

Re: Terminating an employee with company car

I'd give the employee a box, tell them to clean out the car and leave the key at the front desk when they're ready... worse case they don't give you back the car and you make an insurance claim??
by Goal33
Thu Aug 16, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Marriage Name Change Logistics
Replies: 14
Views: 1302

Re: Marriage Name Change Logistics

HueyLD wrote:
Thu Aug 16, 2018 9:51 am
Does one have to go to the court to get her name changed?
In CA you can input your new name choice on marriage license and use that to start the process... if you don’t, you have to go to court to change it.
by Goal33
Thu Aug 16, 2018 1:07 am
Forum: Personal Consumer Issues
Topic: Travel delay: Can I *easily* get $60 back?
Replies: 37
Views: 2090

Re: Travel delay: Can I *easily* get $60 back?

Looks like the answer is no :D
by Goal33
Thu Aug 16, 2018 12:52 am
Forum: Personal Finance (Not Investing)
Topic: Seattle- mandatory affordable housing units affect single family home values?
Replies: 45
Views: 2666

Re: Seattle- mandatory affordable housing units affect single family home values?

Nobody can predict anything...

If Seattle real estate goes up overall by another 50%, maybe this place will only go up 49% due to the affordable housing being built. I wouldn't worry about it...
by Goal33
Thu Aug 16, 2018 12:48 am
Forum: Personal Finance (Not Investing)
Topic: Marriage Name Change Logistics
Replies: 14
Views: 1302

Marriage Name Change Logistics

Recently Married and we are working on DW's name change. I have some logistical questions to sort out. Name change questions: 1) Do we have to update a previous employer? is it a problem if the 2018 W-2 has the previous name? 2) Instead of updating Ally for checking/savings, we are going to close he...
by Goal33
Tue Aug 14, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Windfall proceeds - what to do?
Replies: 16
Views: 1330

Re: Windfall proceeds - what to do?

I’d start by paying off the house loans and student loans
by Goal33
Tue Aug 14, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Almost 30 - Check In
Replies: 33
Views: 3423

Re: Almost 30 - Check In

That ring is a little rich. You should find something similar to the one you liked online at bluenile or brilliant earth...
by Goal33
Mon Aug 13, 2018 1:13 am
Forum: Personal Consumer Issues
Topic: Dublin, Where to stay?
Replies: 14
Views: 1231

Re: Dublin, Where to stay?

I am in Dublin 5x per year 10 days each time. Always stay at the Morrison (Hilton doubletree)
by Goal33
Sat Aug 11, 2018 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: RSUs with long term potential
Replies: 9
Views: 808

Re: RSUs with long term potential

You’ll pay ordinary income taxes on the day you receive them for the full value. Typically your company will sell enough shares to cover that tax burden. So if you sell the remaining immediately, there will be no gain. So you don’t have to worry about waiting a year for some type of beneficial tax t...
by Goal33
Sat Aug 11, 2018 1:12 am
Forum: Personal Finance (Not Investing)
Topic: Response from boss re: market analysis
Replies: 71
Views: 7396

Re: Rude response from boss re: market adjustment

I don’t understand why you are advocating for the entire department...
by Goal33
Fri Aug 03, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Do you think I am being too conservative on buying a house?
Replies: 46
Views: 3612

Re: Do you think I am being too conservative on buying a house?

Seems to me like you could do it her way, but you don't want to. Not sure how we can help here... you need to get on the same page with regards to children asap or move on.
by Goal33
Thu Aug 02, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Co - signed a Mortage, Now wants out
Replies: 57
Views: 6030

Re: Co - signed a Mortage, Now wants out

On the bright side, the house is up in value so you probably won’t have any negative consequences aside from bad credit when they start missing payments.
by Goal33
Tue Jul 31, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: 1.9 M windfall. My plan; input requested
Replies: 30
Views: 4576

Re: 1.9 M windfall. My plan; input requested

To echo bloom2708, I think the primary residence number seems low, and I would also pass on investment real estate.

Also, you probably could spend less on furniture... Edit.. nvm, that includes the ring, honeymoon, and wedding.
by Goal33
Sun Jul 29, 2018 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: 401k loan for car payoff - bond allocation used
Replies: 13
Views: 1089

Re: 401k loan for car payoff - bond allocation used

It’s not worth the trouble either way. Just take a car loan if you need a loan.
by Goal33
Sun Jul 22, 2018 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Buy house for retired mother?
Replies: 72
Views: 4972

Re: Buy house for retired mother?

We pay rent on a nice 2 bedroom apartment in east sf Bay Area and support a lifestyle of regular eating out and vacations for less than 75k.
by Goal33
Sun Jul 22, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: When to buy airline tickets for Christmas flight?
Replies: 12
Views: 1322

Re: When to buy airline tickets for Christmas flight?

Sounds like the best time is a few months after you usually buy them.
by Goal33
Thu Jul 19, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Watch Collection Reasonable or Unreasonable or Irresponsible?
Replies: 104
Views: 5086

Re: Watch Collection Reasonable or Unreasonable or Irresponsible?

I’d say stop further investment and use trades to continue the journey as desired.
by Goal33
Fri Jul 13, 2018 8:19 am
Forum: Personal Consumer Issues
Topic: Buying Used Honda/Toyota -- How old is too old?
Replies: 16
Views: 1242

Re: Buying Used Honda/Toyota -- How old is too old?

I got a 2006 Matrix in 2007 with 29k miles for 13k when I was 16. That was a decade ago but still drives today. That car was perfect for high school, college, first couple years of career... lots of space for moving.
by Goal33
Tue Jul 03, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Closing Thursday but new house wall damaged by seller’s mover
Replies: 16
Views: 2412

Re: Closing Thursday but new house wall damaged by seller’s mover

You have to consider additional costs if there isn’t matching paint in the garage.
by Goal33
Thu Jun 28, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a wash sale?
Replies: 6
Views: 319

Re: Is this a wash sale?

jhfenton wrote:
Thu Jun 28, 2018 12:07 pm
A repurchase on the 30th day is a wash sale. You have to be outside the 30th day after the day of the sale.

Just wait until tomorrow.
Thanks!
by Goal33
Thu Jun 28, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a wash sale?
Replies: 6
Views: 319

Re: Is this a wash sale?

Look at a calendar count those days. It was exactly 30 days. I am tripped up because my interpretation previously was that I would have to make the purchase back in tomorrow, but I assumed the trading restriction Vanguard put on my account from the previous sale was the same day count as the wash s...
by Goal33
Thu Jun 28, 2018 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a wash sale?
Replies: 6
Views: 319

Is this a wash sale?

Tl;dr: On 6/28, I want to buy back into the shares I sold on 5/29. This will be exactly 30 days. Is this a wash sale? Here are my transactions in question (every Sell transaction has been at a loss): 5/29/2018 - Sell VTSAX (Total Stock Market Admiral) 5/29/2019 - Buy VFIAX (S&P500 Admiral) 6/25/2018...
by Goal33
Sat Jun 23, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Repair old refrigerator or purchase new
Replies: 24
Views: 1761

Re: Repair old refrigerator or purchase new

If you’ll get satisification out if he DIY fix, I’d fix it myself. Otherwise replace.
by Goal33
Tue Jun 12, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage or keep cd
Replies: 7
Views: 811

Re: Pay off mortgage or keep cd

The only reason to not pay it off is to maintain liquidity, at a cost that you can calculate.
by Goal33
Sun Jun 03, 2018 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Helping son buy a house
Replies: 33
Views: 3125

Re: Helping son buy a house

Keep it simple. Gift him some downpayment money and let him borrow it from the bank. I don't know your son. We gifted our son (same age) the down payment for his first house. Within a year he got married, sold the house and moved. It was not a wise financial decision in my opinion but I kept quiet ...
by Goal33
Sun Jun 03, 2018 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Helping son buy a house
Replies: 33
Views: 3125

Re: Helping son buy a house

Keep it simple. Gift him some downpayment money and let him borrow it from the bank. I don't know your son. We gifted our son (same age) the down payment for his first house. Within a year he got married, sold the house and moved. It was not a wise financial decision in my opinion but I kept quiet ...
by Goal33
Sun Jun 03, 2018 1:36 am
Forum: Investing - Theory, News & General
Topic: Taxable Investing if Not Worried About Capital Gains
Replies: 9
Views: 1527

Re: Taxable Investing if Not Worried About Capital Gains

I’ve read a thread where livesoft will sell a fund to avoid its dividend by buying something else. He was able to do this tax free because of his capital losses. Maybe he will respond with more details if he sees this.
by Goal33
Sat Jun 02, 2018 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: 403B Dilemna
Replies: 10
Views: 1373

Re: 403B Dilemna

Not sure but here’s an idea:

See about withholding less federal / state taxes to bump the check higher. Make up for it by withholding more from your check or making a quarterly estimated payment...
by Goal33
Sat Jun 02, 2018 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Helping son buy a house
Replies: 33
Views: 3125

Re: Helping son buy a house

Keep it simple. Gift him some downpayment money and let him borrow it from the bank.
by Goal33
Sun May 27, 2018 1:06 pm
Forum: Investing - Theory, News & General
Topic: Renting vs Owning Your Home
Replies: 166
Views: 13908

Re: Renting vs Owning Your Home

I think I can sell my house for about 10X what I paid for it. Sounds like a killing but probably close to about 5% compounded. Not bad but not a killing either. I disagree. This is a killing. You likely financed 80-100% of this home 44 years ago. And you haven’t had to pay rent the entire time. You...
by Goal33
Tue May 22, 2018 1:15 am
Forum: Personal Finance (Not Investing)
Topic: Disputed HOA billing
Replies: 21
Views: 1985

Re: Disputed HOA billing

Pay it, sell it, and never buy in an HOA again
by Goal33
Wed May 16, 2018 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage decision killing me
Replies: 52
Views: 7053

Re: Mortgage decision killing me

I'd take the 30 year but wish I had the 7/1... :oops:
by Goal33
Fri May 11, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: ques
Replies: 47
Views: 4654

Re: Should I pay cash for a house?

I would go for it but definitely get one with a full 2nd bathroom just to make this better time-proofed... you'll likely end up moving anyway but just in case life works out and you can stay, you won't want to have that be an issue.
by Goal33
Fri Apr 27, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Comfortable Commuter Cars under $50K
Replies: 81
Views: 6282

Re: Comfortable Commuter Cars under $50K

1999 Toyota Corolla with electric windows
by Goal33
Thu Apr 26, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: How do I un-follow stock market?
Replies: 31
Views: 1948

Re: How do I un-follow stock marke?

For me it was when I realized I was better off doing nothing... aka putting it all in SP500.
by Goal33
Sun Apr 22, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Renting from potential in-laws?
Replies: 10
Views: 980

Re: Renting from potential in-laws?

Stay in your unit. Otherwise their problems become your problem.

I actually made money in a situation where I bought and sold in less than 2 years but I got lucky and didn’t think I would be moving that soon. I wouldn’t recommend it.
by Goal33
Tue Apr 17, 2018 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: [How should I pay off my mortgage?]
Replies: 11
Views: 1477

Re: [How should I pay off my mortgage?]

Liquidity concerns are why I would prioritize taxable investing over paying down mortgage. I assume similar ROI either way but liquidity can be very comforting.