Search found 136 matches

by freckles01
Sat Oct 17, 2020 1:23 pm
Forum: Investing - Theory, News & General
Topic: Anybody here trying Coast FIRE?
Replies: 237
Views: 18971

Re: Anybody here trying Coast FIRE?

YES! I"m pushing to transition to barista/coast FIRE hopefully in the next year. My savings rate is high and spending is low which has allowed me to reach my FIRE number early. I turned 50 this year so its not a super early FIRE. Working PT in my current position will give me 5 days off with benefit...
by freckles01
Thu Sep 17, 2020 8:26 pm
Forum: Personal Consumer Issues
Topic: Suggestions on how to spend $300 work exercise equipment credit
Replies: 16
Views: 1290

Re: Suggestions on how to spend $300 work exercise equipment credit

treadmill or bicycle desk!

i kinda want one and looked into them but neither works for my space.
by freckles01
Sun Sep 13, 2020 10:41 am
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 246
Views: 15493

Re: What is your age and asset allocation ?

i am 50 planning to go part time within 2 years. AA is about 70/30 (about 30% in international) across retirement and brokerage accounts, all at vanguard. cash/efund/ibonds- not included rental property/income- not included i finally wrote down an IPS and its telling me i'm holding too much cash. my...
by freckles01
Wed Aug 26, 2020 1:11 pm
Forum: Personal Consumer Issues
Topic: charging an EV
Replies: 250
Views: 15317

Re: charging an EV

I like the idea of reducing pollution so I'm looking at buying an electric vehicle. My main concern is that the small number of charging stations which would limit long-distance trips. Also, having to wait more than 20 min for a full charge is just too much time. Anyone have similar hesitation? Bes...
by freckles01
Thu Aug 13, 2020 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: trustee duties when grantor passes
Replies: 27
Views: 1917

Re: trustee duties when grantor passes

It seems to me the condo is entirely separate from the estate transactions. If you look at the estate alone and sibling A is unhappy with the value of the estate, what is their point? Mom and Dad should have spent less so sibA would get more? If SibA knows about the condo plan, is that the cause of...
by freckles01
Thu Aug 13, 2020 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: trustee duties when grantor passes
Replies: 27
Views: 1917

Re: trustee duties when grantor passes- beneficiary headaches

i'm back due to beneficiary drama some history- 4 siblings in total, sibling A has received $$$ throughout the 30+ years as "loans" including a business loan where our dad served as guarantor. Sibling A defaulted on the business loan and dad paid it off. total is at least 130K+, theres a few other ...
by freckles01
Thu Aug 06, 2020 8:28 pm
Forum: Personal Consumer Issues
Topic: Silk or Satin pillowcase (smoothness important)
Replies: 17
Views: 1171

Re: Silk or Satin pillowcase (smoothness important)

mulberry silk is "supposed" to be the best, smoothest silk. silk pillowcase- good for your face and hair you can also try a silk sleeping cap- there's a couple that run $100 but can get cheaper- good for your hair. maintains hair moisture/natural oils and prevents friction between hair and cotton pi...
by freckles01
Mon Aug 03, 2020 9:57 pm
Forum: Personal Consumer Issues
Topic: Cyclists...where are you getting your masks?
Replies: 65
Views: 5810

Re: Cyclists...where are you getting your masks?

i ride my bike and hike wearing a gaitor. its easier to breathe thru, moisture wicking-keeps me cooler/neck covered and spf protection too! i'm one of those that keeps their mask on all the time- in the car, walking alone because i don't like touching the outside of the mask multiple times to pull t...
by freckles01
Thu Jul 09, 2020 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: h&r block state filing issue- can't change email
Replies: 1
Views: 132

h&r block state filing issue- can't change email

i have an odd issue. doing taxes for a sibling that lives in a different state. purchased the state return with my information and cc. issue- in the interview to verify his resident information, my email defaults in the entry. its grayed out and i cannot change it to his email. not sure if its an is...
by freckles01
Tue Jul 07, 2020 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: small upgrades to rental property?
Replies: 10
Views: 714

Re: small upgrades to rental property?

Here's a question about residential rental property. A tenant in a duplex I own has just requested I put in window screens -- most of the windows don't have them. This is obviously not a needed repair. What are landlords' thoughts about doing this kind of thing? intact window screens are not a "upg...
by freckles01
Sat Jun 27, 2020 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: [thinking about buying a house in LA, wait for RE crash?]
Replies: 72
Views: 5983

Re: [thinking about buying a house in LA, wait for RE crash?]

Hello all, I am in the process of accumulating a decent downpayment on a home. I noticed that the real estate market has been solid during this crisis - and has even gone slightly up. So my question is - should I wait to see how things turn out with the RE market due to COVID, i.e. wait 6-18 months...
by freckles01
Sat Jun 27, 2020 12:22 pm
Forum: Personal Consumer Issues
Topic: Online vendor for sprouted nuts and grains?
Replies: 8
Views: 559

Re: Online vendor for sprouted nuts and grains?

have you checked out azure standard? i have not experimented with sprouted nuts or grains but have purchased 50 pound bags of their organic hard red wheat grain to grind into flour. they have great prices and once a month drop off locations to local coops/groups. checked quickly and organic sprouted...
by freckles01
Sat Apr 18, 2020 11:14 am
Forum: Personal Consumer Issues
Topic: Issues with face masks?
Replies: 92
Views: 6207

Re: Issues with face masks?

Interesting study here about the lack of effectiveness of preventing COVID positive people from spreading the virus wearing cotton and surgical masks: https://www.infectioncontroltoday.com/mask-respirators/surgical-cotton-masks-equally-ineffective-blocking-covid-19-spread-say-investigators Short ve...
by freckles01
Sun Mar 29, 2020 10:54 am
Forum: Personal Consumer Issues
Topic: Stand Mixer
Replies: 59
Views: 3002

Re: Stand Mixer

if you plan on making large batches of cookies, brownies, dough etc then a kitchenaid won't last very long. to make them affordable- they've made them with cheaper parts. check out thefreshloaf.com- under equipment, there is a ton of discussion about models and brands. a vintage kitchenaid, when the...
by freckles01
Thu Feb 13, 2020 7:51 pm
Forum: Investing - Theory, News & General
Topic: Are you a closet market-timer?
Replies: 174
Views: 13897

Re: Are you a closet market-timer?

for taxable account- i used to buy automatically twice a month to total stock and total international market but stopped- can't remember why. i think i was dca'ing and then made a large purchase to negate the twice a month buys. now i buy once a month but i do admit i try to buy when they are runnin...
by freckles01
Thu Feb 13, 2020 7:41 pm
Forum: Personal Consumer Issues
Topic: Tires for older, lower annual mileage cars?
Replies: 55
Views: 2983

Re: Tires for older, lower annual mileage cars?

2009 nissan owner with 30K miles. had to change original tires because they deteriorated from age/uv rays. bought costco Michelins and they are the BEST! i rarely drive but the tires make the ride SOOO much better! i was going to go cheap originally but no regrets spending more to buy quality! they ...
by freckles01
Thu Feb 13, 2020 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: first/final 1041 h&r block program
Replies: 4
Views: 596

Re: first/final 1041 h&r block program

ok, read some more and spoke with the atty. This is a irrevocable intentionally defective grantor trust. I tried taxact for trusts and it much better than h&r's. But per taxact- i could not choose decedents estate and grantor type=it says combination of entity types is invalid. why is that? I can ch...
by freckles01
Sun Feb 09, 2020 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: first/final 1041 h&r block program
Replies: 4
Views: 596

first/final 1041 h&r block program

Hi, I am trustee to my late dad's irrevocable trust, it was created in California, 2018. He passed away July 2019. The irrevocable trust has a TIN number. Under Income tax returns, it states that "this irrevocable trust is a "grantor trust" under the IRC. Any income generated by the Trust assets wil...
by freckles01
Wed Feb 05, 2020 10:18 pm
Forum: Personal Investments
Topic: invest excess rental income into index funds?
Replies: 2
Views: 251

invest excess rental income into index funds?

I've noticed my rental property checking/savings has a growing balance and it should continue to grow modestly but steadily so now thinking hmmm, what to do with this growing cash- invest in more index funds? Rental income covers mortgage, insurance etc. and the growing balance sits at Chase 0% acco...
by freckles01
Thu Jan 23, 2020 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Elderly Aunt Asks for my help
Replies: 16
Views: 2462

Re: Elderly Aunt Asks for my help

With $1349 social security, she nearly qualifies for medi-cal. If she buys supplemental dental insurance she could qualify for full scope medi-cal which will cover her medicare costs and drop her med costs to $1.25 (?) per scrip. Make an telephone appt with SHIP to help navigate medi-cal and medicar...
by freckles01
Sun Nov 17, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Homebuying in Los Angeles - Advice Needed
Replies: 77
Views: 8327

Re: Homebuying in Los Angeles - Advice Needed

everytime i see a post about home buying in LA, i'm so glad i bought when i did because i could not afford it today even in my "hood" but having said that, owning a home is a huge responsibility and can be very stressful- but i remind myself i have to live somewhere and it might as well give me some...
by freckles01
Sun Nov 17, 2019 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: trustee duties when grantor passes
Replies: 27
Views: 1917

Re: trustee duties when grantor passes- beneficiary headaches

i'm back due to beneficiary drama some history- 4 siblings in total, sibling A has received $$$ throughout the 30+ years as "loans" including a business loan where our dad served as guarantor. Sibling A defaulted on the business loan and dad paid it off. total is at least 130K+, theres a few other "...
by freckles01
Sun Nov 17, 2019 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: trustee duties when grantor passes
Replies: 27
Views: 1917

Re: trustee duties when grantor passes

My understanding is that a trust never really "dies," it just reaches a point where there are zero assets (and thus nothing for a trustee to do or for a beneficiary to benefit from). Hopefully one of the experts will confirm. See my signature. To protect yourself as trustee you should obtain final ...
by freckles01
Sun Nov 17, 2019 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: trustee duties when grantor passes
Replies: 27
Views: 1917

Re: trustee duties when grantor passes

Questions- when is the irrevocable trust closed- after disbursement? May sound like a dumb question, but what does the trust document say about disbursement? Does it say "disburse to these individuals equally free of trust" or does it say "set up trusts for these individuals and fund them equally" ...
by freckles01
Thu Aug 01, 2019 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: sharing car with siblings and insurance coverage
Replies: 4
Views: 301

Re: sharing car with siblings and insurance coverage

Normal situation is to add them to your policy. Everyone living at the same address must named on the policy, whether it is your policy or their policy. The only exception is if the other people purchase a policy from the same carrier and the carrier is ok with having two different parties at the s...
by freckles01
Thu Aug 01, 2019 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: sharing car with siblings and insurance coverage
Replies: 4
Views: 301

sharing car with siblings and insurance coverage

I have two adult siblings moving in and considering sharing my car with them. One sibling owns a car. So two cars shared between 3 persons. Siblings are lifetime renters, have/had minimum auto coverage, not great credit and min/no savings/retirement etc. I have a reliable paid off car that is rarely...
by freckles01
Sat Jul 06, 2019 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: trustee duties when grantor passes
Replies: 27
Views: 1917

trustee duties when grantor passes

i am trustee for my dad's (grantor) irrevocable trust. he passed recently. i've notified and sent death certificates (where required) to social security, the state, medicare/supplemental/dental insurances, bank account and utilities. family, friends and beneficiaries were all notified. all funeral/b...
by freckles01
Mon May 13, 2019 5:27 pm
Forum: Personal Investments
Topic: Vanguard Cost Basis View
Replies: 9
Views: 1087

Re: Vanguard Cost Basis View

yup, that happened to me today too!

i logged this afternoon to tlh and buy some more but figured the site was too busy-rbd? i tried going an alternative route and got a message- if selling, it would execute as fifo vs spec id unless i called directly.
by freckles01
Thu May 02, 2019 1:41 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 284
Views: 37395

Re: What is your AA, given your age? and, Why?

I'm 49, my AA is currently 70/30 and plan to eventually go to 60/40 at some point. I was nearly 100% stocks from about 2001-2010- mostly from ignorance. After finding bogleheads- I gradually went to 70/30 over the last decade (?) by purchasing only bonds in my 401k Will have a pension of some sort- ...
by freckles01
Wed Apr 10, 2019 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: tlh 12/24 but automatic investment bought same sold funds 12/31!
Replies: 20
Views: 1214

Re: tlh 12/24 but automatic investment bought same sold funds 12/31!

i used the H&R block program which loaded everything and documented the wash sales on schedule E, whew!

wash sales aren't as scary as i thought :shock:
by freckles01
Wed Apr 10, 2019 12:07 pm
Forum: Personal Consumer Issues
Topic: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...
Replies: 72
Views: 9748

Re: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...

a family member bought a used mazda cx-7 with turbo- it was 3-4 years old and had less than 40 thousand miles with all the extras. the turbo exploded while driving on the freeway, had to get it towed and repaired/replaced for thousands of dollars. this model isn't made anymore. it was a known issue ...
by freckles01
Mon Apr 01, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: tlh 12/24 but automatic investment bought same sold funds 12/31!
Replies: 20
Views: 1214

Re: tlh 12/24 but automatic investment bought same sold funds 12/31!

How else did you expect it to be handled? I sold on 12/24 and repurchased :oops: 1/31 it created a wash sale but why does it flag the lot from VTIAX 4/1/13 but not 4/8/13 then? and VTAX? I thought if I sold and bought within 30 days before and after plus 1 day, wash sale would be from the latest(mo...
by freckles01
Sun Mar 31, 2019 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: tlh 12/24 but automatic investment bought same sold funds 12/31!
Replies: 20
Views: 1214

Re: tlh 12/24 but automatic investment bought same sold funds 12/31!

OK, figured out how to crop images better and added the images back! I had a automatic purchase of the same two funds on 12/31= wash sale? I don't understand why in VTIAX- lot from 4/1/13 is a wash sale and why VTSAX- 3 lots from 2017 are also flagged as a wash sale. https://drive.google.com/uc?expo...
by freckles01
Sun Mar 31, 2019 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: tlh 12/24 but automatic investment bought same sold funds 12/31!
Replies: 20
Views: 1214

first 12/24 TLH=wash sale but why lots from 2013?

I posted about my first attempt at TLH posted here- https://www.bogleheads.org/forum/viewtopic.php?f=1&t=268456 TLH'd on 12/24 but automatic purchase rebought two of just sold index funds on 12/31, I ended up selling all 12/31 shares on 1/03 and none since. Getting ready to file taxes and I understa...
by freckles01
Mon Jan 14, 2019 9:09 pm
Forum: Personal Investments
Topic: TLH a la max12377 style with self directed 401k
Replies: 10
Views: 435

TLH a la max12377 style with self directed 401k

i TLH'd (first time!) at the end of 2018 and promptly committed a series of classic rookie blunders :oops: ( automatic purchase plus a stupid sell/buy/sell in another taxable acct, dividend in 401k) that resulted in partial wash sales... oh well, now i get to learn how to claim it all. moving forwar...
by freckles01
Wed Jan 02, 2019 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: tlh 12/24 but automatic investment bought same sold funds 12/31!
Replies: 20
Views: 1214

Re: tlh 12/24 but automatic investment bought same sold funds 12/31!

livesoft wrote: Wed Jan 02, 2019 2:30 pm So you turned off the end of January purchases, right? It is trivial at Vanguard to skip one or more future automated purchases without changing all the other future ones.
i deleted the whole automatic investing request! back to post it reminders on all over my computer :happy
by freckles01
Wed Jan 02, 2019 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: tlh 12/24 but automatic investment bought same sold funds 12/31!
Replies: 20
Views: 1214

Re: tlh 12/24 but automatic investment bought same sold funds 12/31!

yay! thank you for the quick replies and happy new year!!!!

just finished exchanging the 12/31 purchase! whew :sharebeer
by freckles01
Wed Jan 02, 2019 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: tlh 12/24 but automatic investment bought same sold funds 12/31!
Replies: 20
Views: 1214

Re: tlh 12/24 but automatic investment bought same sold funds 12/31!

livesoft wrote: Wed Jan 02, 2019 2:03 pm
freckles01 wrote: Wed Jan 02, 2019 1:54 pmso if i sell the 12/31 purchase which is in the red (losing) today it will reset the 30 days? am i understanding it correctly?
I don't know what you mean by "reset"
wait 30 plus 1 day before buying back into VTIAX and VTSAX from today?
by freckles01
Wed Jan 02, 2019 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: tlh 12/24 but automatic investment bought same sold funds 12/31!
Replies: 20
Views: 1214

Re: tlh 12/24 but automatic investment bought same sold funds 12/31!

Yeah, sounds like it's a wash. Probably a partial not total wash, if the purchase amount was less than the sale amount. It's not a disaster. The cost basis on your new shares has been automatically adjusted so that if you sell them now, you'll deduct the same loss. You could sell them now but it wi...
by freckles01
Wed Jan 02, 2019 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: tlh 12/24 but automatic investment bought same sold funds 12/31!
Replies: 20
Views: 1214

Re: tlh 12/24 but automatic investment bought same sold funds 12/31!

livesoft wrote: Wed Jan 02, 2019 1:33 pm Your problem is solved in this post:
viewtopic.php?p=4293928#p4293928
so if i sell the 12/31 purchase which is in the red (losing) today it will reset the 30 days? am i understanding it correctly?
by freckles01
Wed Jan 02, 2019 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: tlh 12/24 but automatic investment bought same sold funds 12/31!
Replies: 20
Views: 1214

tlh 12/24 but automatic investment bought same sold funds 12/31!

i tlh'd 12/24 from VTIAX, VTSAX,VFWAX,and VLCAX into VFIAX and VTMGX with the plan to go back to VTIAX and VTSAX in the future. when i sold the lots vanguard noted i couldn't buy back the same funds for 30 days which was fine with me. i thought i stopped automatic purchases but i guess i didn't :oop...
by freckles01
Wed Oct 31, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: Am I Risking My Life to Sell My Car?
Replies: 37
Views: 5135

Re: Am I Risking My Life to Sell My Car?

buy a used tire- safe and cheap.

your tire guy should have a decent used one to swap out for around $20- that's the going rate in my neighborhood.
by freckles01
Sun Oct 28, 2018 10:03 pm
Forum: Personal Investments
Topic: tax loss harvest covered(long term) losses
Replies: 1
Views: 357

tax loss harvest covered(long term) losses

I have long term (covered shares) losses from 2013, 2015 and 2017 because I've never TLH'd before. I've been reading about tlh for months but haven't tried yet.... but now is the time! Most of the TLH topics to focus on short term losses but for peeps like me who've never TLH'd, is there something e...
by freckles01
Tue Oct 09, 2018 9:11 pm
Forum: Personal Investments
Topic: tlh vfwax to vtiax if both have losses? min to tlh?
Replies: 6
Views: 556

Re: tlh vfwax to vtiax if both have losses? min to tlh?

What is your rationale for buying replacement funds in advance of tax-loss harvesting? I don't understand. I suspect it is to meet the initial minimum purchase for Admiral shares. For example, without a position in VFWAX one wants to sell the most recently purchased shares of VTIAX that now have lo...
by freckles01
Tue Oct 09, 2018 3:20 pm
Forum: Personal Investments
Topic: tlh vfwax to vtiax if both have losses? min to tlh?
Replies: 6
Views: 556

tlh vfwax to vtiax if both have losses? min to tlh?

i haven't tlh yet but bought VFWAX for VTIAX and VLCAX for VTSAX in preparation. both sets- VFWAX / VLCAX and VTIAX /VTSAX are set up for automatic purchase 1x month about 2 weeks apart. i hadn't considered how to tlh if both similar funds have losses but did read livesoft's response to recent tlf f...
by freckles01
Mon Sep 03, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: German B&M Non-Blinking vs. Blinking Bike Tail Lights
Replies: 20
Views: 1522

Re: German B&M Non-Blinking vs. Blinking Bike Tail Lights

my bicycle came with a dynamo front and rear lights installed- they are solid non blinking, the rear is moderately bright but the front light is not bright. i added (rechargeable) front and rear lights that blinks. i ride in the city on main and residential streets during the day and night. main str...
by freckles01
Sat Aug 04, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 128
Views: 10668

Re: Minivan Vs SUV Experience

Key word being perception. SUVs make no sense (to me), for almost every situation; the most confusing being these "sporty" sport utility vehicles. They're essentially useless off the pavement, don't perform close to as well as an actual sports car, and often have little utilitarian value (their abi...
by freckles01
Wed Jul 25, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: big plastic storage containers for pantry
Replies: 10
Views: 912

Re: big plastic storage containers for pantry

if you want specific sizes- go to a restaurant supply house and look for polycarbonate food storage containers, they come in all sizes, square or round, clear and opaque and are very reasonably priced. or find/buy round 5 gallon buckets and buy gamma seal lids. good for long term storage and easy ac...
by freckles01
Tue Jul 10, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Masterbath Remodel - Tub or No Tub ?
Replies: 57
Views: 5600

Re: Masterbath Remodel - Tub or No Tub ?

Most modern bathrooms are designed for the convenience of the builder/plumber. I'm sure I've posted about this in another bathroom thread but if you're doing a complete remodel DO consider a Japanese bathroom design and Alexander Kira- The Bathroom. Toilet is kept in a separate enclosed room, consid...
by freckles01
Mon Jun 11, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 158
Views: 27673

Re: Documentaries to recommend?

+1 for jiro dreams of sushi, forks over knives, cowspiracy and searching for sugarman- this one made me happy cry! I love documentaries! it totally killed any desire for "retail" therapy, changed my relationship to food( production, waste, consumption), the environment, politics.... There are so man...