Search found 6900 matches

by Nate79
Fri Apr 09, 2021 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: In-Laws' HOA demanding $8000 lumpsum payment
Replies: 21
Views: 2679

Re: In-Laws' HOA demanding $8000 lumpsum payment

Did they actually buy owners title insurance?
by Nate79
Fri Apr 09, 2021 4:49 pm
Forum: Personal Consumer Issues
Topic: Travel Trailer vs My Pickup Truck: Specs?
Replies: 9
Views: 610

Re: Travel Trailer vs My Pickup Truck: Specs?

I did almost exactly this a few years ago. Same truck and similar trailer. Want to know how many trips it will take to upsize your truck or dump the trailer?

2.
by Nate79
Thu Apr 08, 2021 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance + long term care rider bundle?
Replies: 12
Views: 588

Re: Life insurance + long term care rider bundle?

This is Whole life, not long term care insurance. And you know how to know a permanent life insurance salesman is lying? Their lips are moving.....

Obligatory warning:
viewtopic.php?f=2&t=57154
by Nate79
Wed Apr 07, 2021 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Tax bill split between spouses
Replies: 80
Views: 4066

Re: Tax bill split between spouses

This is a bit controversial. My spouse and I keep our financial accounts separate. We agreed to keep things separate so we both have practice maintaining our own finances and investments. We are open about money discussions, and we co-own all large assets. Our income ratio is 4:1 ( me:her), so for ...
by Nate79
Wed Apr 07, 2021 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Premium Financed Indexed Universal Life - Have my doubts
Replies: 8
Views: 564

Re: Premium Financed Indexed Universal Life - Have my doubts

Have you searched on here to see the general opinion on such products? (Hint: tons of threads on this TRASH product) Sounds like you have an insurance salesman getting ready to make a big boat purchase. I did - only found two: https://www.bogleheads.org/forum/viewtopic.php?t=255708 and https://www....
by Nate79
Tue Apr 06, 2021 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Premium Financed Indexed Universal Life - Have my doubts
Replies: 8
Views: 564

Re: Premium Financed Indexed Universal Life - Have my doubts

Have you searched on here to see the general opinion on such products? (Hint: tons of threads on this TRASH product)

Sounds like you have an insurance salesman getting ready to make a big boat purchase.
by Nate79
Tue Apr 06, 2021 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Loan Depot Refinance- $10,000 gone poof!!!
Replies: 25
Views: 6049

Re: Loan Depot Refinance- $10,000 gone poof!!!

Glad to see this got fixed finally. This is a warning that when you do a refi and your loan may be in transition between two servicers to leave it alone and just make regular payments until everything is setup properly.
by Nate79
Mon Apr 05, 2021 9:46 pm
Forum: Personal Consumer Issues
Topic: No foreign fee, reimburse atm fee cards besides Schwab?
Replies: 33
Views: 2018

Re: No foreign fee, reimburse atm fee cards besides Schwab?

I would not use a debit card for purchases overseas (or domestic for that matter). Just use credit cards (and there are plenty of no international fee credit cards). Just use the no fee debit cards for cash out of ATMs (Schwab, Fidelity, etc).
by Nate79
Fri Apr 02, 2021 10:08 pm
Forum: Personal Investments
Topic: Fundrise Review?
Replies: 11
Views: 1182

Re: Fundrise Review?

Has anyone on here used Fundrise? I’m wondering what the recipe for success is? Based on their website/fees it looks like “time in” is the key to not losing out on ROI. Aside from that, it seems like a good way to diversify your investments, but wanted to hear “love”/“hate” stories before I took th...
by Nate79
Fri Apr 02, 2021 8:55 pm
Forum: Investing - Theory, News & General
Topic: nextdoor referral for "financial advisor" makes sad Boglehead
Replies: 39
Views: 4412

Re: nextdoor referral for "financial advisor" makes sad Boglehead

Who is this fiduciary advisor you speak of and where are their offices in your city/neighborhood?
by Nate79
Thu Apr 01, 2021 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Which is more forward-looking? Solar panels or Roth investment?
Replies: 20
Views: 958

Re: Which is more forward-looking? Solar panels or Roth investment?

The return on our solar system will handily beat our Roth investments. But without that estimate it's hard to say which is a better decision.
by Nate79
Tue Mar 30, 2021 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Online purchase damaged during shipment - PayPal or credit card dispute?
Replies: 12
Views: 744

Re: Online purchase damaged during shipment - PayPal or credit card dispute?

What is the company policy for damage or returns that you agreed to at the time of purchase? What was the insurance policy on the shipment?
by Nate79
Tue Mar 30, 2021 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Received Stimulus Check - Not Eligible, Free Lunch?
Replies: 17
Views: 1991

Re: Received Stimulus Check - Not Eligible, Free Lunch?

You will not have to pay it back. Yes, it is a free lunch.
by Nate79
Tue Mar 30, 2021 3:31 pm
Forum: Personal Consumer Issues
Topic: People with Covid-19 vaccination record cards: where are you keeping them?
Replies: 163
Views: 13744

Re: People with Covid-19 vaccination record cards: where are you keeping them?

Not sure why they don't just include this as a feature in the mobile passport app in some form or another.
by Nate79
Tue Mar 30, 2021 2:39 pm
Forum: Personal Consumer Issues
Topic: Which Subaru would you recommend for my mom (mid 70s)?
Replies: 31
Views: 1975

Re: Which Subaru would you recommend for my mom (mid 70s)?

I would have her sit in each and see which she likes best. Which she can see out of, get in and out of, etc. Our preference was the Forester which has excellent visibility but we moved up to an Ascent which we love.
by Nate79
Mon Mar 29, 2021 9:20 pm
Forum: Investing - Theory, News & General
Topic: Market crashes. Who causes them?
Replies: 42
Views: 3769

Re: Market crashes. Who causes them?

Remember, for every seller there is a buyer.
by Nate79
Sat Mar 27, 2021 4:35 pm
Forum: Personal Investments
Topic: Should I save for college in 529 plan or taxable account?
Replies: 20
Views: 1360

Re: Should I save for college in 529 plan or taxable account?

If your state gives a tax deduction for 529 contributions that's another very nice benefit.
by Nate79
Thu Mar 25, 2021 10:20 pm
Forum: Personal Consumer Issues
Topic: Which car supports easy upgrades of driver assist features year over year without buying a new car every year ?
Replies: 34
Views: 3010

Re: Which car supports easy upgrades of driver assist features year over year without buying a new car every year ?

The only other company that might be close is GM. Many of their cars can do over thr air updates and Cadillac is the most extensive OTA update capability for GM including almost all main modules including updated to their driver assist features. But I doubt it will go as far as you are expecting.
by Nate79
Thu Mar 25, 2021 5:43 pm
Forum: Investing - Theory, News & General
Topic: Index Fund Comparison
Replies: 7
Views: 839

Re: Index Fund Comparison

I think I'm missing something. What's the point of this thread?
by Nate79
Tue Mar 23, 2021 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Tales from this insane real estate market
Replies: 402
Views: 46943

Re: Tales from this insane real estate market

All the talk about significant offers above asking price makes me wonder why the houses are being mispriced from the beginning with the listing.
by Nate79
Tue Mar 23, 2021 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: What is an average retirement a/c worth in America ?
Replies: 228
Views: 22329

Re: What is an average retirement a/c worth in America ?

Some of the most popular posts here are full of outliers and should not be used to assess the average, median or mode of family finances. I take it as quite a few "humble bragging" about their $350k silicon valley salaries with $200k RSUs and buying $2million homes with $1.5 million netwo...
by Nate79
Tue Mar 23, 2021 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: 529 affect on FAFSA?
Replies: 50
Views: 3304

Re: 529 affect on FAFSA?

In the end, for the OP, if you aren't going to save in a 529 but what are you going to do with the money instead? Its one thing if you aren't maxing out retirement accounts but if you are just going to save in a taxable account then the effect is basically the same as a 529 for need based aid as far...
by Nate79
Mon Mar 22, 2021 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: 529 affect on FAFSA?
Replies: 50
Views: 3304

Re: 529 affect on FAFSA?

My wife and I are trying to decide if we should invest in 529 accounts for our kids education. I've been perusing old threads on that topic but haven't seen this exact question. According to a Forbes article I just read: " In general, on the FAFSA form, a 529 plan owed by the custodial parent(...
by Nate79
Mon Mar 22, 2021 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone kept their Amex Platinum or Sapphire Reserve during COVID?
Replies: 67
Views: 5013

Re: Anyone kept their Amex Platinum or Sapphire Reserve during COVID?

Just used my Amex Platinum to book some post-vaccine travel later this year and I stumbled upon this discount: https://thepointsguy.com/news/amex-domestic-discount/ In my case, it's a ~$120 savings on a pair of round trip tickets on American Airlines. 2021 Amex Platinum credits/discounts: $180 - 6 ...
by Nate79
Mon Mar 22, 2021 1:48 pm
Forum: Personal Consumer Issues
Topic: Solar Cost Estimate
Replies: 19
Views: 1283

Re: Solar Cost Estimate

We live in somewhat Northern part of Delaware and installed Solar in mid 2019. We got quotes from 3 companies and chose a 9.1kW (28 panels, 325W) for an upfront cost of $20k and then after rebates from Fed and utility the cost was $11k (so $2.2/w before incentives). Our installer was great. Final pa...
by Nate79
Sun Mar 21, 2021 5:45 pm
Forum: Investing - Theory, News & General
Topic: rebalance taxable -> large tax bill?
Replies: 29
Views: 2898

Re: rebalance taxable -> large tax bill?

thanks for all the replies! I find it odd how posters posit my gain won't be $500k. not sure what to say except that I analyzed my tax lots prior to the OP. I've talked it over with my wife and I think we'll optimize the gain this year based on our estimated tax bracket. I am a little concerned abo...
by Nate79
Fri Mar 19, 2021 9:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Institutional Total Stock Market Index Fund Institutional Plus Shares (VITPX) VS VTSAX
Replies: 6
Views: 585

Re: Vanguard Institutional Total Stock Market Index Fund Institutional Plus Shares (VITPX) VS VTSAX

Zillions wrote: Fri Mar 19, 2021 9:17 pm Now, I'm even more confused. If I also wanted exposure to mid caps and small caps (ALL STOCKS traded within the US), would that not be possible if I only invested in VITPX?
Yes, VITPX is a total stock market fund. It has large, mid and small cap stocks, >3000 in fact.
by Nate79
Fri Mar 19, 2021 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone kept their Amex Platinum or Sapphire Reserve during COVID?
Replies: 67
Views: 5013

Re: Anyone kept their Amex Platinum or Sapphire Reserve during COVID?

The Amex annual fee is strongly rumored to soon be going up, up up to anywhere from $695-795. Wow. Strongly rumored? Is there more than the FT thread started by a brand new poster a few days ago? https://www.flyertalk.com/forum/american-express-membership-rewards/2036041-rumor-usa-personal-plat-ann...
by Nate79
Thu Mar 18, 2021 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone kept their Amex Platinum or Sapphire Reserve during COVID?
Replies: 67
Views: 5013

Re: Anyone kept their Amex Platinum or Sapphire Reserve during COVID?

The Amex annual fee is strongly rumored to soon be going up, up up to anywhere from $695-795. Wow.
by Nate79
Thu Mar 18, 2021 5:54 pm
Forum: Investing - Theory, News & General
Topic: Account restricted due to 3 good faith violation
Replies: 31
Views: 5024

Re: Account restricted due to 3 good faith violation

I got 3 good faith violations in the 365 day period. I was completely unaware of the rule because I have ever had it happen. Well I had 3 in one day as I was moving around my energy portfolio (selling low risk before it settled to move into higher risk and vice versa. Please no lecture on how bad d...
by Nate79
Thu Mar 18, 2021 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Would you sell or rent out this house?
Replies: 25
Views: 1334

Re: Would you sell or rent out this house?

Without the drama it's not even a good investment, marginal at best at the higher rental rate. Easy sell, especially with the drama aspect.
by Nate79
Wed Mar 17, 2021 10:16 pm
Forum: Investing - Theory, News & General
Topic: rebalance taxable -> large tax bill?
Replies: 29
Views: 2898

Re: rebalance taxable -> large tax bill?

You only pay taxes on the gains, not how much you sell. Are you sure your tax bill will be that high? Do you have different lots with less gains you could sell?
by Nate79
Wed Mar 17, 2021 5:45 am
Forum: Personal Finance (Not Investing)
Topic: Child birth insurance question
Replies: 10
Views: 849

Re: Child birth insurance question

Our baby was covered under the baby's insurance once born. Charges were separated between mom and baby after birth. This didn't matter to us as they were under the same insurance plan but what it means is don't assume anything. Ask. Edited to add: this topic has been discussed many times. I suggest ...
by Nate79
Tue Mar 16, 2021 10:33 pm
Forum: Investing - Theory, News & General
Topic: 4% rule disputed (Again??!!)
Replies: 421
Views: 29396

Re: 4% rule disputed (Again??!!)

Do they happen to have an active fund or an insurance product to sell us perhaps that solves the problem?

Who is their funding source at this "renowned college"?
by Nate79
Mon Mar 15, 2021 10:01 pm
Forum: Investing - Theory, News & General
Topic: Are we in a housing bubble?
Replies: 298
Views: 36600

Re: Are we in a housing bubble?

I like the calculated risk site for housing news and data and they recently posted this article showing how crazy low the housing inventory currently is:
https://www.calculatedriskblog.com/2021 ... t.html?m=1
by Nate79
Mon Mar 15, 2021 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: 401k over deducted for 2020. What to do to avoid penalties?
Replies: 7
Views: 595

Re: 401k over deducted for 2020. What to do to avoid penalties?

I am in a similar situation, but much worse. Due to my employer failing HCE testing, I have an excess 401K contribution of approximately $10000. :shock: The excess contribution has already been deducted from my 401K and I have been informed that I will be getting a check soon, so no worries there. ...
by Nate79
Sun Mar 14, 2021 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: How to know what IRA stands for?
Replies: 19
Views: 2084

Re: How to know what IRA stands for?

https://www.irs.gov/pub/irs-pdf/p590a.pdf Page 7 says: "Your traditional IRA can be an individual retirement account or annuity." I do not believe this is referring to annuities that can be held in an individual retirement account. The IRS wording says that an IRA _can be_ an account or a...
by Nate79
Sat Mar 13, 2021 4:50 pm
Forum: Investing - Theory, News & General
Topic: Gamestop betting on drop in value?
Replies: 23
Views: 2302

Re: Gamestock betting on drop in value?

scorcher31 wrote: Sat Mar 13, 2021 12:18 am Lol, wow it's sad I grew up with the company, forgot the name gamestop. It must be late
You should edit your thread title or flag a mod to help you.
by Nate79
Sat Mar 13, 2021 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Wife just crashed her car into mine. Tips on handling insurance?
Replies: 55
Views: 6800

Re: Wife just crashed her car into mine. Tips on handling insurance?

stocknoob4111 wrote: Sat Mar 13, 2021 4:13 pm Ask your wife to provide her insurance information...
Best to have which couch you plan to sleep on before though. Always have a game plan.
by Nate79
Sat Mar 13, 2021 10:09 am
Forum: Personal Finance (Not Investing)
Topic: VUL/IUL and LTC questions
Replies: 10
Views: 622

Re: VUL/IUL and LTC questions

Yes it is a horrible product. Yes you should cancel it asap. Yes the insurance salesman lies. No it's not LTC insurance. Rea LTC insurance (not this fake junk) should be purchased if needed at 55-60. How old are you and what is your LTC needs?
by Nate79
Sat Mar 13, 2021 8:31 am
Forum: Personal Investments
Topic: Schwab 1099 Problems for Maturing TIPS
Replies: 11
Views: 1699

Re: Schwab 1099 Problems for Maturing TIPS

Unfortunately Schwab's 1099-B for 2020 continues the error from previous years for my TIPS that matured January 2020 (which I purchased at the auction 1/11/2010 ). Instead of the correct $5.11 gain for each $1,000 face value, Schwab's 1099-B reports $194.88. This is because it wrongly excludes from...
by Nate79
Fri Mar 12, 2021 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Pulled the trigger on a solar install
Replies: 36
Views: 4657

Re: Pulled the trigger on a solar install

I'm jealous! I had an estimate done last week, but I just can't make the numbers work for me right now, mainly because I wouldn't get the tax credit, (no liability and don't expect to have one for quite a while) so it would be 25K for a 9.6 kWh system that would provide 103% of need instead of the ...
by Nate79
Fri Mar 12, 2021 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Index Universal Life for Cryonics
Replies: 52
Views: 5063

Re: Index Universal Life for Cryonics

If you want to fund this with a permanent life insurance policy, I'd use a guaranteed universal life. But I think buy term and invest the rest will work better. It's only $200K. Many bogleheads will leave far more than that behind. Thank you! I appreciate the feedback. It sounds like the latter com...
by Nate79
Wed Mar 10, 2021 10:37 pm
Forum: Personal Investments
Topic: Poor experience with Schwab
Replies: 42
Views: 2310

Re: Poor experience with Schwab

I had a similar problem with Schwab once. My user name was something like "JohnS". (Of course that is not my real username - I was using my first name and the first initial of my last name.) No matter what I tried, I could not get in. When I finally called them, they said I was getting lo...
by Nate79
Wed Mar 10, 2021 8:18 pm
Forum: Personal Investments
Topic: Poor experience with Schwab
Replies: 42
Views: 2310

Re: Poor experience with Schwab

From time to time, I see posts on this forum of complaints about Vanguard customer service. My experience with Vanguard has been great. I wanted to share my poor experience with Schwab. The Schwab website login has been broken for many weeks. The website always shows a message “This system is tempo...
by Nate79
Tue Mar 09, 2021 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Prefer home equity or 529?
Replies: 5
Views: 444

Re: Prefer home equity or 529?

You max out your 401k and 2 Roth IRAs and have more money to save? Welcome to the land of priviledge, the privilege to pay the entire cost of college.
by Nate79
Tue Mar 09, 2021 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: children roth ira
Replies: 29
Views: 2091

Re: children roth ira

Thanks bruce. my accountant said it's a very vague area with the IRS. he said he's seen plenty of his customers set up "babies roth ira" for their kids. he said the main thing is as long someone has been paying taxes on the 1099-int/div plus gains on brokerage is what the IRS has been foc...