Search found 419 matches

by Atgard
Mon Sep 10, 2018 9:45 pm
Forum: Investing - Theory, News & General
Topic: NASA FCU- 15 month CD 3.25% [2018]
Replies: 39
Views: 6621

Re: NASA FCU- 15 month CD 3.25%

I tried applying, and they're asking for notarized copies of my driver's license, social security card, and proof of residence. I have all those things, but has anyone else had them require notarized copies? What does that even mean? Type up something that says "these 3 things are authentic" and ge...
by Atgard
Mon Sep 10, 2018 11:51 am
Forum: Investing - Theory, News & General
Topic: NASA FCU- 15 month CD 3.25% [2018]
Replies: 39
Views: 6621

Re: NASA FCU- 15 month CD 3.25%

I tried applying, and they're asking for notarized copies of my driver's license, social security card, and proof of residence. I have all those things, but has anyone else had them require notarized copies? What does that even mean? Type up something that says "these 3 things are authentic" and get...
by Atgard
Mon Sep 10, 2018 9:19 am
Forum: Investing - Theory, News & General
Topic: NASA FCU- 15 month CD 3.25% [2018]
Replies: 39
Views: 6621

Re: NASA FCU- 15 month CD 3.25%

Thanks for linking, very tempting.

I note that one way to join is they give you a 1-year free membership to the National Space Society. Since it's a 15-mo CD, I assume you'd need to renew it (costs between $25–$55) for at least one more year?
by Atgard
Wed Aug 22, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions for a Generous Grandparent?
Replies: 53
Views: 4566

Re: Suggestions for a Generous Grandparent?

I agree trying to guess & calculate inflation & expected return is pointless. I see 2 options: 1.) give 1/2 to you & 1/2 to your sister, which you can then split amongst your children (so your kids get 1/4 ea. and hers get 1/6 ea.) 2.) give 1/5 to each grandchild (so your family gets 2/5 and hers ge...
by Atgard
Tue Aug 21, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: I saved $3,200 on a $23,500 car with minimal stress.
Replies: 45
Views: 6412

Re: I saved $3,200 on a $23,500 car with minimal stress.

This is what I did and it worked out extremely well when I bought a Corvette. I went to the nation's largest volume dealer's website, waited to find the exact car/color/options I wanted on their website. There was an out the door price, and I bought it for that exact price (I paid them $379 to hand...
by Atgard
Tue Aug 21, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 108
Views: 7310

Re: PCP Wants Full Charge Up Front [Primary Care Physician]

I would much rather know what the price is upfront and pay it at the counter (and possibly get something back from the insurer later as a pleasant surprise), than get some over-inflated bill 2 months later that you forgot about and it's much harder to contest. I have no problem paying when the servi...
by Atgard
Tue Aug 21, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: I saved $3,200 on a $23,500 car with minimal stress.
Replies: 45
Views: 6412

Re: I saved $3,200 on a $23,500 car with minimal stress.

This is probably about the best way to buy a car imo. Make it clear you are emailing several dealers (even nationwide) and you need their best price, no BS, no call me or come in etc. Be nice, but extremely firm. There's nothing I dislike more in life than talking to a car salesman. Do everything o...
by Atgard
Thu Aug 09, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement accounts and physician SCorps and Tax Reform
Replies: 90
Views: 8518

Re: Retirement accounts and physician SCorps and Tax Reform

summary of new 199a irs guidance from Nitti who wrote some good articles before: https://www.forbes.com/sites/anthonynitti/2018/08/09/irs-provides-guidance-on-20-pass-through-deduction-but-questions-remain/#2c6498142ff8 Anyone have tips or experience converting from s-corp to sole prop? Thanks for ...
by Atgard
Sat Jul 21, 2018 9:01 am
Forum: Personal Investments
Topic: Should I Dump a Pile of Money on Young Son?
Replies: 157
Views: 14822

Re: Should I Dump a Pile of Money on Young Son?

It sure sounds like your kid is on the right track -- bravo! I would personally aim for more of a middle path. Not sure if dumping $1M (that's a lot of money for anyone, especially someone relatively young) all at once is a great idea. On the other hand, he's clearly not wasteful in spending so I wo...
by Atgard
Thu Jul 19, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: What is the most severe hyperbolic discounting you have ever acted on?
Replies: 30
Views: 2708

Re: What is the most severe hyperbolic discounting you have ever acted on?

Yeah, I don't think hyperbolic discounting means "buy a bunch of stuff when it's on sale" -- it's actually kinda the opposite. It's paying $8 each for a hot dog and beer at a ballgame instead of waiting until you get home and they're $1 each (or less). It's buying the new iPhone or gadget the day it...
by Atgard
Mon Jul 02, 2018 2:28 am
Forum: Personal Investments
Topic: Opening a 529 with Vanguard
Replies: 2
Views: 384

Re: Opening a 529 with Vanguard

You have a choice of (a) Age-Based Options or (b) Individual Portfolios. If you choose Age-Based Options , it is like a Target Retirement Fund: Vanguard will pick a mix of stocks & bonds (and short-term reserves) based on the age of your child, and this will automatically adjust to become more conse...
by Atgard
Sat Jun 30, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: replace old central AC unit?
Replies: 32
Views: 2889

Re: replace old central AC unit?

A newer unit might help, but generally just in being more energy efficient (SEER ratings of 16+). You should first check to see if your current unit is appropriately sized for the space/climate, and if it's working properly. A larger (higher-tonnage) A/C is not necessarily better here, you want one ...
by Atgard
Wed Jun 27, 2018 2:25 pm
Forum: Personal Investments
Topic: I-Bond Logistics
Replies: 14
Views: 2137

Re: I-Bond Logistics

I guess it depends how much time you spend tracking & verifying & calculating your I-Bond holdings. If you can automatically schedule a purchase each month, then leave them all there for 30 years, it shouldn't be a big hassle. If you like to meticulously track the current value and interest rates of...
by Atgard
Tue Jun 26, 2018 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 181
Views: 25788

Re: IRS publishes draft 2018 1040 - Huge changes made

"Put it on a postcard!"
"But, without actually simplifying the rules, that just means we take half the stuff off the old form and shunt it to a bunch of appendices. So, while some people may go from 2 pages to 1, others will go from 2 up to 7."
"PUT IT ON A POSTCARD!!!"
"Yes, sir."
by Atgard
Mon Jun 25, 2018 2:02 pm
Forum: Personal Investments
Topic: VTI -> VTSAX
Replies: 15
Views: 3234

Re: VTI -> VTSAX

I'm in a similar situation. I started buying VTI with another brokerage (when buying the mutual fund VTSAX was either not possible or had high fees). Now that I'm at Vanguard, buying the ETF (only once a year for me thankfully) is a minor hassle. I need to do it while markets are open, have to calcu...
by Atgard
Sun Jun 17, 2018 8:59 pm
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 63
Views: 21437

Re: New Capitol One 360 ACH limits

illini wrote:
Sun Jun 17, 2018 12:48 pm
Been doing the same. Their recent redesign has made simple tasks frustrating. I miss when it was ING.
Agree 100%. A "simple" interface makes tasks more complicated in this case.
by Atgard
Sun Jun 17, 2018 8:58 pm
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 63
Views: 21437

Re: New Capitol One 360 ACH limits

I have also had ING (now CapOne360) for about 14 years. It's been my go-to account, and I was very very pleased with ING. The interest didn't make me rich, but beat 95% of other banks and was usually very competitive (still isn't too bad in their money market account). The website was clean & simple...
by Atgard
Thu May 31, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Thoughts on Buying a "Flipped" House?
Replies: 27
Views: 3590

Re: Thoughts on Buying a "Flipped" House?

As others have said, a very thorough home inspection is a must. I'd let the inspector know your concerns and even offer to pay more for a more thorough inspection. (We're talking a rounding error of a couple hundred bucks extra on a $3M house.) As one minor point, engineered wood can actually be qui...
by Atgard
Tue May 29, 2018 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 139
Views: 19557

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

All that said, I do get the psychological reasons for wanting to pay off the house and be done. Personally, it doesn't work for me since I still have so many other house-related costs I still have to pay -- which can easily be as much or more than the mortgage payment. It would be different if you ...
by Atgard
Tue May 29, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 139
Views: 19557

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

I would pay off the mortgage, once you do that the house is yours and yours only, no one can take it away. What happens if you lose your job? On a related note, if I lost my job tomorrow, I would rather have $210K in the bank and a mortgage payment due every month, than $0 in the bank and a paid-of...
by Atgard
Thu May 24, 2018 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 139
Views: 19557

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

I would pay off the mortgage, once you do that the house is yours and yours only, no one can take it away. What happens if you lose your job? I respectfully disagree. First, you certainly can lose your paid-off house if you don't make property tax payments, don't pay HOA fees (if any), can't afford...
by Atgard
Thu May 24, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 139
Views: 19557

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

Lots of differing opinions with no universal right or wrong answer. My personal opinion is I would keep the mortgage, 3.625% is a great rate. I am in a similar situation with 3.75%. I think in the next 28 years there will come a time when you're happy to have someone loaning you money at 3.625% -- n...
by Atgard
Thu May 24, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Buying Crypto tokens in private sale prior to ICO
Replies: 21
Views: 1708

Re: Buying Crypto tokens in private sale prior to ICO

GKSD wrote:
Thu May 24, 2018 9:06 am
They have some pitch on their platform but it is way too complicated gibberish for me to understand.
I think you have answered your own question.
by Atgard
Tue May 22, 2018 9:55 am
Forum: Personal Investments
Topic: How do you stop moving the goal posts.
Replies: 62
Views: 5996

Re: How do you stop moving the goal posts.

Much better shape, like with most investors the last 4 years have been fantastic. That is part of the problem, I have become accustomed to seeing my balances increase virtually every month and the year over year increases have exceeded all of my expectations. The standard of living I will have in r...
by Atgard
Wed May 16, 2018 11:56 am
Forum: Personal Investments
Topic: Fellow non-529ers
Replies: 43
Views: 4004

Re: Fellow non-529ers

I can understand not wanting to overfund, but there is a lot of room between "zero" and "overfunding." Isn't the answer to put in some portion up to an amount you think you'll almost certainly use? (Keep in mind there is flexibility among siblings, other relatives, K-12, undergrad, grad school, room...
by Atgard
Thu May 10, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 8384

Re: What's the view on dogs running free?

It seems to me that if you want to stop animals or people from walking across your yard, you should put up a fence. You can say "I shouldn't have to do that," but I disagree. That's what fences are for. It's like saying you shouldn't have to pay for a front door or a lock. On the other hand, if most...
by Atgard
Mon May 07, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Switching Apple Mac Mini to Solid State Drive?
Replies: 15
Views: 1409

Re: Switching Apple Mac Mini to Solid State Drive?

I would also recommend an external SSD (preferably USB 3). The only problem is a computer that old only has USB 2, so the speed won't wow you. But then you can use it on a newer computer and/or laptop when you get it (and the speed will wow you). Apple charges about 2-3x too much for pre-installing ...
by Atgard
Tue May 01, 2018 8:41 pm
Forum: Investing - Theory, News & General
Topic: I-bond fixed rate = 0.3%
Replies: 62
Views: 11110

Re: I-bond fixed rate = 0.3%

I just want to say I am unreasonably excited about this HUGE jump to 0.3% fixed, and already scheduled my order (to purchase near the end of the month, of course). Yes, I agonized over whether to buy in April or roll the dice. And now I own my highest fixed-rate iBonds. I know, small victories. OK, ...
by Atgard
Tue May 01, 2018 3:16 pm
Forum: Forum Issues and Administration
Topic: Making it easier to track posts from the OP
Replies: 50
Views: 8113

Re: Making it easier to track posts from the OP

Yes, some forums highlight the original poster's later replies or have a little "OP" mark next to his name. Helpful. Not sure if that's a feature that can be enabled through this forum software?
by Atgard
Tue May 01, 2018 8:49 am
Forum: Personal Investments
Topic: How do you know when you have "won the game"?
Replies: 142
Views: 19618

Re: How do you know when you have "won the game"?

I see a disconnect. Many Bogleheads admire Warren Buffet who didn't quit when he "won the game". Not sure what everyone thinks of Trump, but he didn't quit either. T Boone Pickens, Rupert Murdoch, George Soros, etc. Most could have quit much younger than many of us, but didn't. How does one reconci...
by Atgard
Sun Apr 29, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]
Replies: 128
Views: 20805

Re: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]

YES! This was one instance where the "wait and see" approach paid dividends (I had put in the full $6,900 in January). I was hoping the IRS would do the right thing, what a hassle it was going to be for us, HSA administrators, and the IRS to haggle over that $50 and a bunch of $3 fines. Glad to have...
by Atgard
Wed Apr 11, 2018 3:18 pm
Forum: Investing - Theory, News & General
Topic: I Bond’s Variable Rate Will Fall To 2.22% On May 1
Replies: 36
Views: 5747

Re: I Bond’s Variable Rate Will Fall To 2.22% On May 1

As to the topic of the thread, I was planning to hold off until May in the hopes of a higher fixed rate. But it seems unlikely they will do more than MAYBE go from 0.1% to 0.2%... and they could keep it the same or even go back to 0.0%. So I'm tempted to just buy now and lock in 0.1% fixed + 2.48% ...
by Atgard
Wed Apr 11, 2018 1:50 pm
Forum: Investing - Theory, News & General
Topic: I Bond’s Variable Rate Will Fall To 2.22% On May 1
Replies: 36
Views: 5747

Re: I Bond’s Variable Rate Will Fall To 2.22% On May 1

As to the topic of the thread, I was planning to hold off until May in the hopes of a higher fixed rate. But it seems unlikely they will do more than MAYBE go from 0.1% to 0.2%... and they could keep it the same or even go back to 0.0%. So I'm tempted to just buy now and lock in 0.1% fixed + 2.48% f...
by Atgard
Wed Apr 11, 2018 1:47 pm
Forum: Investing - Theory, News & General
Topic: I Bond’s Variable Rate Will Fall To 2.22% On May 1
Replies: 36
Views: 5747

Re: I Bond’s Variable Rate Will Fall To 2.22% On May 1

I've never had an issue with the Treasury Direct website. It's not super-slick, and it takes a little getting used to, but you can say the same about Vanguard. At the end of the day, they both work and are the most efficient way for me to buy the low-cost investments I want. Especially considering I...
by Atgard
Wed Apr 11, 2018 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: To HSA or HSA -- explain like I'm 5.
Replies: 32
Views: 4706

Re: To HSA or HSA -- explain like I'm 5.

The HSA is arguably the best tax savings vehicle available. Normally you have to either choose between a tax break now (traditional) or tax break later (Roth). With an HSA, you get both, also called "triple-tax-free": (1) you get a tax deduction the year you contribute, (2) the earnings grow and com...
by Atgard
Fri Mar 30, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 11651

Re: New car from dealer may have close to 150 miles - ok?

The real question is, do you want to pay to have the car towed 100 miles to avoid the mileage on the odometer? If so, offer to pay for that. You can ask the dealer to pay for it, but if they say yes, it really just means there is still enough profit left over in the deal you bargained even after ded...
by Atgard
Fri Mar 30, 2018 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Does my S Corp still make sense? Physician partnership income as K1 to self or keep S corp.
Replies: 6
Views: 1049

Re: Does my S Corp still make sense? Physician partnership income as K1 to self or keep S corp.

I have a similar question/situation. I formed the S-Corp mainly to be able to max out a Solo 401K, do some other deductions (like HSA and employer health insurance), and secondarily to save the 2.9% on Medicare. IF the QBI does not include W-2 wages paid to yourself, it is a big strike against S-Cor...
by Atgard
Wed Mar 21, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Rent or Buy in Miami?
Replies: 20
Views: 2307

Re: Rent or Buy in Miami?

I would definitely recommend renting until you get to know the area. Probably even until you know what your plans are after her program is over. Where will she work? Traffic in Miami can be harsh, you'll want to factor in where your job is so you don't end up with a terrible commute. And while South...
by Atgard
Wed Mar 21, 2018 8:11 pm
Forum: Personal Investments
Topic: How/when to sell high-cost funds with capital gains?
Replies: 12
Views: 1830

Re: How/when to sell high-cost funds with capital gains?

Just pull it off fast like a band-aid. Yeah, you pay once (taxes you would probably pay at some point anyway), but it's better than paying higher fees every single year forever. It was worth it for me in psychological benefits alone, not to mention it only took a couple years to be financially ahead...
by Atgard
Mon Mar 19, 2018 2:21 pm
Forum: Investing - Theory, News & General
Topic: Incredibly sleazy Northwestern Mutual cold caller
Replies: 78
Views: 10597

Re: Incredibly sleazy Northwestern Mutual cold caller

That's not incredibly sleazy, just the normal sleazy. Seems that way to me too. Not defending the guy, but he didn't seem to get rude or super-aggressive or straight-up lie as bad as some I have heard (and heard about). He was pitching his schtick, this happens every single day and millions of peop...
by Atgard
Mon Mar 19, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Ever received a legitimate unsolicited call from the I.R.S.?
Replies: 24
Views: 2806

Re: Ever received a legitimate unsolicited call from the I.R.S.?

I have been contacted my the IRS, and it has always been by mail (forgot a 1099 once and miscalculated when I did my returns manually another time). I forgot a 1099-DIV for $20 this year. The tax would be about $3 to $4. Curious to see if they chase me down for that. In general, they send automated...
by Atgard
Mon Mar 19, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Least Expensive Way to Comprehensively Learn Law
Replies: 22
Views: 1943

Re: Least Expensive Way to Comprehensively Learn Law

There is no such thing as "comprehensively" learning law. There are so many specialties & sub-specialties & jurisdictions... you could bring an issue to a top-tier expert litigator at a big firm with 30+ years experience... and the first thing in almost every case is to get an associate to research ...
by Atgard
Mon Mar 19, 2018 1:59 pm
Forum: Investing - Theory, News & General
Topic: Parking Business Cash - WHERE?
Replies: 21
Views: 3560

Re: Parking Business Cash - WHERE?

It's a good question. For "business" cash I'm assuming you want something safe & liquid (otherwise you would take it as a distribution and invest it personally in accordance with your AA). Right now I'm in the same boat with a business account with good features & no fees, but no interest either. It...
by Atgard
Sun Mar 18, 2018 7:51 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Going Sideways/Weird Shipment Problems
Replies: 66
Views: 7621

Re: Amazon Prime Going Sideways/Weird Shipment Problems

For what it's worth, I've still been very happy with Amazon Prime. They don't always arrive in 2 days, but the definitely do more often than not, probably 75%+. Most of the time, an extra day or two isn't a big deal to me. When it is a big deal, or an item is very late, Amazon has been good about of...
by Atgard
Wed Mar 07, 2018 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]
Replies: 128
Views: 20805

Re: HSA family max contribution lowered to $6850 for 2018

I had no idea they could retroactively change it, I already put in the whole $6,900 for the year. What a pain. Can they do this to IRA limits next? Seems to me they need to have it sorted before Jan 1!
by Atgard
Mon Mar 05, 2018 4:35 pm
Forum: Investing - Theory, News & General
Topic: Another reason to steer clear of Bitcoin. As if we need another reason...
Replies: 48
Views: 8573

Re: Another reason to steer clear of Bitcoin. As if we need another reason...

If you drive a billion dollar car, people can see it on the roads every day. People may even deduce the identity of said driver / owner. Except this is not remotely the same thing. Someone can steal your car -- you hand him the keys and say "Have a nice day." The car is still registered to you. Whe...
by Atgard
Mon Mar 05, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Rome-Florence-Venice-Prague summer vacation
Replies: 54
Views: 4070

Re: Rome-Florence-Venice-Prague summer vacation

Please do not miss the Galleria Borghese while in Rome. It is less well-known than some other worthy attractions, but it is home to many fantastic Bernini sculptures. Also, even as a frugal Boglehead, I highly recommend splurging the $12 or so and reserving an English-speaking docent guided tour. It...
by Atgard
Mon Mar 05, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting: Is "saving" for future large expenses classified as savings?
Replies: 35
Views: 1953

Re: Budgeting: Is "saving" for future large expenses classified as savings?

* Purchasing a car gets slightly more complicated since it's not quite an expense like a trip but not usually a stable or appreciating asset like a house or stock. So to be accurate I'd look at the purchase cost minus sale cost at the end (so in my example above, actually assume buying a new car for...
by Atgard
Mon Mar 05, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting: Is "saving" for future large expenses classified as savings?
Replies: 35
Views: 1953

Re: Budgeting: Is "saving" for future large expenses classified as savings?

You ask a good question. I would consider retirement savings or non-earmarked savings as true "savings." For money socked away for non-monthly but recurring things like maintenance or buying a car, I would count them as expenses, and you're socking funds away on the months you don't have the expense...
by Atgard
Tue Feb 20, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Multiple Offer situation/should we pull our offer?
Replies: 72
Views: 7257

Re: Multiple Offer situation/should we pull our offer?

I wouldn't get too worked up about it, you put in your offer that you're willing to pay and that's it (obviously don't increase it or anything). But I agree, it's annoying the games people play. Make sure you put a short expiration on all offers. But you're right, take this as a sign they will play ...