Search found 534 matches

by Globalviewer58
Sat Nov 16, 2019 9:13 am
Forum: Personal Investments
Topic: Don't peek, but since the 2018 highs, a 60/40 portfolio is up by What Percent?
Replies: 64
Views: 7245

Re: Don't peek, but since the 2018 highs, a 60/40 portfolio is up by What Percent?

I peeked and found the answer interesting. Thanks for the thought exercise.
by Globalviewer58
Tue Nov 12, 2019 2:08 pm
Forum: Personal Investments
Topic: 401k rollover IRA by end of year
Replies: 11
Views: 341

Re: 401k rollover IRA by end of year

You might see if your new employer’s 401K Plan allows a rollover of your current 401K balance. Once you are on the new Plan, initiate the rollover. If current Plan requires you move the funds sooner, then make sure all of your wage deferrals and employer matching contributions are complete and open ...
by Globalviewer58
Fri Oct 25, 2019 9:31 am
Forum: Personal Investments
Topic: Widowed and scared to let go of investment advisor
Replies: 27
Views: 3064

Re: Widowed and scared to let go of investment advisor

Regarding the DFA Funds you hold at Fidelity, contact Fidelity and explain that you plan to leave your advisor but want to continue to hold these funds. Fidelity will explain how to accomplish the task. I believe I had to open a new account when I did this 10+ years ago. A simple process.
by Globalviewer58
Thu Oct 24, 2019 11:56 pm
Forum: Personal Investments
Topic: Widowed and scared to let go of investment advisor
Replies: 27
Views: 3064

Re: Widowed and scared to let go of investment advisor

You need not worry about a large taxable event when you leave your advisor as you may continue to own the DFA funds and hold them in an account at Schwab for example. You will not be able to buy more DFA shares unless it is through reinvesting capital gains and dividends. I have done this for years....
by Globalviewer58
Tue Oct 15, 2019 7:32 pm
Forum: Personal Consumer Issues
Topic: Commuting dilemma
Replies: 34
Views: 2708

Re: Commuting dilemma

Can you hire a car service for the longer drives? That allows you to work while traveling. The typical Uber driver was earning $10 an hour a couple years ago so a 2 hour commute might be worth getting a quote to see how that compares to your current self driving. Back of the envelope says 2 hours ea...
by Globalviewer58
Sun Oct 13, 2019 2:11 pm
Forum: Personal Investments
Topic: How to Invest in Friends Private Business
Replies: 19
Views: 1213

Re: How to Invest in Friends Private Business

What you are describing may be viewed as a Straw Buyer. The private company likely has a buy-sell agreement with each shareholder. If the agreement forbids buying for a third party then your friend will have a problem when it is learned that he acted as a Straw Buyer. In some cases it is illegal to ...
by Globalviewer58
Sun Oct 13, 2019 12:48 pm
Forum: Personal Investments
Topic: Extricating Myself From an Advisor and Investment Bank
Replies: 35
Views: 2460

Re: Extricating Myself From an Advisor and Investment Bank

I worked with an advisor for a few years and then felt I could move ahead on my own. As others have posted, contact the institution you want to hold the account going forward and coordinate all of the activities through them. I emailed my advisor to thank him for the valuable coaching and letting hi...
by Globalviewer58
Sat Oct 12, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: If we visit Shenandoah and Blue Ridge Parkway, do we "need" to see Great Smoky Mtns. NP, too?
Replies: 52
Views: 5370

Re: If we visit Shenandoah and Blue Ridge Parkway, do we "need" to see Great Smoky Mtns. NP, too?

Put Smoky Mountains NP on your agenda. There are trails to waterfalls, roads leading you to other streams and waterfalls and enjoyable hikes. This is the most visited NP so arrive at the trailhead early (by 7:30 AM) to get a parking spot and enjoy sparsely populated trail. By the time you turn aroun...
by Globalviewer58
Thu Oct 10, 2019 7:46 pm
Forum: Personal Consumer Issues
Topic: Etiquette - [Tree] Leaves that aren’t yours
Replies: 11
Views: 1326

Re: Etiquette - Leaves that aren’t yours

We have two similar empty, heavily treed lots next door. I wait to clean up our leaves until after our neighbor does his. We love the empty lots as a buffer from neighbors so a few dozen bags of leaves is a small price to pay. They are also perfect neighbors which makes a difference.
by Globalviewer58
Sat Oct 05, 2019 5:38 pm
Forum: Personal Consumer Issues
Topic: Kayaking & Fisherman - What is proper etiquette?
Replies: 33
Views: 3912

Re: Kayaking & Fisherman - What is proper etiquette?

You could not see the line so no fault paddling this time. Now that you know it is a fishing spot you might give a look before paddling through in the future to give plenty of room.

When I am fishing it is not a problem to have a boat or kayak pass by and I try to avoid casting across their path.
by Globalviewer58
Sat Sep 28, 2019 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Financing house after divorce
Replies: 28
Views: 2600

Re: Financing house after divorce

OP should review 401K Plan rules regarding loans. Some plans require the loan be paid back before more contributions to the plan are allowed.
by Globalviewer58
Tue Sep 03, 2019 6:03 pm
Forum: Personal Consumer Issues
Topic: Cold Air Penetrating Window Glass (Winter, Boston)
Replies: 30
Views: 2486

Re: Cold Air Penetrating Window Glass (Winter, Boston)

Two issues to consider: insulation and air barrier Remove a piece of exterior window trim to expose the window frame attachment to the structure. Look for an effective air barrier to stop air from penetrating at the intersection of the window frame and the structure. Windows installed 18 years ago i...
by Globalviewer58
Tue Aug 06, 2019 6:05 pm
Forum: Personal Consumer Issues
Topic: Best gutter guards for pine needles
Replies: 9
Views: 1291

Re: Best gutter guards for pine needles

See Raptor gutter guards available through Amazon. Fine stainless mesh opening keeps out debris. Video on the Amazon website shows inside of gutter stays clean. This is a DIY product.
by Globalviewer58
Fri Jul 12, 2019 9:27 pm
Forum: Personal Consumer Issues
Topic: Company not addressing my dad's health condition
Replies: 29
Views: 3086

Re: Company not addressing my dad's health condition

You should search the EEOC website for Request Reasonable Accommodation. There are steps your father can take to document his request to accommodate a disability. The request may not preserve his employment but it is helpful in seeking redress in the event he is not given the accommodation.
by Globalviewer58
Wed Jun 26, 2019 8:59 pm
Forum: Personal Investments
Topic: Questions for new, pitching 401k Adviser for our company?
Replies: 6
Views: 551

Re: Questions for new, pitching 401k Adviser for our company?

Look at Employee Fiduciary website. Their goal is to be a low cost provider in the 401k industry. The advisor will likely need to charge an AUM to participants in the form of higher ERs. How does this help the investor? Who pays the management fee? Many companies embed the management fee in quarterl...
by Globalviewer58
Mon Jun 17, 2019 8:05 pm
Forum: Personal Consumer Issues
Topic: My Cost of Progressive Lenses/glasses - did I pay too much?
Replies: 69
Views: 4791

Re: My Cost of Progressive Lenses/glasses - did I pay too much?

I paid $122.85 to Zenni optical for progressive lens and frame in November 2018. Lenses include lightweight high refractive index material, transition lens, anti-smudge coating. I have an astigmatism. You can go to the Zenni website and enter your prescription detail and select the options and frame...
by Globalviewer58
Wed Jun 12, 2019 7:34 pm
Forum: Personal Investments
Topic: High net worth individual seeks portfolio advice
Replies: 84
Views: 11579

Re: High net worth individual seeks portfolio advice

This may be a great time to learn about maximizing the tax benefits of a Donor Advised Fund while you are in the top bracket. In short, you contribute appreciated securities (like the shares of your business) and enjoy a deduction in the year of the donation for the full market value. There are more...
by Globalviewer58
Wed Jun 05, 2019 8:16 pm
Forum: Personal Consumer Issues
Topic: New Roof - to RidgeVent or to not RidgeVent
Replies: 39
Views: 4215

Re: New Roof - to RidgeVent or to not RidgeVent

An attic ventilation system requires both intake and exhaust to function well as another poster noted. The challenge to getting this done right is that the typical roofing crew will not look at soffits or inside the attic to address the intake issues. It is more common to find a roofing crew install...
by Globalviewer58
Tue May 21, 2019 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Senior management/executives
Replies: 51
Views: 4468

Re: Senior management/executives

If the ask was for non-work related personal services in return for something of value then you may have a hostile work environment complaint to Discuss with HR. The hostile work environment is still around but it is never acceptable. I suggest you document the situation and then discuss with a trus...
by Globalviewer58
Sat May 11, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: What to know before moving all my belongings into storage?
Replies: 19
Views: 2068

Re: What to know before moving all my belongings into storage?

Rodents are attracted to food odors so discard all food items from your kitchen inventory. Use tape to seal all cartons across all seams. Use the largest padlock that fits the storage door. I stored goods for months and was contacted by police department after thieves entered the storage facility on...
by Globalviewer58
Sat May 11, 2019 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Tips for trading in diamond ring
Replies: 8
Views: 811

Re: Tips for trading in diamond ring

The diamond is only worth half of retail value or less to a retailer. Have you considered having it used for another piece of jewelry your wife will treasure?
by Globalviewer58
Mon May 06, 2019 10:20 pm
Forum: Personal Consumer Issues
Topic: Bathroom Remodel - Looking for Advice
Replies: 56
Views: 4764

Re: Bathroom Remodel - Looking for Advice

We had the master bath remodeled a year ago. Three bids ranged from $6,800 to $28,000 for identical materials and scope of work. A background check on the low bidder revealed multiple felony convictions. The high bidder had an excellent reputation and strong bookings so he bid a price that would all...
by Globalviewer58
Mon May 06, 2019 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Educational pathway(s) for future engineer
Replies: 89
Views: 4576

Re: Educational pathway(s) for future engineer

One suggestion for choosing a path is to look at open positions posted on SpaceX or Nvidia or Google and see what background is sought for those roles. Designing antennas for a satellite network may spark further inquiry into roles for EE, ME, etc. Those companies and others may not have a recruitin...
by Globalviewer58
Tue Apr 23, 2019 7:31 pm
Forum: Personal Consumer Issues
Topic: Mechanic mishap - able to stop significant damage - how to avoid in future?
Replies: 59
Views: 3867

Re: Mechanic mishap - able to stop significant damage - how to avoid in future?

Worst damage was at NTB years ago. I watch the tech use a nut driver to reinstall the lug nuts on the first wheel. By the time I get the manager’s attention all 4 wheels are installed and the lug key is stripped. They warped the brake rotors with the nut driver. Had to order a new wheel lug key, com...
by Globalviewer58
Fri Apr 12, 2019 12:28 pm
Forum: Personal Investments
Topic: If I have an existing Roth IRA account, does this year's contribution go into that or do I open a new Roth IRA?
Replies: 5
Views: 445

Re: If I have an existing Roth IRA account, does this year's contribution go into that or do I open a new Roth IRA?

You add to the existing Roth IRA account. When contributions are added, designate the fund you want. You may choose a Target Date Fund as an easy way to allocate your retirement resources based on expected year of retirement.
by Globalviewer58
Sun Apr 07, 2019 7:52 pm
Forum: Personal Consumer Issues
Topic: Porsche Cayenne Base Model vs Premium Lexus RX or GLE?
Replies: 23
Views: 1906

Re: Porsche Cayenne Base Model vs Premium Lexus RX or GLE?

You might reflect on what you hope to realize by owning one of these vehicles. Are you making up for a perceived deficiency? Are you able to drive autobahn speeds and want the safety features?
by Globalviewer58
Wed Mar 13, 2019 3:45 pm
Forum: Personal Consumer Issues
Topic: Army Reserves at 41 as an MI Captain
Replies: 7
Views: 1646

Re: Army Reserves at 41 as an MI Captain

Can you check out the local MI unit and chat with some Company grade membership? You might learn about the time requirement beyond the weekend plus 2 weeks. One of my ROTC friends was placed in a unit with a CO that wanted him in every weekend plus weeknight prep time. A major time suck and not much...
by Globalviewer58
Wed Mar 13, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: Need online doc access - small amount
Replies: 13
Views: 654

Re: Need online doc access - small amount

I use Google Sheets and Docs to have access to a few files I can update using my personal tablet. The files can be set up to have access while offline and then update when you are back online. Everything is saved to the cloud.
by Globalviewer58
Thu Mar 07, 2019 7:13 pm
Forum: Personal Investments
Topic: MetLife Group Variable Universal Life Insurance (GVUL)
Replies: 11
Views: 1047

Re: MetLife Group Variable Universal Life Insurance (GVUL)

I would ask whoever sent the memo if term insurance coverage was available as an alternative. The premium is likely a fraction of the VUL premium.
by Globalviewer58
Tue Mar 05, 2019 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: K-12 Financial Literacy
Replies: 19
Views: 1320

Re: K-12 Financial Literacy

Our school district partners with Junior Achievement to teach financial literacy with community volunteers partnering with classrooms. The materials developed by JA cost $ which is covered from corporate donors and community fund raisers. The benefits are tough to measure. Interactive sessions seem ...
by Globalviewer58
Mon Mar 04, 2019 1:29 pm
Forum: Personal Consumer Issues
Topic: Snowblowers
Replies: 44
Views: 2302

Re: Snowblowers

Before you invest in another snowblower you may benefit by contacting the local snow removal companies to ask about clearing when snow depth is greater than 4 inches (or whatever is beyond the single stage equipment rating they have). Our snow removal company only comes for depth greater than 6 inch...
by Globalviewer58
Sun Mar 03, 2019 2:36 pm
Forum: Personal Investments
Topic: How to invest a massive increase in salary?
Replies: 26
Views: 3489

Re: How to invest a massive increase in salary?

Is it possible that your wife would be interested and able to find employment in her field near your posting that would facilitate more frequent visits? This would be a major change in the living arrangement you described. I was overseas for several years without a spouse and enjoyed the culture but...
by Globalviewer58
Tue Feb 19, 2019 7:10 am
Forum: Personal Finance (Not Investing)
Topic: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...
Replies: 136
Views: 8412

Re: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...

Don’t let your ego delay arrival at financial independence. If you feel a need to splurge, is there something that improves your health or community without costing $50k?
by Globalviewer58
Sat Feb 09, 2019 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Father in law died, what did he have? (MetLife Annuity)
Replies: 9
Views: 2170

Re: Father in law died, what did he have? (MetLife Annuity)

Is a 5 year payout option available for the MIL? This could reduce total taxes paid.
by Globalviewer58
Sat Feb 09, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: Recommendation for home gym (limited space)
Replies: 78
Views: 6860

Re: Recommendation for home gym (limited space)

Body weight exercises plus some 20 lb dumbbells will equip you with the fitness you need for every day life. Use some of the free YouTube fitness videos to focus your efforts. I like 8 minute abs and 8 minute arms videos as condensed, focused exercises to combine with the Elliptical machine. I also ...
by Globalviewer58
Sun Feb 03, 2019 2:20 pm
Forum: Investing - Theory, News & General
Topic: Employer changing 401K administrator. Are you requried to move funds to new provider?
Replies: 14
Views: 1124

Re: Employer changing 401K administrator. Are you requried to move funds to new provider?

Our 401k plan allows qualified enrollees to roll over wage deferrals and vested Er contributions to an IRA or take an in service distribution. Qualified in this case means age 55 or over. The downside of an in service distribution is the tax bill. When the Administrator was changed recently there we...
by Globalviewer58
Tue Jan 15, 2019 7:46 pm
Forum: Personal Consumer Issues
Topic: School staff threatened to call social worker
Replies: 54
Views: 2958

Re: School staff threatened to call social worker

The school administration is rewarded by your child attending so they receive maximum funding. You can get the lesson plan from the Kindergarten teacher and cover these topics with your child. I confess that at adult age, the only thing I recall from Kindergarten was whether I had the rhythm sticks ...
by Globalviewer58
Fri Jan 11, 2019 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Stay in private practice medical or take VA job offer?
Replies: 45
Views: 4035

Re: Stay in private practice medical or take VA job offer?

What would it cost to have a car service pick you up at home for the drive and return you after work? Even if you did this 2 of the 4 work days it may make the commute less of a drag. I am going to guess that you could schedule a regular drive for $100 per day round trip. 100 of these is $10,000. No...
by Globalviewer58
Wed Jan 09, 2019 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for retiring parents: converting 401k to Roth IRA
Replies: 19
Views: 1939

Re: Advice for retiring parents: converting 401k to Roth IRA

Your question is a good one and fortunately the Wiki has a page devoted to the topic. You can search the Boglehead Wiki by clicking on the Wiki at the top of the page. In the search bar enter the term Roth IRA Conversion.
by Globalviewer58
Mon Jan 07, 2019 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Heard of this Company? Fiduciary Wealth Management
Replies: 6
Views: 806

Re: Anyone Heard of this Company? Fiduciary Wealth Management

You might compare their costs to Employee Fiduciary. Our company is in the process of making the transition of 401K plan after our long-time provider asked for a 50% price increase. They thought we would pass along the price hike to employees. Employee Fiduciary has a stated goal of being a low cost...
by Globalviewer58
Sun Dec 30, 2018 2:01 pm
Forum: Personal Investments
Topic: Opinions sought $3.5 M Net Worth
Replies: 76
Views: 9626

Re: Opinions sought $3.5 M Net Worth

Have you considered how you might reduce the stress in your work life? This may be a better challenge to address if you enjoy the work. It seems you believe part time in the same career is a less stressful position. Why? What do you eliminate by going part time?
by Globalviewer58
Tue Dec 25, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Can I deduct all of this donation ?
Replies: 6
Views: 908

Re: Can I deduct all of this donation ?

Was the 70k donation made in cash or through contribution of securities? Looks like your AGI x 0.6 is the deductible amount limit for cash and AGI x 0.3 for appreciated securities.

Amounts not eligible for current year deduction can be carried forward to future years.
by Globalviewer58
Fri Dec 14, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Receiver for klipsch bookcase speakers
Replies: 50
Views: 2769

Re: Receiver for klipsch bookcase speakers

Dottie: The Klipsch specs you copied show Max input power 75 watts. This means each speaker can operate with a Maximum power input of 75 watts. I suggest you search for "100 watt stereo receiver with Bluetooth". This will provide all the power you need to listen to music at home. You could search fo...
by Globalviewer58
Thu Dec 13, 2018 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: New job, sales at Subaru
Replies: 72
Views: 10253

Re: New job, sales at Subaru

My favorite sales training video is Glengarry Glen Ross. You will find it on Amazon Prime Video. Here's a synopsis of the story: https://en.wikipedia.org/wiki/Glengarry_Glen_Ross_(film) For sales staff selling a want versus need, I ask if they have ever killed anything to eat - fish, chicken, deer, ...
by Globalviewer58
Sat Dec 08, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: Attic insulation-R30 to R60 worth it?
Replies: 33
Views: 5829

Re: Attic insulation-R30 to R60 worth it?

“Option 2: $1075 from same contractor from #1 to add r19 to entire attic (no air sealing but would seal off baffles and soffits to keep wind out while allowing airflow).” The quote above is of concern. The reason you ventilate the soffit and install baffles is to allow the attic vent system to funct...
by Globalviewer58
Thu Dec 06, 2018 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Configuring withholdings with a large raise and new job
Replies: 2
Views: 285

Re: Configuring withholdings with a large raise and new job

When you begin the new job ask for Form W-4 (2018) and complete. This should give your employer the info to withhold an appropriate level for the balance of 2018 and 2019.
by Globalviewer58
Thu Nov 29, 2018 8:38 pm
Forum: Personal Investments
Topic: My 401k isn't making any money
Replies: 35
Views: 4481

Re: My 401k isn't making any money

Your biggest lever at this point is consistent contributions to capture the employer match and allow your savings to grow tax free over the next 23 years. Equities can go up and down in value so you have to be able to accept this fact. If you want to ensure your capital is preserved you may want to ...
by Globalviewer58
Wed Nov 28, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: Electricity bill should be 7% per month of home sq footage.
Replies: 66
Views: 4502

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

Home Energy Saver is a series of web pages published by US Department of Energy to help homeowners and professionals assess energy use and possible low, moderate and high cost steps to reduce energy use. There is also a guide that allows you to enter your zip code to see typical energy use in your a...
by Globalviewer58
Wed Nov 21, 2018 4:17 pm
Forum: Personal Investments
Topic: Ownership in family business
Replies: 13
Views: 1607

Re: Ownership in family business

Look in the trade publication, Insurance Journal, for past articles on transitioning your business. They cover many of the issues you need to address. Once you have those issues handled you should work with an attorney to establish a Buy/ Sell Agreement so you and your son have explicit documentatio...