Search found 2142 matches

by galawdawg
Sat May 08, 2021 5:48 am
Forum: Personal Consumer Issues
Topic: Ultra Low Mileage Car Lease
Replies: 18
Views: 1813

Re: Ultra Low Mileage Car Lease

For two hundred (200) one-way trips per year of about ten miles each, you'll probably come out well-ahead financially if you just take Uber or Lyft. No down payment, no monthly payments, no insurance, no maintenance expenses, no fuel costs...

You may want to run the numbers and see.
by galawdawg
Sat May 08, 2021 5:37 am
Forum: Personal Consumer Issues
Topic: Door frame damaged - Don't want to replace door
Replies: 14
Views: 1326

Re: Door frame damaged - Don't want to replace door

If I understand your issue correctly and assuming this is a wood door frame, there isn't any reason that a competent carpenter couldn't repair any damaged sections. Do you have any photos of the problem area you could upload?
by galawdawg
Fri May 07, 2021 7:45 am
Forum: Personal Consumer Issues
Topic: Buying a new laptop
Replies: 99
Views: 7766

Re: Buying a new laptop

I agree, the X13 is a great system. If you prefer a slightly larger screen (14"), you could go with the Thinkpad T490s (https://www.lenovo.com/us/en/outletus/laptops/thinkpad/thinkpad-t-series/ThinkPad-T490s/p/20NXX06500) but that is $675, a little over your budget. They just added a Thinkpad X...
by galawdawg
Thu May 06, 2021 7:40 pm
Forum: Personal Investments
Topic: Dad Dying, Son POA to become Executor, Bond Fund to Cash Now?
Replies: 38
Views: 5245

Re: Dad Dying, Son POA to become Executor, Bond Fund to Cash Now?

Sorry to hear of your father-in-law's condition. My only comment is to caution your husband not to take any action based upon an assumption that he will be the executor of the estate. An attorney admitted to Pennsylvania and/or with more experience in estate planning can chime in if I am incorrect,...
by galawdawg
Thu May 06, 2021 6:32 pm
Forum: Personal Investments
Topic: Vanguard personal advisory service
Replies: 36
Views: 3628

Re: Vanguard personal advisory service

Jack Bogle said, "cost matters." I believe there is only a limited subset of investors for whom Vanguard PAS is a wise choice. I am personally of the opinion that for those investors who are capable of managing their own finances and willing to learn and put into practice the Bogleheads in...
by galawdawg
Thu May 06, 2021 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: claim roof on insurance?
Replies: 17
Views: 888

Re: claim roof on insurance?

There are probably a lot of factors that make this not an easy question. Our home has its original roof that is ~25 years old. Our insurance covers replacement cost, not depreciated value. We were just notified by our insurance that due to no recent claims we would have forgiveness from rate increa...
by galawdawg
Wed May 05, 2021 6:02 pm
Forum: Personal Consumer Issues
Topic: Buying a new laptop
Replies: 99
Views: 7766

Re: Buying a new laptop

galawdawg wrote: There is currently a Thinkpad X280 (Intel Core i5-8350, 12.5" screen, 8gb RAM, 256GB solid state drive, Win 10 Professional) for $578, a Thinkpad X390 (Intel Core i5-8265U, 13.3" screen, 8gb RAM, 256GB solid state drive, Win 10 Professional), a Thinkpad X390 (Intel Core i...
by galawdawg
Wed May 05, 2021 3:58 am
Forum: Personal Consumer Issues
Topic: HVAC in Texas: how long to use band-aids?
Replies: 61
Views: 3610

Re: HVAC in Texas: how long to use band-aids?

I'm not sure I would want to be in a very hot home with a wife and two small children. YOU will take the fall for this if it fails! Unless it is truly a financial burden, I would replace. I would be ecstatic to get 24 years out of our heat pumps. I thought I was walking on the wild side when one of...
by galawdawg
Tue May 04, 2021 12:16 pm
Forum: Personal Investments
Topic: Dad Dying, Son POA to become Executor, Bond Fund to Cash Now?
Replies: 38
Views: 5245

Re: Dad Dying, Son POA to become Executor, Bond Fund to Cash Now?

Sorry to hear of your father-in-law's condition. My only comment is to caution your husband not to take any action based upon an assumption that he will be the executor of the estate. An attorney admitted to Pennsylvania and/or with more experience in estate planning can chime in if I am incorrect, ...
by galawdawg
Tue May 04, 2021 7:56 am
Forum: Personal Consumer Issues
Topic: Buying a new laptop
Replies: 99
Views: 7766

Re: Buying a new laptop

I know I'm late to the party, but if you haven't yet purchased the Walmart HP computer, may I recommend you consider a Lenovo Thinkpad, particularly an X or T series? I've used those for years, they are generally built like tanks, and are very, very easy to repair if down the road something goes wro...
by galawdawg
Mon May 03, 2021 11:12 am
Forum: Personal Consumer Issues
Topic: In-door Ice Maker - problem/quick fix?
Replies: 13
Views: 922

Re: In-door Ice Maker - problem/quick fix?

What is the brand? Is the actual ice maker in the door or just the dispenser?
by galawdawg
Mon May 03, 2021 9:56 am
Forum: Personal Consumer Issues
Topic: HVAC in Texas: how long to use band-aids?
Replies: 61
Views: 3610

Re: HVAC in Texas: how long to use band-aids?

I recommend you keep the existing system. The two needed repairs you've described, a capacitor and a fan motor bearing, are to be expected for a system of some age. Just like owning a car. But, unlike a car, your existing system has zero resale value. And what you've had to do is the equivalent of i...
by galawdawg
Mon May 03, 2021 6:21 am
Forum: Personal Consumer Issues
Topic: Who will install non-OEM parts I bought for my car?
Replies: 51
Views: 3241

Re: Who will install non-OEM parts I bought for my car?

brokendirtdart wrote: Mon May 03, 2021 6:08 am Of course I say that after donating blood and a part to a 16 day old truck yesterday replacing headlight bulbs :annoyed .
Sixteen DAY old truck??? :shock:

Must be a Dodge. :wink:
by galawdawg
Mon May 03, 2021 5:46 am
Forum: Personal Finance (Not Investing)
Topic: end-of-life values statement
Replies: 41
Views: 4804

Re: end-of-life values statement

Most, if not all, states have standardized advanced directives for health care which is not only part of estate planning but often recommended early in adulthood and always in connection with medical procedures. For example, here is the one Georgia uses: https://aging.georgia.gov/document/document/g...
by galawdawg
Sun May 02, 2021 2:24 pm
Forum: Personal Consumer Issues
Topic: Who will install non-OEM parts I bought for my car?
Replies: 51
Views: 3241

Re: Who will install non-OEM parts I bought for my car?

You'll need to call around and ask (and probably should have before you ordered). Many, if not most, automotive service places will not install customer-provided parts. If you can't find a service retailer willing to install them, you may have to do it yourself or ask a mechanically inclined buddy. ...
by galawdawg
Sun May 02, 2021 7:01 am
Forum: Personal Consumer Issues
Topic: Advice needed with Ashley Furniture
Replies: 18
Views: 2338

Re: Advice needed with Ashley Furniture

Bernard wrote: Sun May 02, 2021 12:34 am Ashley Furniture is the furniture equivalent to payday loans. It's really THAT very simple.
The Kmart of home furnishing retailers...

OP would probably get a better price, better quality and better service shopping on Wayfair.
by galawdawg
Sun May 02, 2021 6:59 am
Forum: Personal Consumer Issues
Topic: Advice needed with Ashley Furniture
Replies: 18
Views: 2338

Re: Advice needed with Ashley Furniture

Wife and I are finally relieved to be getting what we have almost finished paying for already . What does this mean? Did you pay for your purchase with a credit card? If so, if the matter is not resolved on May 7, file a dispute with the issuer. Keep it short , simple , and to the point . If you di...
by galawdawg
Sun Apr 25, 2021 7:53 am
Forum: Personal Consumer Issues
Topic: Where to travel with grandparents if they don’t like the beach and can’t walk too far
Replies: 54
Views: 5010

Re: Where to travel with grandparents if they don’t like the beach and can’t walk too far

Thanks for all the thoughts and ideas, I’ve read them all. As with most extended families, dynamics in mine can be...complex. While her parents are thrilled to spend time with us and the grandkids, they don’t particularly love travel. They’re homebodies at heart. However, my wife strongly dislikes ...
by galawdawg
Fri Apr 16, 2021 9:53 am
Forum: Personal Finance (Not Investing)
Topic: How foolish is this? [Buying waterfront apartment in Florida]
Replies: 102
Views: 10256

Re: How foolish is this? [Buying waterfront apartment in Florida]

It just went on the market and the open house at 9AM today was a feeding frenzy. The owners are going to sort through offers tomorrow and choose the best one. I won't chime in with my thoughts since according to this, it is too late! What was the end result? Did you make an offer? Are you under con...
by galawdawg
Fri Apr 16, 2021 6:01 am
Forum: Personal Finance (Not Investing)
Topic: Does it make sense that a car dealer needs to do a hard pull if you pay in full by check (cash)?
Replies: 79
Views: 7308

Re: Does it make sense that a car dealer needs to do a hard pull if you pay in full by check (cash)?

There is a very simple solution: if you don't like the way a business treats you or how they operate, take your business elsewhere. Freedom of choice. Vote with your wallet.
by galawdawg
Thu Apr 01, 2021 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Need help selecting a moderate cost trusts and estates attorney
Replies: 17
Views: 936

Re: Need help selecting a moderate cost trusts and estates attorney

Are there any issues with the current attorney or are you merely looking to shave costs? Have you asked the attorney for an estimate of time to complete the desired change of trustee? You may think $650/hr is too high but if this attorney has handled all of the legal matters in connection with this ...
by galawdawg
Thu Apr 01, 2021 4:06 pm
Forum: Personal Investments
Topic: Vanguard site issues
Replies: 54
Views: 4648

Re: Vanguard site issues

It is always a source of interest in these threads how some folks want to assess fault against the Vanguard "client-owner", rather than Vanguard, when Vanguard fails to deliver. Why is it important whether the poster "needs" to complete a transaction within an hour or a day...per...
by galawdawg
Tue Mar 30, 2021 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Online purchase damaged during shipment - PayPal or credit card dispute?
Replies: 12
Views: 757

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

Here are a few suggestions: 1. Do not attempt to install, repair or do anything with the item other than safely store it, along with the packaging item. If a claim has actually been made by the seller with the freight company, the freight company may need to inspect the item and the packaging materi...
by galawdawg
Mon Mar 29, 2021 7:19 am
Forum: Personal Investments
Topic: Paper check for 401k rollover
Replies: 21
Views: 1188

Re: Paper check for 401k rollover

If you set up the rollover as trustee-trustee, your 401k provider will send the funds directly to your brokerage.

That is how we handled ours and once set up, it was hands off.
by galawdawg
Sun Mar 28, 2021 10:03 am
Forum: Personal Finance (Not Investing)
Topic: POA questions
Replies: 7
Views: 467

Re: POA questions

A better option might be to have your mother put all her property, and specifically the house, in a revocable trust, naming one brother as primary trustee, with the other as secondary trustee. Then record a Trust Summary at the registry of deeds. This will enable the Trustee to easily sell the prop...
by galawdawg
Sun Mar 28, 2021 9:37 am
Forum: Personal Investments
Topic: The safest way to 7%?
Replies: 88
Views: 8501

Re: The safest way to 7%?

Vanguard LIfeStrategy Conservative Growth (VSCGX, ER 0.13%, 40/60 allocation) has had an average annual return of 7.05% since inception in 1994. Vanguard LIfeStrategy Moderate Growth (VSMGX, ER 0.13%, 60/40 allocation) has had an average annual return of 7.89% since inception in 1994. As others note...
by galawdawg
Sun Mar 28, 2021 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Single Mom - Home purchase ?
Replies: 40
Views: 3386

Re: Single Mom - Home purchase ?

While many will suggest that you compare your proposed monthly mortgage, taxes and insurance PITI to the cost to rent something similar to what you would buy, (i.e. mortgage on four bedroom house vs rent on four bedroom house) you may want to instead compare rent on what you would lease to the propo...
by galawdawg
Sun Mar 28, 2021 6:29 am
Forum: Personal Investments
Topic: 500k portfolio needing 3k/month income.
Replies: 40
Views: 5217

Re: 500k portfolio needing 3k/month income.

Vanguard LIfeStrategy Conservative Growth (VSCGX, ER 0.13%, 40/60 allocation) has had an average annual return of 7.05% since inception in 1994. Vanguard LIfeStrategy Moderate Growth (VSMGX, ER 0.13%, 60/40 allocation) has had an average annual return of 7.89% since inception in 1994. Those may be t...
by galawdawg
Sat Mar 27, 2021 6:54 pm
Forum: Personal Investments
Topic: Financial plan to make most money possible.
Replies: 32
Views: 2629

Re: Financial plan to make most money possible.

Would these two be comparable to VTSAX OR VTI my 401k doesn't have a total stock mutual fund. Vanguard Institutional Index Fund Institutional Shares MUTF: VINIX Plus Vanguard Extended Market Index Fund Institutional Shares MUTF: VIEIX VINIX is essentially the same index as VTSAX (there's your total...
by galawdawg
Sat Mar 27, 2021 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Retire vs resign - Is there a difference?
Replies: 81
Views: 8236

Re: Retire vs resign - Is there a difference?

It is completely dependent upon the particular employer's separation and retirement policies.
by galawdawg
Sat Mar 27, 2021 6:43 pm
Forum: Personal Investments
Topic: Financial plan to make most money possible.
Replies: 32
Views: 2629

Re: Financial plan to make most money possible.

Would these two be comparable to VTSAX OR VTI my 401k doesn't have a total stock mutual fund. Vanguard Institutional Index Fund Institutional Shares MUTF: VINIX Plus Vanguard Extended Market Index Fund Institutional Shares MUTF: VIEIX VINIX is essentially the same index as VTSAX (there's your total...
by galawdawg
Sat Mar 27, 2021 6:41 pm
Forum: Personal Investments
Topic: Financial plan to make most money possible.
Replies: 32
Views: 2629

Re: Financial plan to make most money possible.

Would these two be comparable to VTSAX OR VTI my 401k doesn't have a total stock mutual fund. Vanguard Institutional Index Fund Institutional Shares MUTF: VINIX Plus Vanguard Extended Market Index Fund Institutional Shares MUTF: VIEIX Yes, those two funds combined provide exposure to the entire US ...
by galawdawg
Sat Mar 27, 2021 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab referral bonus question [tax reporting]
Replies: 8
Views: 696

Re: Schwab referral bonus question

Can’t speak for Schwab but at Fidelity, I was 1009-d for taxable but not Roth. That's not right of Fidelity. Was your social security number on the 1099 or was it something you don't recognize (the ira custodian)? If it was your SSN I would report it then do another line and take it off your 1040. ...
by galawdawg
Sat Mar 27, 2021 6:23 pm
Forum: Personal Investments
Topic: Financial plan to make most money possible.
Replies: 32
Views: 2629

Re: Financial plan to make most money possible.

Welcome to Bogleheads! You can't go wrong with a simple one, two or three-fund portfolio of low-cost index funds. One fund would be a total US stock index fund (VTSAX or VTI). You can add an international stock index fund (VTIAX or VXUS) and/or a total bond index fund (VBTLX or BND) to make the two-...
by galawdawg
Sat Mar 27, 2021 5:37 pm
Forum: Personal Consumer Issues
Topic: From your personal experience, bathroom in finished basement?
Replies: 37
Views: 2751

Re: From your personal experience, bathroom in finished basement?

Our current home has a very large basement that is about 70% finished with a workout room, home theater and game room. Unfortunately, when the house was built and the basement finished, no bathroom was installed in the basement. Not having at least a two-piece bathroom in the basement is certainly a...
by galawdawg
Sat Mar 27, 2021 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Claiming college grad in regards to stimulus.
Replies: 23
Views: 1324

Re: Claiming college grad in regards to stimulus.

IRS publication 501 outlines the requirements for claiming a dependent (beginning at page 10) and would be helpful to review: https://www.irs.gov/pub/irs-pdf/p501.pdf The requirements for claiming a dependent in this situation are: 1. The child must be your son, daughter, stepchild, foster child, b...
by galawdawg
Sat Mar 27, 2021 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Owned a home, rented it for 2 years, then sold - Still owe tax?
Replies: 39
Views: 2899

Re: Owned a home, rented it for 2 years, then sold - Still owe tax?

As others have mentioned, allowed and allowable depreciation will account for some tax liability. See https://www.irs.gov/faqs/capital-gains-losses-and-sale-of-home/property-basis-sale-of-home-etc/property-basis-sale-of-home-etc-5 And yes, you are required to report the sale of the rental property. ...
by galawdawg
Sat Mar 27, 2021 9:49 am
Forum: Personal Finance (Not Investing)
Topic: TOD for home - need attorney?
Replies: 7
Views: 803

Re: TOD for home - need attorney?

Got it. I'd still recommend a consultation with an experienced estate planning attorney, particularly if you are contemplating a trust at some point. IMO, it is better to have a plan done right the first time rather than doing things piecemeal, incorrectly or in a manner that may result in unforseen...
by galawdawg
Sat Mar 27, 2021 9:34 am
Forum: Personal Finance (Not Investing)
Topic: TOD for home - need attorney?
Replies: 7
Views: 803

Re: TOD for home - need attorney?

Is your home not already titled JTWROS? If so, what are you trying to accomplish? If not, wouldn't that be more desirable than TOD? Either way, if you want to be sure that whatever is prepared is effective to carry out your wishes, I'd recommend an attorney. After all, it you get it wrong, you can't...
by galawdawg
Thu Mar 25, 2021 4:28 pm
Forum: Personal Consumer Issues
Topic: How to get "back in stock" notification for unavailable products?
Replies: 5
Views: 524

Re: How to get "back in stock" notification for unavailable products?

Hi guys, Do you know a way to get a "back in stock" notification for items that are currently out of stock on a website? There are some websites like eBay where an item will say "out of stock" or "0 available", but no option to get an alert when the item is available a...
by galawdawg
Thu Mar 25, 2021 4:02 pm
Forum: Personal Consumer Issues
Topic: Repairs without authorization
Replies: 16
Views: 1142

Re: Repairs without authorization

I'm upset he didn't notify me about the work beforehand and proceed to make me feel bad about the issue afterwards. If he told me beforehand I would have authorized the charges. How did he "proceed to make you feel bad about the issue afterwards?" Has he done good work for a fair price in...
by galawdawg
Thu Mar 25, 2021 10:25 am
Forum: Personal Finance (Not Investing)
Topic: JTWRS Problems - what are my options?
Replies: 136
Views: 10672

Re: JTWRS Nightmare - what are my options?

Another approach might be to open an online joint brokerage account at another brokerage (e.g., Fidelity). I've opened joint accounts at Fidelity and only needed the other joint owner's info (SSN, address, etc.) . In my case, I opened a joint account with my son. Once the joint account is open, you...
by galawdawg
Thu Mar 25, 2021 7:42 am
Forum: Personal Finance (Not Investing)
Topic: JTWRS Problems - what are my options?
Replies: 136
Views: 10672

Re: JTWRS Nightmare - what are my options?

If you are unwilling to communicate with the co-owner of the account, you should consult with an attorney. The self-help remedies that you are considering or that have been suggested are likely to be ineffective or could expose you to legal liability. I wouldn't recommend any of them. IANYL. Hope yo...
by galawdawg
Wed Mar 24, 2021 4:23 pm
Forum: Personal Investments
Topic: Vanguard alternative
Replies: 57
Views: 4702

Re: Vanguard alternative

I don't understand with your tech savvy why you cannot look at the other major brokerage web sites and just make a choice. Here are some of the names of them: Fidelity Schwab TDAmeritrade (bought by Schwab) Those really are the choices nowadays though some folks mention E*Trade, Chase YouInvest, Me...
by galawdawg
Wed Mar 24, 2021 11:05 am
Forum: Personal Investments
Topic: Desperately asking for help - Thank you!
Replies: 39
Views: 5460

Re: Desperately asking for help - Thank you!

I do not recommend that you seek advice from a CFP or other advisor, some (or even many) of whom are compensated in part or in whole by selling you products and services. From your post, it appears you have a greater need for assistance with management of your investments rather than just requiring ...
by galawdawg
Tue Mar 23, 2021 5:39 am
Forum: Personal Finance (Not Investing)
Topic: Should I apply for PPP#2 as independent contractor?
Replies: 1
Views: 226

Re: Should I apply for PPP#2 as independent contractor?

Since Bogleheads is a forum dedicated to "Investing Advice Inspired by Jack Bogle", as you consider which approach to take, you may find it helpful to think about how Jack Bogle may have viewed such a decision. From an article published shortly after his passing, this was said about Jack: ...
by galawdawg
Tue Mar 23, 2021 4:42 am
Forum: Personal Finance (Not Investing)
Topic: JTWRS Problems - what are my options?
Replies: 136
Views: 10672

Re: JTWRS Nightmare - what are my options?

The JTWRS account is setup with "&" and not an "or" so it requires 2 signatures to cash any redemption check. Does anyone know of a lawyer that specializes in JTWRS when one person refuses to sign? Am I reading your post correctly that you have not yet contacted your family ...
by galawdawg
Mon Mar 22, 2021 1:09 pm
Forum: Personal Investments
Topic: 401K Investment Options: Is This a Real Index Fund? (MXKWX)
Replies: 11
Views: 652

Re: 401K Investment Options: Is This a Real Index Fund? (MXKWX)

I don't see an issue with MXKWX. If you compare it to VFIAX and the Vanguard 500 Index Investor Shares in Portfolio Visualizer, the performance appears to track them both within 0.5%. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&...
by galawdawg
Mon Mar 22, 2021 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: House buying negotiations
Replies: 122
Views: 9884

Re: House buying negotiations

Update- Our last offer was 1.23 M. I also sent preapproval letter to the seller for 1.25 M. This was 5 weeks ago. In meantime others also saw the house. Our situation also changed and we are not so keen on moving. Seller sent me a detailed text today mentioning they had received offers above asking...
by galawdawg
Mon Mar 22, 2021 4:22 am
Forum: Personal Consumer Issues
Topic: Smoke Detector Help - 5 chirps
Replies: 28
Views: 2175

Re: Smoke Detector Help - 5 chirps

Are you able to safely check the voltage of the power supply to the location of the chirping detector? It sounds like the issue may be specific to the wiring or plug at that location. Thanks for responding. There is power coming to the location (checked), but unfortunately not able to verify voltag...