Search found 741 matches

by Mrxyz
Mon Sep 02, 2019 6:18 pm
Forum: Personal Consumer Issues
Topic: Water alarm just saved me a lot of $$$. Do you have them?
Replies: 62
Views: 7427

Re: Water alarm just saved me a lot of $$$. Do you have them?

stats99 wrote: Mon Sep 02, 2019 6:08 pm After a burst basement water pipe I have installed the following: https://www.moen.com/flo/how-it-works
Wow, how exactly does it work?
I guess the price is a little high but nothing compared to how much money it can save AND that it can shut off water supply remotely!
by Mrxyz
Sun Aug 11, 2019 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: NP degree worth the investment?
Replies: 62
Views: 6078

Re: NP degree worth the investment?

Definitely worth it.... You may want to read this article.. https://www.medscape.com/slideshow/2018-aprn-compensation-report-6010997 BTW, they do not like to be called "mid-level provider". Also many have PhD and wear badges which say "doctor" (but not "physician"). Qui...
by Mrxyz
Sat Aug 10, 2019 11:39 am
Forum: Personal Consumer Issues
Topic: Where did my doctor go?
Replies: 41
Views: 3933

Re: Where did my doctor go?

It is already used but of course, not mainstream yet.
https://en.wikipedia.org/wiki/Remote_surgery
by Mrxyz
Sat Jun 29, 2019 6:42 am
Forum: Personal Consumer Issues
Topic: Trex decking or alternatives?
Replies: 44
Views: 5527

Re: Trex decking or alternatives?

Hi all, I am in the same position of which decking material to use and how much to pay. The approximately 350 sq. feet deck with 5 step stair, has to be replaced completely. Pressure treated lumber = $10,000 Trex = $14,000 Azec = $22,000 Envision decking with fortress rail = $19,000 I find the deci...
by Mrxyz
Fri Jun 28, 2019 10:15 am
Forum: Personal Consumer Issues
Topic: Trex decking or alternatives?
Replies: 44
Views: 5527

Re: Trex decking or alternatives?

Hi all, I am in the same position of which decking material to use and how much to pay. The approximately 350 sq. feet deck with 5 step stair, has to be replaced completely. Pressure treated lumber = $10,000 Trex = $14,000 Azec = $22,000 Envision decking with fortress rail = $19,000 I find the decis...
by Mrxyz
Wed May 29, 2019 5:46 am
Forum: Investing - Theory, News & General
Topic: How can I check my portfolio as little as possible?
Replies: 69
Views: 3804

Re: How can I check my portfolio as little as possible?

Portfolio? What portfolio??


Almost everything is automated and so there is no need to check................
by Mrxyz
Fri Apr 26, 2019 6:07 pm
Forum: Personal Investments
Topic: Gambling with "fun money" (Penny stocks, other ideas?)
Replies: 43
Views: 3970

Re: Gambling with "fun money" (Penny stocks, other ideas?)

Yup, wrong forum! :happy
But feel free to donate by clicking the "Support this Site" in the banner above and help out our forum!
Thanks
by Mrxyz
Thu Mar 28, 2019 8:33 am
Forum: Personal Investments
Topic: Beginning high earner in CA
Replies: 24
Views: 3611

Re: Beginning high earner in CA

After everything is said and done, please consider supporting this wonderful site.
See the "Support this Site" just below the Bogleheads.org banner.
Thanks
by Mrxyz
Fri Mar 15, 2019 2:36 am
Forum: Personal Consumer Issues
Topic: Teen got into auto accident, fight ticket or pay fine?
Replies: 79
Views: 5181

Re: Teen got into auto accident, fight ticket or pay fine?

$100 tickets went the way of the dodo bird in California. Run a red light and its $500+. This ticket could be for anything from inattentive driving (texting) to reckless driving resulting in property damage. Key info is missing. Description of the accident - My son was at a road crossing coming fro...
by Mrxyz
Fri Mar 15, 2019 1:26 am
Forum: Personal Consumer Issues
Topic: Teen got into auto accident, fight ticket or pay fine?
Replies: 79
Views: 5181

Re: Teen got into auto accident, fight ticket or pay fine?

Contact the police officer who wrote the ticket. I would have you son do this. It is a simple phone call to the police station. Most likely you will need to leave a message and have the officer return your call. Ask the officer is you could plead to a lesser charge to remove the moving violation fr...
by Mrxyz
Fri Mar 15, 2019 1:24 am
Forum: Personal Consumer Issues
Topic: Teen got into auto accident, fight ticket or pay fine?
Replies: 79
Views: 5181

Re: Teen got into auto accident, fight ticket or pay fine?

$100 tickets went the way of the dodo bird in California. Run a red light and its $500+. This ticket could be for anything from inattentive driving (texting) to reckless driving resulting in property damage. Key info is missing. My son was at a road crossing coming from a smaller lane to a larger r...
by Mrxyz
Fri Mar 15, 2019 1:17 am
Forum: Personal Consumer Issues
Topic: Teen got into auto accident, fight ticket or pay fine?
Replies: 79
Views: 5181

Re: Teen got into auto accident, fight ticket or pay fine?

He got a moving violation which can be paid or we can fight it. Judges (and prosecutors) are interesting folks. If your son accepts responsibility for what he did a judge and prosecutor can make it a learning experience. If he really wants to "fight it" in the vein of "I refute the a...
by Mrxyz
Fri Mar 15, 2019 1:15 am
Forum: Personal Consumer Issues
Topic: Teen got into auto accident, fight ticket or pay fine?
Replies: 79
Views: 5181

Re: Teen got into auto accident, fight ticket or pay fine?

It sounds like it's hard to predict what will happen in traffic court. I was in Arlington Virginia traffic court many years ago to testify in an accident case. Before the proceedings began there was an announcement to the effect, "If you're here to contest a ticket, you're unlikely to win, and...
by Mrxyz
Fri Mar 15, 2019 1:12 am
Forum: Personal Consumer Issues
Topic: Teen got into auto accident, fight ticket or pay fine?
Replies: 79
Views: 5181

Re: Teen got into auto accident, fight ticket or pay fine?

I would have him show up in court and plead guilty while standing in front of the judge. Make him wear at least a tie. He will learn a lot from this. As others have said, he will probably be allowed to take a driving class of some sort. My son around that age got a ticket for driving well over the ...
by Mrxyz
Fri Mar 15, 2019 1:09 am
Forum: Personal Consumer Issues
Topic: Teen got into auto accident, fight ticket or pay fine?
Replies: 79
Views: 5181

Re: Teen got into auto accident, fight ticket or pay fine?

If he did not commit the infraction, you could fight it. If he did, have your teen take the class so it stays off insurance. Pay whatever the municipality requires. The class might be the easiest route either way. JT Yes, I am not sure how he can take a class or whether I need to go to court first ...
by Mrxyz
Fri Mar 15, 2019 1:07 am
Forum: Personal Consumer Issues
Topic: Teen got into auto accident, fight ticket or pay fine?
Replies: 79
Views: 5181

Re: Teen got into auto accident, fight ticket or pay fine?

For my city, when you get a traffic ticket and have the option to goto court or pay, when you goto court you are always offered a plea deal which reduces the points. This reduction in points and sometimes reduction to non moving violation can mean a huge deal on insurance rates. There is very littl...
by Mrxyz
Fri Mar 15, 2019 1:05 am
Forum: Personal Consumer Issues
Topic: Teen got into auto accident, fight ticket or pay fine?
Replies: 79
Views: 5181

Re: Teen got into auto accident, fight ticket or pay fine?

In some states, you can take a 1 day safe driver course, and then the violation goes away. This would be a good option if allowed in your state. The cost if the course is equal to the ticket. +1 .. if not would go the traffic law attorney route. Accidents can follow a driver a long time in insuranc...
by Mrxyz
Fri Mar 15, 2019 12:47 am
Forum: Personal Consumer Issues
Topic: Teen got into auto accident, fight ticket or pay fine?
Replies: 79
Views: 5181

Re: Teen got into auto accident, fight ticket or pay fine?

Hi So my teen got into an accident, it was his fault, his car is totalled but thankfully no one is injured. He got a moving violation which can be paid or we can fight it. Since it was his fault, I thought about paying the fine and moving ahead ..........expensive and tiring education for him and m...
by Mrxyz
Fri Mar 15, 2019 12:45 am
Forum: Personal Consumer Issues
Topic: Teen got into auto accident, fight ticket or pay fine?
Replies: 79
Views: 5181

Re: Teen got into auto accident, fight ticket or pay fine?

What's the charge on the ticket? I agree that I'd just leave the van with the tow company and wash your hands of it. Yes, the ticket was $125. The car was basically totalled, I did not have collision coverage as it was too old anyway. I signed over the title to the tow company and its gone for good.
by Mrxyz
Thu Mar 14, 2019 6:12 am
Forum: Personal Consumer Issues
Topic: Teen got into auto accident, fight ticket or pay fine?
Replies: 79
Views: 5181

Re: Teen got into auto accident, fight ticket or pay fine?

I can't speak to others, but if this were my teen, that would be the end of driving for a little bit, and once that suspension were over, he would be paying 100% of his insurance going forward. In light of that, I might ask him if he'd like to use his own money (or borrow from you and pay you back ...
by Mrxyz
Thu Mar 14, 2019 6:03 am
Forum: Personal Consumer Issues
Topic: Teen got into auto accident, fight ticket or pay fine?
Replies: 79
Views: 5181

Teen got into auto accident, fight ticket or pay fine?

Hi So my teen got into an accident, it was his fault, his car is totalled but thankfully no one is injured. He got a moving violation which can be paid or we can fight it. Since it was his fault, I thought about paying the fine and moving ahead ..........expensive and tiring education for him and me...
by Mrxyz
Mon Mar 04, 2019 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Claim 529 deduction in 2 states? Tax question
Replies: 6
Views: 400

Re: Claim 529 deduction in 2 states? Tax question

Yes, I file one federal and 2 state taxes.
FWIW, over the years, I have only claimed the 529 deduction in one state (that is state of my residence) as I thought it would be 'double-dipping' otherwise.........?
But, I just want to be sure.
by Mrxyz
Mon Mar 04, 2019 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Claim 529 deduction in 2 states? Tax question
Replies: 6
Views: 400

Claim 529 deduction in 2 states? Tax question

Hi
I work and have income in 2 states. I currently claim 529 deduction in one state - the state of residence. Can I 'double' claim the deduction in the second state also?
Probably not but thought I should ask!
Thanks
by Mrxyz
Fri Jan 25, 2019 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.
Replies: 177
Views: 17926

Re: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.

Question regarding inheritance-
Married family with kids
If spouse gets a inheritance, any advantage/disadvantage in keeping the that money separate from the rest of the money? Does it need to be "treated" differently?
Probably not but wanted to be sure.
Thanks
by Mrxyz
Mon Jan 14, 2019 5:33 pm
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 11149

Re: Did you ever "win" big?

Attributing everything in life "fate" or "luck", is not only intellectually dishonest, its pure laziness. actually, continuing to believe in free will after science has shown otherwise "is not only intellectually dishonest, its [sic] pure laziness." https://www.google....
by Mrxyz
Thu Jan 10, 2019 10:59 pm
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 11149

Re: Did you ever "win" big?

No but many many years ago, I had an etrade account for a few weeks, made around $2500, found someone else doing the same who is a compulsive gambler and was losing IT- money, wife, job and mental health! I cashed out and closed account.
by Mrxyz
Sun Jan 06, 2019 11:36 am
Forum: Personal Consumer Issues
Topic: Dashcam dual channel (front and rear) - user recommendations
Replies: 8
Views: 1294

Dashcam dual channel (front and rear) - user recommendations

Hi, I wonder if you have any actual usage recommendations for car/van dash cams -dual channel with front and rear views. I have reviewed the prior threads by using the search function at the top right corner and also www.carcamcentral.com which has a lot (almost too much) information. Wonder if anyo...
by Mrxyz
Fri Jan 04, 2019 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Should I modify or stop my Disability Insurance?
Replies: 14
Views: 1021

Re: Should I stop my Disability Insurance?

I am 52 and do not plan to retire until I am 60 plus. I have DI with employer- pays 60% of salary,is tax-free, after 90 day waiting period, and administered by Hartford. I am 'told' that it is quite difficult to get everything approved by this DI policy and thus got additional DI coverage through Gu...
by Mrxyz
Fri Jan 04, 2019 6:20 am
Forum: Personal Finance (Not Investing)
Topic: Should I modify or stop my Disability Insurance?
Replies: 14
Views: 1021

Should I modify or stop my Disability Insurance?

Hi all, Do I need to stop DI? My DI details are; $12,200 per month until 67 years Waiting period is 90 days COLA is 3% Catastrophic disability benefit is $8000 I pay $640 monthly I work full time for $250k plus /year - usually around $350k. My net worth excluding house and cars is around 2.5M I have...
by Mrxyz
Fri Dec 28, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: TLH - need reassurance.... what did I miss? UPDATE
Replies: 26
Views: 1913

Re: TLH - need reassurance.... what did I miss? UPDATE

If you exchange VFWAX to VTIAX, that means you bought VTIAX, so if you sell VTIAX too soon at a loss that would be a wash sale which is easily taken care of. You can exchange VFWAX and VTIAX both into VTMGX. It is not substantially identical to either of them. That is a Vanguard single mutual fund ...
by Mrxyz
Thu Dec 27, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: TLH - need reassurance.... what did I miss? UPDATE
Replies: 26
Views: 1913

Re: TLH - need reassurance.... what did I miss? UPDATE

Did the Wiki mention IXUS? No, it does not mention it! And on reading about it here; https://www.ishares.com/us/products/244048/ishares-core-msci-total-international-stock-etf It probably needs to be on that list..... So, I am guessing here but are you saying I should figure this out on my own by r...
by Mrxyz
Thu Dec 27, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: TLH - need reassurance.... what did I miss? UPDATE
Replies: 26
Views: 1913

Re: TLH - need reassurance.... what did I miss? UPDATE

You missed my point about finding comparable funds. One doesn't need to use TLH discussions to find comparable funds. I do think I understand what you are pointing towards. For example; The wiki mentions the options for VTIAX and lists VDVIX (investor) as an option which is what you have suggested ...
by Mrxyz
Thu Dec 27, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: TLH - need reassurance.... what did I miss? UPDATE
Replies: 26
Views: 1913

Re: TLH - need reassurance.... what did I miss? UPDATE

Other solutions: 1. Create a wash sale and deal with it. 2. Use non-Vanguard products, ETFs, etc. 3. Move to a US fund for a few weeks. 4. Do one fund at a time for each of 30 days. 5. ... As for lists of replacement shares, my answer is that (a) one should know what they bought in the first place ...
by Mrxyz
Thu Dec 27, 2018 7:46 am
Forum: Personal Finance (Not Investing)
Topic: TLH - need reassurance.... what did I miss? UPDATE
Replies: 26
Views: 1913

Re: TLH - need reassurance.... what did I miss? UPDATE

If you exchange VFWAX to VTIAX, that means you bought VTIAX, so if you sell VTIAX too soon at a loss that would be a wash sale which is easily taken care of. You can exchange VFWAX and VTIAX both into VTMGX. It is not substantially identical to either of them. That is a Vanguard single mutual fund ...
by Mrxyz
Wed Dec 26, 2018 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: TLH - need reassurance.... what did I miss? UPDATE
Replies: 26
Views: 1913

Re: TLH - need reassurance.... what did I miss?

UPDATE - So I did a TLH on November 20th which is now more than 31 days old. I sold VTIAX and bought VFWAX. Now I have losses in both accounts which I (think) I can TLH. VTIAX has losses of around $11k and VFWAX losses of around $8K. What is the best way of doing this? Do I exchange VFWAX for VTIAX...
by Mrxyz
Mon Dec 17, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: TLH - need reassurance.... what did I miss? UPDATE
Replies: 26
Views: 1913

Re: TLH - need reassurance.... what did I miss?

1. Vanguard was not forthcoming about all the tricks one can use to get around their 30-day frequent trading policy, but their answer does not affect what you want to do anyways. The Vanguard answer did not consider that you might create a wash sale by buying on December 20th, did it? I thought I w...
by Mrxyz
Mon Dec 17, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: TLH - need reassurance.... what did I miss? UPDATE
Replies: 26
Views: 1913

Re: TLH - need reassurance.... what did I miss?

Yes, you can TLH again. I suggest you wait a few days and exchange from VFWAX back into VTIAX. The wait is so you won't have a wash sale because you sold VTIAX less than 31 days ago. Homework: What day is the earliest day you can buy VTIAX? (It's a trick question! You can buy today, but you will cr...
by Mrxyz
Mon Dec 17, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: TLH - need reassurance.... what did I miss? UPDATE
Replies: 26
Views: 1913

Re: TLH - need reassurance.... what did I miss?

.Changed my dividend and capital gains from auto invest to send to my bank. This I will invest manually on a quarterly basis or so. If you are going to reinvest quarterly why not put it in settlement fund or prime money market? It will most likely earn more interest than at your bank. Thanks.I will...
by Mrxyz
Mon Dec 17, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: TLH - need reassurance.... what did I miss? UPDATE
Replies: 26
Views: 1913

Re: TLH - need reassurance.... what did I miss?

Yes, you can TLH again. I suggest you wait a few days and exchange from VFWAX back into VTIAX. The wait is so you won't have a wash sale because you sold VTIAX less than 31 days ago. Homework: What day is the earliest day you can buy VTIAX? (It's a trick question! You can buy today, but you will cr...
by Mrxyz
Mon Dec 17, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: TLH - need reassurance.... what did I miss? UPDATE
Replies: 26
Views: 1913

Re: TLH - need reassurance.... what did I miss?

Hi I have done my first TLH today (Nov 21). Read the WCI and POF websites to learn but need some reassurance. 1. Changed the cost basis to specID last week 2. Found out that the cost basis for VTIAX showed a Total gain/loss section with a loss of - $9,272 today 2. Made sure I only have one fund inv...
by Mrxyz
Mon Dec 17, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire
Replies: 126
Views: 11205

Re: Can I retire

How can someone spend 250k a year in living expenses? Made me think and do some math. We spend 2k on gas, and electricity each, 3k on phone, 8k on disability, 6k on insurance 2k on car, 650 on HOA, county tax of 5k Car once every 10 year = 50G OR 5 G per year So this is roughly 35k/year minimum Res...
by Mrxyz
Sun Dec 16, 2018 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire
Replies: 126
Views: 11205

Re: Can I retire

How can someone spend 250k a year in living expenses? Made me think and do some math. We spend 2k on gas, and electricity each, 3k on phone, 8k on disability, 6k on insurance 2k on car, 650 on HOA, county tax of 5k Car once every 10 year = 50G OR 5 G per year So this is roughly 35k/year minimum Res...
by Mrxyz
Sun Dec 09, 2018 3:12 pm
Forum: Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 93
Views: 13063

Re: 20M Inheritance - What is best option for small/no risk on principal?

I really wonder if the OP will get as many response if the post was;

"$20,000 inheritance - What is the best option for small/no risk on principal?"

Does the answer touch on human perspective or behavior or failing?
by Mrxyz
Wed Nov 21, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: TLH - need reassurance.... what did I miss? UPDATE
Replies: 26
Views: 1913

Re: TLH - need reassurance.... what did I miss?

Question - change both the capital gains and the dividend - is that correct? Yes. Any other recommendations? Keep a watch on the funds. Once 30 days have passed, if VFWAX hasn't increased, you may want to move back to VTIAX. If VTIAX continues to drop, you can TLH again, but note that the 30 day cl...
by Mrxyz
Wed Nov 21, 2018 1:43 am
Forum: Personal Finance (Not Investing)
Topic: TLH - need reassurance.... what did I miss? UPDATE
Replies: 26
Views: 1913

TLH - need reassurance.... what did I miss? UPDATE

Hi I have done my first TLH today. Read the WCI and POF websites to learn but need some reassurance. 1. Changed the cost basis to specID last week 2. Found out that the cost basis for VTIAX showed a Total gain/loss section with a loss of - $9,272 today 2. Made sure I only have one fund invested as V...
by Mrxyz
Fri Oct 19, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Did you retire because you hit your number?
Replies: 71
Views: 7139

Re: Did you retire because you hit your number?

I know my post is not replying to the OP's question but..... how do you decide your number? I just cannot! I have read many posts on this and I(no one) cannot predict the future of course but how can you decide on how much medical cost will be down the line, cost of living increases........etc etc. ...
by Mrxyz
Fri Oct 12, 2018 4:08 am
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 438
Views: 425275

Re: A time to EVALUATE your jitters

Some people certainly keep some powder dry, but to me that was basically timing the market. While the powder was sitting there, the market may have risen 50 percent. If you can dollar cost average, that to me is taking advantage of lower stock prices. Also, if you see your allocation is 10 percent ...
by Mrxyz
Fri Oct 12, 2018 12:21 am
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 438
Views: 425275

Re: A time to EVALUATE your jitters

Perhaps this has already been discussed.... Is there any rationale in keeping money ready to invest during 'downtime' or RBDs? Like dry powder? Or is there no need to do anything but keep contributing to the portfolio (3 fund in my case) investing every month a given amount ? -THIS is probable the c...