Search found 243 matches

by euroswiss
Fri Nov 24, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: Which model treadmill to buy
Replies: 18
Views: 2432

Re: Which model treadmill to buy

Are you serious runners? If so, find a used commercial treadmill. Try Craigslist. Pre-owned equipment shops. I found a Precor 964i for $150 on Craigslist. Another $100 to have movers put it in our basement. Unless you have a high budget, most "home" treadmills won't stand up to high mileage/long ru...
by euroswiss
Fri Nov 24, 2017 10:17 am
Forum: Investing - Theory, News & General
Topic: International Bonds
Replies: 34
Views: 7135

Re: International Bonds

I have an experiment to report on international bonds that I started somewhere in the early/mid 90-ies. One of the top funds (according to Morningstar) in the category at that time was Scudder Intl. Bond. I bought a small lot of shares and let it rip (with dividend re-invested) until just last month...
by euroswiss
Thu Nov 23, 2017 10:27 am
Forum: Investing - Theory, News & General
Topic: Transferring to Vanguard
Replies: 14
Views: 2231

Re: Transferring to Vanguard

Earl, I looked hard at ME before I made this move, the thing for me is I recently had a major health issue and I'm trying to consolidate all my accounts to make things easier for my wife in the event I don't improve. My wife has an account at Putnam as well and I have my largest account at New York...
by euroswiss
Thu Nov 23, 2017 10:22 am
Forum: Personal Investments
Topic: 5 year roth
Replies: 3
Views: 796

Re: 5 year roth

Boglerules wrote:
Wed Nov 22, 2017 5:27 pm
figured it out myself thanks anyways lol
what was the answer?
by euroswiss
Wed Nov 22, 2017 6:53 pm
Forum: Personal Consumer Issues
Topic: How difficult and expensive to add a new bathroom?
Replies: 34
Views: 3598

Re: How difficult and expensive to add a new bathroom?

Lots of good advice already - I'll just chime in with another thought: 1500 sqft is actually quite large for a 3 bedroom house (in my area, most are 1100-1200 and I have seen some that were under 1000. Therefore, depending on the floor plan, you may well not need to add onto the existing envelope. M...
by euroswiss
Wed Nov 22, 2017 9:52 am
Forum: Personal Investments
Topic: Transfer to a Vanguard Brokerage account?
Replies: 11
Views: 1256

Re: Transfer to a Vanguard Brokerage account?

Not sure what they are trying to market here? I have opened many a brokerage account at several firms and never paid anything. In fact, depending on the amount you transfer, you should ask for incentives so that they pay YOU to transfer your assets to them. Most firms will offer such incentives (tho...
by euroswiss
Tue Nov 21, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Honda CR-V vs Subaru Outback
Replies: 24
Views: 5189

Re: Honda CR-V vs Subaru Outback

I have had my 2018 Outback for almost two months and I absolutely love it. It took me three years to finally pull the trigger and I'm glad I did. I haven't taken it on any long trips yet, but I've done approximately 2 hour stretches with no issues (and I have back issues in general). I have the 201...
by euroswiss
Tue Nov 21, 2017 2:47 pm
Forum: Personal Investments
Topic: what should I change??
Replies: 13
Views: 1685

Re: what should I change??

One more thing: if you are seriously considering real estate, check out www.biggerpockets.com
It's a free website with a discussion forum and a huge amount of info for beginners, advanced, and experts.
They have a podcast and many other learning tools too.
by euroswiss
Tue Nov 21, 2017 10:31 am
Forum: Personal Investments
Topic: what should I change??
Replies: 13
Views: 1685

Re: what should I change??

Thanks for all the reply. I have updated more info in my original post. I have a few follow up questions: 1. Assuming I buy a rental property, is it important that its cash flow positive (or neutral from day 1)? In CA where I live, that is not the case unless I put down 30%. That seems excessive. O...
by euroswiss
Mon Nov 20, 2017 10:03 am
Forum: Personal Investments
Topic: what should I change??
Replies: 13
Views: 1685

Re: what should I change??

[/quote] I have just two general comments. 1) Rental property is not just an investment, it is a job. Rental property requires time spent in management, screening tenants, repairs and maintenance. Don't do rental property unless you have the time, skills, and inclination to do that job. [/quote] I s...
by euroswiss
Sun Nov 19, 2017 4:19 pm
Forum: Investing - Theory, News & General
Topic: Invest using my State's college plan or Another?
Replies: 7
Views: 669

Re: Invest using my State's college plan or Another?

Depends on how much you are planning on putting toward a 529, but you COULD consider splitting the difference, if relatively large sums are involved. There is no limit on how many 529s you (or the beneficiary) can have. So, pick the in-state one to reap the maximum tax and incentive benefits, and th...
by euroswiss
Sun Nov 19, 2017 4:08 pm
Forum: Personal Investments
Topic: Fidelity vs Vanguard for Rollover IRA
Replies: 6
Views: 1253

Re: Fidelity vs Vanguard for Rollover IRA

Fellow Bogleheads, I'm approaching retirement relatively soon and don't want to wait to the last minute to make key decisions. One decision being choice of investment house. DW already has Rollover IRA with Fido, while I currently have 403b with Vanguard. I am leaning towards consolidation at Fidel...
by euroswiss
Sat Nov 18, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Renting a car from Atlanta GA to Austin TX: $$$
Replies: 33
Views: 2177

Re: Renting a car from Atlanta GA to Austin TX: $$$

[quote=Watty post_id=3623265 time=1510973586 user_id=3687 If possible you might reverse your trip and start in Austin and end in Atlanta. I might be a lot less expensive going that way. In the fall and spring there are often one way rental car specials to or from Florida for a couple of dollars a da...
by euroswiss
Fri Nov 17, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: Renting a car from Atlanta GA to Austin TX: $$$
Replies: 33
Views: 2177

Re: Renting a car from Atlanta GA to Austin TX: $$$

[/quote] Atlanta isn't that far from Austin, and you're going to kill two days flying anyway, so this would be a case to just drive. If you'd said a one-week trip that would be one thing but three weeks? No choice but to drive the round trip, it's the better choice in so many ways. [/quote] Agreed, ...
by euroswiss
Mon Nov 13, 2017 9:38 am
Forum: Personal Investments
Topic: Help with daughters first investments
Replies: 12
Views: 1025

Re: Help with daughters first investments

[/quote] Does she get a W-2 with income in Box 1? She needs that to contribute to a tIRA or Roth. It's been almost 50 years, but I don't think my RA salary was taxable income? I've no idea if the rules have changed since then. JW [/quote] Definitely check this out. It’s not been quite that long for ...
by euroswiss
Sun Nov 12, 2017 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: $30K loan for 12 months
Replies: 24
Views: 2543

Re: $30K loan for 12 months

If you have any investments in taxable brokerage accounts, you can apply for a margin credit line

https://www.fidelity.com/customer-servi ... ur-account
by euroswiss
Sun Nov 12, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab/Fidelity vs BoA Gold: Checking
Replies: 41
Views: 5451

Re: Schwab/Fidelity vs BoA Gold: Checking

The Fidelity ATM/Debit card has a 1% foreign transaction fee on ATM withdrawals: Please note, there is a foreign transaction fee of one percent that is not waived , which will be included in the amount charged to your account This misconception is due to: 1) The poor/unclear wording on their site. ...
by euroswiss
Sun Nov 12, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: What Credit Card is good for me?
Replies: 19
Views: 2017

Re: What Credit Card is good for me?

The Citi Doublecash card is 2% (1% when you purchase, another 1% when you pay the bill). I like it better than Fidelity because that card, unless it's changed recently, you can only redeem into Fidelity investment accounts. With the Citi I just do a direct deposit into my checking account. There is...
by euroswiss
Sat Nov 11, 2017 12:46 pm
Forum: Personal Investments
Topic: Risk of all eggs in one (brokerage) basket
Replies: 14
Views: 2291

Re: Risk of all eggs in one (brokerage) basket

There are a lot of past threads on this. One recently. Google "one brokerage" or "multiple brokerages" and so forth in the upper right search window. https://www.bogleheads.org/forum/viewtopic.php?t=175868 j :D Thanks for the link - and sorry: I should have searched better. Mods: feel free to close...
by euroswiss
Sat Nov 11, 2017 10:42 am
Forum: Personal Investments
Topic: Risk of all eggs in one (brokerage) basket
Replies: 14
Views: 2291

Risk of all eggs in one (brokerage) basket

I’m in the process of consolidating my assets in order to simplify. As probably many folks here do, DW and I have our accounts spread out over a significant number of places. Retirement accounts at several companies for both of us, a couple of brokerage places, several banks, etc. etc. obviously, th...
by euroswiss
Fri Nov 10, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 94
Views: 11988

Re: What backup service to use?

I am currently backing up my Mac with an external HD, but would like to find another backup mechanism. What backup service do you use and why? Is iCloud a good backup?Thanks. What don’t you like about using Timemachine to back up to an external hard drive? Are you concerned about having the origina...
by euroswiss
Fri Nov 10, 2017 9:55 am
Forum: Personal Investments
Topic: What can go wrong with multi family syndications?
Replies: 33
Views: 5863

Re: What can go wrong with multi family syndications?

Follow the iFunding.co story. Has not played out completely yet, but good luck with recovering anything if you were invested in one of the most affected deals. https://www.crowdfundinsider.com/2017/08/120678-end-line-ifunding-real-estate-crowdfunding-site-may-done/ Note, I’m not knocking these compa...
by euroswiss
Thu Nov 09, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone own a home and drop insurance coverage after mortgage paid off?
Replies: 61
Views: 7301

Re: Anyone own a home and drop insurance coverage after mortgage paid off?

If you have a $100,000 injury on your property, the insurance company is going to do everything in its power to make sure they pay not a penny more than $100,000–sometimes even less. What if by “doing it on your own” you get hit for $125,000? Penny wise, dollar foolish IMO. What if by doing it on y...
by euroswiss
Thu Nov 09, 2017 11:54 am
Forum: Personal Investments
Topic: What can go wrong with multi family syndications?
Replies: 33
Views: 5863

Re: What can go wrong with multi family syndications?

Those returns are not unreasonable for these types of deals. They are real. BUT: the reason why they pay out those rates is that they are much more risky than a CD, a treasury, a Blue Chip, or even a small Cap stock. They can and do default (i.e. you can easily lose ALL of your investment) at a reas...
by euroswiss
Thu Nov 09, 2017 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Anyone own a home and drop insurance coverage after mortgage paid off?
Replies: 61
Views: 7301

Re: Anyone own a home and drop insurance coverage after mortgage paid off?

If you have a $100,000 injury on your property, the insurance company is going to do everything in its power to make sure they pay not a penny more than $100,000–sometimes even less. What if by “doing it on your own” you get hit for $125,000? Penny wise, dollar foolish IMO. What if by doing it on y...
by euroswiss
Thu Nov 09, 2017 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Anyone own a home and drop insurance coverage after mortgage paid off?
Replies: 61
Views: 7301

Re: Anyone own a home and drop insurance coverage after mortgage paid off?

So I guess what's important to note is that we are fairly sure we will do a major remodel/demo in the next handful of years. So if the place burns down then oh well, we'll accelerate the timeline. As for liability, people mention that and I guess I kinda agree. But I have my doubts as to how reason...
by euroswiss
Thu Nov 09, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Anyone own a home and drop insurance coverage after mortgage paid off?
Replies: 61
Views: 7301

Re: Anyone own a home and drop insurance coverage after mortgage paid off?

Homeowners insurance also includes liability insurance. This is a key point here. If you have any sort of umbrella liability policy, then you have to maintain the liability portion of the individual homeowner’s policy as well. Other than that, I would seriously consider self-insuring - I have some ...
by euroswiss
Wed Nov 08, 2017 6:42 pm
Forum: Personal Investments
Topic: When to use a non-qualified deferred compensation plan
Replies: 9
Views: 1450

Re: When to use a non-qualified deferred compensation plan

I’ll disagree with most of the other posts. I had a similar deferred compensation scenario (though my company is a true megacorp, so risk of loss is pretty low). I retired early a couple of years ago and I’m now spreading out the deferred compensation over 12 years as my main income. Works out well ...
by euroswiss
Wed Nov 08, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: Cable switching thought exercise
Replies: 15
Views: 1256

Re: Cable switching thought exercise

I doubt you need to play these games. At least I know you don't need to if your referring to Comcast. You call and ask to cancel your service after the promo period ends because of price. You insist on getting the deal their website shows for new subscribers. You deny them 2X when they come back wi...
by euroswiss
Wed Nov 08, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: Cable switching thought exercise
Replies: 15
Views: 1256

Re: Cable switching thought exercise

I have not attempted this but was wondering if anyone has done this or tried to, and if so, how did it work: Cable company X offers sweet deal on TV/internet for 2 years of fixed rate (+/- free HBO, etc.) and i sign up under Spouse A's name. after 2 years, the rate typically will go up. The family ...
by euroswiss
Wed Nov 08, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Policy Statement (RPS) -- Is anyone else using one?
Replies: 25
Views: 4039

Re: Retirement Policy Statement (RPS) -- Is anyone else using one?

I think this is a great idea, but my guess is that few will want to invest the time to populate a document that detailed. I know, I'm not - I'm looking for something significantly simpler. That said, you are clearly a "process guy" and have the energy to pull this off. It will be valuable once compl...
by euroswiss
Tue Nov 07, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insruance Payment
Replies: 29
Views: 2367

Re: Auto Insruance Payment

My insurance is with State Farm. The bill comes semi-annually. There is no obvious option for credit card payment. I call my agent, and I can pay with my credit card through the agent. So, I get my credit card rebate. I pay the entire 6-month premium. That’s odd - I always pay with credit card thro...
by euroswiss
Tue Nov 07, 2017 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Donor advised fund at Vanguard or elsewhere?
Replies: 49
Views: 6006

Re: Donor advised fund at Vanguard or elsewhere?

Looks like most comments are about Fido daf. I’m sure it is a solid choice, but for the sake of completeness, and since OP asked about it: I have a DAF with Schwab for many years, and have been very happy with it. Low minimum and low minimum awards
by euroswiss
Tue Nov 07, 2017 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: 529 plan questions
Replies: 20
Views: 2216

Re: 529 plan questions

... not just grandkids - possible beneficiaries could be part of wider family too (nieces and nephews)
by euroswiss
Tue Nov 07, 2017 2:23 pm
Forum: Personal Consumer Issues
Topic: PayPal Mastercard decline due to freeze
Replies: 20
Views: 1953

Re: PayPal Mastercard decline due to freeze

Paypal and Synchrony...... You might as well say "Darth Sith and Megatron". Both horrible companies. What's the gripe with Synchrony? Personally I have found Synchrony customer service to be superior to other banks. One Recent Example: - I have CDs at Synchrony - I called and arranged to have them ...
by euroswiss
Tue Nov 07, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: Fair Price for a Kitchen Remodel
Replies: 37
Views: 5228

Re: Fair Price for a Kitchen Remodel

Unless your house is worth 2+ million, this is way too much money to spend - even in San Diego. Remember, all you'll have is new cabinets and counter tops. This isn't nearly what I would call a full kitchen remodel, that might justify this type of expense. You can build some very fine houses from sc...
by euroswiss
Tue Nov 07, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 5936

Re: I Cut the Cord yesterday!

Call your internet provider when your promo rates expire. Go straight into the line to cancel your service, and have a good idea what they are offering new customers. Thats about 500$ / year for us in better prices. Be prepared for them to call your bluff though. I have found that it is pretty comm...
by euroswiss
Tue Nov 07, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 5936

Re: I Cut the Cord yesterday!

soccerdad12 wrote:
Mon Nov 06, 2017 11:46 am
The cable companies must be in trouble and I wonder if they are going to start raising the price of internet services?
you can count on that! In the end, the piper has to paid somehow...
by euroswiss
Tue Nov 07, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Best strategy for selling cell phone on Ebay?
Replies: 33
Views: 2595

Re: Best strategy for selling cell phone on Ebay?

+1 for Swappa - I have sold two phones for quite reasonable prices. Craigslist can work too but you do have to watch for shady characters
by euroswiss
Tue Nov 07, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: PayPal Mastercard decline due to freeze
Replies: 20
Views: 1953

Re: PayPal Mastercard decline due to freeze

Exactly the same thing happened to me recently but with an Amazon card (also issued by Synchrony). My plan was to call Amazon and see what they can do, but I haven’t taken the action yet (I don’t need the card that badly, so not THAT motivated). I’ll share what I learn
by euroswiss
Tue Nov 07, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Should I terminate my rental contract early and face a penalty of 8k?
Replies: 9
Views: 967

Re: Should I terminate my rental contract early and face a penalty of 8k?

Just move and suck up the 8k. Don’t expect your landlord to pick up the tab for your ( bad) decision to renew for a whole year back last Spring. It’s definitely not his fault.
by euroswiss
Tue Nov 07, 2017 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Any Big Fidelity Brokerage Bonuses?
Replies: 7
Views: 1659

Re: Any Big Fidelity Brokerage Bonuses?

Update: just heard from Fidelity that their cash incentives are back ($2500 for $1000000 Transfer going up to $5000 for 5 mil)

https://rewards.fidelity.com/offers/cashdepositbonus
by euroswiss
Fri Nov 03, 2017 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Should I decline Grand Prize trip because of taxes on winnings?
Replies: 114
Views: 16248

Re: Should I decline Grand Prize trip because of taxes on winnings?

[quote=ldebhaar post_id=3601584 time=1509713332 user_id I think you have your answer right there. But I think going to a warm place in January and playing a couple of famous courses would be worth at least 2 or 3k to me. Is lodging and air fare covered? If your husband is okay with it, consider tak...
by euroswiss
Wed Nov 01, 2017 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Any Big Fidelity Brokerage Bonuses?
Replies: 7
Views: 1659

Re: Any Big Fidelity Brokerage Bonuses?

You can get a pile of free trades from Fido, but that is about all at the moment
And yes, Schwab still has some cash offers
by euroswiss
Wed Nov 01, 2017 10:09 am
Forum: Personal Consumer Issues
Topic: Use Time Warner for home phone vs ATT
Replies: 9
Views: 1150

Re: Use Time Warner for home phone vs ATT

Are you sure you have a true landline through ATT? If you have a DSL/phone bundle with them, chances are high that they switched you to VOIP. I just talked to an ATT technician yesterday ( performing my once-a-year provider switch from Spectrum back to ATT U-verse and I asked him about “true landlin...
by euroswiss
Wed Nov 01, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: Electric fireplace
Replies: 13
Views: 1742

Re: Electric fireplace

Seems to me it would be much cheaper to just put a video of a fireplace on your television than to invest in an expensive piece of metal and plastic that produces a terrible replica of the real thing while sucking more money from your wallet. Hmm. I tend to agree, but I’m interested in other opinio...
by euroswiss
Tue Oct 31, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Delayed compensation benefits?
Replies: 14
Views: 1400

Re: Delayed compensation benefits?

I had a large amount of deferred compensation, thinking I would retire from the company I was working for. I didn't and taxes were horrendous. No one counseled me about the possibilities - you are way ahead to consider the various scenarios. Yes, that is a significant risk and needs to be considere...
by euroswiss
Tue Oct 31, 2017 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Delayed compensation benefits?
Replies: 14
Views: 1400

Re: Delayed compensation benefits?

You should look into the issue of when FICA taxes are paid on unqualified deferred compensation. I believe that FICA taxes on deferred amounts can be due before you actually receive the money. I believe that FICA taxes are due either when you earn the compensation or when it is vested such that you...
by euroswiss
Mon Oct 30, 2017 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Delayed compensation benefits?
Replies: 14
Views: 1400

Re: Delayed compensation benefits?

If you can really only defer 5 years, then the benefits are likely small. Most plans will allow "re-deferment" basically until you retire or leave the company. THAT is more interesting because it allows you to defer taxes until you are, potentially, in a lower tax bracket. Most plans will also allow...
by euroswiss
Mon Oct 30, 2017 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Keep current home for rental or sale
Replies: 4
Views: 524

Re: Keep current home for rental or sale

Just from the numbers you provided, I don’t think renting it out would be your best move. The return is too small relative to the value of the asset. Also, how solid is your rent estimate, and have you accounted for CapEx, maintenance, vacancy cost, tenant turnover, etc.? Finally, in some parts of t...