Search found 10252 matches

by stan1
Tue Jul 27, 2021 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: One month, still no counteroffer [job]
Replies: 33
Views: 1993

Re: One month, still no counteroffer

And I feel that this is quite disheartening. So many years, and they don't even bother. I've been in contact with my manager on both teams. Even they don't know what's going on, nor have any updates. They wish to keep me, but don't even know what to say to me about this. The gaining manager should ...
by stan1
Tue Jul 27, 2021 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Are Private Universities Worth It Compared to State Universities?
Replies: 151
Views: 8211

Re: Are Private Universities Worth It Compared to State Universities?

None of the Supreme Court justices went public for undergrad, so beware of that. A few of them went to Stanford for undergrad I believe. It's worth considering that I suppose. I realize this is Bogleheads and most Boglehead children will presumably be 99.9th percentile like their parents, but some ...
by stan1
Tue Jul 27, 2021 2:31 pm
Forum: Personal Consumer Issues
Topic: How to become an Adjunct Professor?
Replies: 32
Views: 1711

Re: How to become an Adjunct Professor?

Some are probably working at online for profit universities. That's a different process than at a brick and mortar research university or university affiliated medical center. At least where I live the community college side gigs are very hard to come by. You basically have to wait for someone to pa...
by stan1
Tue Jul 27, 2021 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Retention Bonuses
Replies: 20
Views: 2960

Re: Vanguard Retention Bonuses

Cheez-It Guy wrote: Tue Jul 27, 2021 11:13 am I hope they aren't doing this.
Agree, the answer to the PAS question is important.
by stan1
Mon Jul 26, 2021 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: My bizarre telcon with SSA today.
Replies: 21
Views: 3492

Re: My bizarre telcon with SSA today.

Appears they have their methods and procedures which may not be optimal or friendly, but a fraudulent claim against your SSN would be a real mess to clean up so I'd look at it as a good thing they are at least trying to prevent that from happening.
by stan1
Mon Jul 26, 2021 8:35 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Systems
Replies: 7
Views: 591

Re: Tax Loss Harvesting Systems

Use IXUS and VXUS instead of breaking out Developed and Emerging. In a pinch accept VEU but work hard to get back to VXUS or IXUS. Only use two US Total Market ETFs. Minimize duplicating holdings in taxable and retirement accounts. For example I use S&P 500 funds in retirement accounts and US TS...
by stan1
Mon Jul 26, 2021 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: My bizarre telcon with SSA today.
Replies: 21
Views: 3492

Re: My bizarre telcon with SSA today.

I'd call your local social security office.
by stan1
Mon Jul 26, 2021 4:57 pm
Forum: Personal Investments
Topic: Vanguard customer service - Experiment with Fidelity to compare
Replies: 48
Views: 3587

Re: Vanguard customer service - Experiment with Fidelity to compare

gwe67 wrote: Mon Jul 26, 2021 4:42 pm Fidelity doesn't have this cool forum.
This forum is not associated with Vanguard.
There are many posts about people using brokerages and funds/ETFs other than Vanguard.
by stan1
Sun Jul 25, 2021 2:14 pm
Forum: Personal Investments
Topic: VPAS Advisor
Replies: 27
Views: 1878

Re: VPAS Advisor

What you can be assured of is that all of their Advisors have been well trained and they use the same planning software and they use the same algorithm for determining portfolio allocation. They will keep good notes and so if you get a new person, the new person would be able to pick up where the o...
by stan1
Sun Jul 25, 2021 2:06 pm
Forum: Personal Investments
Topic: VPAS Advisor
Replies: 27
Views: 1878

Re: VPAS Advisor

Do they help with Roth IRA conversion keeping income limits in mind for ACA or medicare? RMD distributions, tax loss harvesting.... all this would be helpful. At some level of detail they will tell you to talk to a tax advisor. A person who is expert in all those areas is going to command in the ba...
by stan1
Sun Jul 25, 2021 10:55 am
Forum: Personal Investments
Topic: Sold primary home with gains, now what to do?
Replies: 12
Views: 1818

Re: Sold primary home with gains, now what to do?

With $6.5M you can do whatever you want.

I'm not sure why you sold the former house? Seems almost like you are second guessing that decision. What was the plan at the time, and what has changed to cause you to question the original strategy?
by stan1
Sun Jul 25, 2021 10:27 am
Forum: Investing - Theory, News & General
Topic: Pros and cons of Bond laddering
Replies: 24
Views: 1660

Re: Pros and cons of Bond laddering

jebmke wrote: Sun Jul 25, 2021 10:22 am also need to distinguish between a rolling ladder (constant duration) or a shrinking ladder (declining duration).
Right, I've come to learn that timing the bond market is actually more difficult than timing stock market.
by stan1
Sun Jul 25, 2021 10:21 am
Forum: Personal Investments
Topic: Startup & Tax
Replies: 5
Views: 405

Re: Startup & Tax

The taxes have to be paid at some point unless she plans to leave the stock to her children when she passes away. Risk of something happening at the company (e.g. Enron) should be more of a concern than paying taxes. I agree she should diversify if this represents the bulk of the assets she plans to...
by stan1
Sun Jul 25, 2021 9:58 am
Forum: Investing - Theory, News & General
Topic: Pros and cons of Bond laddering
Replies: 24
Views: 1660

Re: Pros and cons of Bond laddering

Would you like to limit this laddering discussion to nominal treasury bonds? Much more complicated if you want to include corporate bonds, muni bonds, junk bonds, and choose between nominal and inflation protected. Also, it's necessary to know what you are moving from (what would you sell). Do you h...
by stan1
Sun Jul 25, 2021 9:32 am
Forum: Personal Investments
Topic: Pass IRA to grandchildren to mitigate SECURE Act?
Replies: 9
Views: 1420

Re: Pass IRA to grandchildren to mitigate SECURE Act?

I'd think twice about potentially disinheriting a grand child due to parents subjective evaluation of "behaving badly". I'd just name the grandchildren as equal beneficiaries on the IRA account. As always if your net worth is over $5M or there are other complicated situations go talk to yo...
by stan1
Sun Jul 25, 2021 9:25 am
Forum: Personal Investments
Topic: VG Personal Advisor only 50/50 mix
Replies: 8
Views: 879

Re: VG Personal Advisor only 50/50 mix

You get to do what you want with a 99% success rate. I'm assuming that means 30-50X annual draw down? You can: Invest more conservatively to give you more peace of mind and less volatility Or, you can invest more aggressively for the benefit of your heirs That's the willingness part of the Swedroe a...
by stan1
Sun Jul 25, 2021 9:20 am
Forum: Personal Investments
Topic: 401k International Allocation Advice
Replies: 15
Views: 779

Re: 401k International Allocation Advice

American Funds New Prospect R6 (RNPGX) (0.42%) American Funds EuroPacific R6 (RERGX) (0.46%) Invesco Oppenheimer Developed Markets R6 (ODVIX) (0.83%) I would not use any of those due to high expense ratio and active management. Are you sure there isn't an EAFE developed markets index fund available...
by stan1
Sun Jul 25, 2021 8:49 am
Forum: Personal Investments
Topic: 401k International Allocation Advice
Replies: 15
Views: 779

Re: 401k International Allocation Advice

American Funds New Prospect R6 (RNPGX) (0.42%) American Funds EuroPacific R6 (RERGX) (0.46%) Invesco Oppenheimer Developed Markets R6 (ODVIX) (0.83%) I would not use any of those due to high expense ratio and active management. Are you sure there isn't an EAFE developed markets index fund available?
by stan1
Sat Jul 24, 2021 9:17 am
Forum: Personal Finance (Not Investing)
Topic: What is the average savings rates for bogleheads?
Replies: 241
Views: 16107

Re: What is the average savings rates for bogleheads?

Some people will count employer 401K contribution as part of their savings rate without adding the amount of the contribution to the denominator. Someone who wants to count Social Security as an asset would likely count FICA withholdings as savings. I expect many of us in our professional careers ta...
by stan1
Sat Jul 24, 2021 8:17 am
Forum: Investing - Theory, News & General
Topic: Unannounced Change at Vanguard [no Market Alerts for mutual funds]
Replies: 25
Views: 5711

Re: Unannounced Change at Vanguard

Starting with easiest first, did you happen to check your spam/junk folders?
by stan1
Fri Jul 23, 2021 9:14 pm
Forum: Personal Consumer Issues
Topic: Which Toys/Experiences Have Brought You The Most Joy?
Replies: 129
Views: 12873

Re: Which Toys/Experiences Have Brought You The Most Joy?

- Sierra Nevada and Rocky Mountains generally away from people - Deserted beaches and coastlines - Urban hiking and rail transit in places like London, Paris, New York and Washington DC (as someone who has never led a commuter life) - Living in a place where it is in the high 60s to low 70s and sunn...
by stan1
Fri Jul 23, 2021 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Looking to change careers, but feel stuck. Dissatisfied with life.
Replies: 51
Views: 6489

Re: Looking to change careers, but feel stuck. Dissatisfied with life.

I'd imagine there is a large pool of early 30s attorneys out there who have some feelings similar to you including some who are burned out in Big Law wondering whether it is worth it. I agree with a career coach if you don't have another mentor or colleague from law school that you really have a goo...
by stan1
Fri Jul 23, 2021 8:42 pm
Forum: Personal Consumer Issues
Topic: Best Meal Delivery Service?
Replies: 18
Views: 1321

Re: Best Meal Delivery Service?

We're getting into two very different areas here so we might need some guidance from the OP. Hello Fresh, Blue Apron, etc. are meal services that come as a box of ingredients and you cook them. Territory, Veestro, Daily Harvest, etc. are pre-prepared meals that you just microwave and eat. Thanks. I...
by stan1
Fri Jul 23, 2021 7:09 pm
Forum: Personal Consumer Issues
Topic: Need to buy an Outback before 8/31
Replies: 26
Views: 3775

Re: Need to buy an Outback before 8/31

I've reserved one that is supposed to arrive the first week in August. Only got the Costco $1000 off MSRP due to the market, but I don't think I can do any better in my timeframe. Good news is that demand is so high I didn't need to lay down any cash to reserve because the dealership said they've g...
by stan1
Fri Jul 23, 2021 7:00 pm
Forum: Personal Consumer Issues
Topic: any reason NOT to get my catalytic converter etched through my local police dept
Replies: 57
Views: 4301

Re: any reason NOT to get my catalytic converter etched through my local police dept

Seems like security theater to me. Enables the town and police department to tell voters they are doing something but they are doing it on their terms and timeline in their location with no effect rather than being out patrolling the streets and parking lots in wee hours of the night when the crime ...
by stan1
Fri Jul 23, 2021 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: How Much for a Consulting Fee?
Replies: 27
Views: 2692

Re: How Much for a Consulting Fee?

Make sure your employer will allow you to speak to them. Sometimes it doesn't matter. Other times it is a very big deal and the answer might be "no".
by stan1
Fri Jul 23, 2021 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Dad may need nursing home or alternate solution
Replies: 32
Views: 2354

Re: Dad may need nursing home or alternate solution

Spend down his assets until he qualifies for Medicaid.

Does he have a spouse? If so seek out an elder care attorney.
by stan1
Fri Jul 23, 2021 11:56 am
Forum: Personal Investments
Topic: If you had No Significant Pension or SS what asset allocation would you chose for a 30 year time period?
Replies: 20
Views: 1291

Re: If you had No Significant Pension or SS what asset allocation would you chose for a 30 year time period?

Agree it depends. Advice needs to be specific to you not general. Someone who is 60 with $500K would get a different recommendation from me than someone who has $5M. No matter what asset level someone who has annual expenses of $30K (lean with little to cut) would get a different recommendation than...
by stan1
Wed Jul 21, 2021 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a view easement?
Replies: 18
Views: 1891

Re: Buying a view easement?

Bring in a top tier real estate attorney. This involves multiple presumably high net worth people including you, your neighbors, a seller who needs to be willing, plus eventual buyer (meaning it needs to be bullet proof without a loophole). Also maybe eventual buyers of your home and your neighbors ...
by stan1
Wed Jul 21, 2021 8:42 pm
Forum: Investing - Theory, News & General
Topic: Why Jack Bogle Doesn't (Didn't) Own Non-US Stocks
Replies: 54
Views: 5044

Re: Why Jack Bogle Doesn't (Didn't) Own Non-US Stocks

I'd recommend reading this page (including the links)
https://investor.vanguard.com/investing ... -investing

Do you think Jack is right or do you think Vanguard is right? Why?
by stan1
Mon Jul 19, 2021 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: FSBO Lockbox - Buyer Agent Verification
Replies: 34
Views: 2490

Re: FSBO Lockbox - Buyer Agent Verification

I agree it is one of these local customs that can vary. In my area buyers see a house without a lock box as being a hassle to tour and potentially an indicator of a seller that is not serious. In this high volume market (decent supply of high quality houses, lots of buyers) a seller who puts a house...
by stan1
Mon Jul 19, 2021 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: How To Pay For Assisted Living?
Replies: 24
Views: 2896

Re: How To Pay For Assisted Living?

There are some people in assisted living that are still doing mostly okay, but would like to have meals provided, some social activities, a bit of help (like transportation to grocery stores) etc. Sometimes couples will move in when one of them is fine, but the other is not so fine. And it's clear ...
by stan1
Mon Jul 19, 2021 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken question
Replies: 20
Views: 1226

Re: Quicken question

reconciliation. What's that? My bank hasn't made a math error in decades. I just look for any spurious charges that might be indicative of fraud, but haven't had any of those for a few years now either so I think the machine learning algorithms developed by FICO and others have shut down whatever v...
by stan1
Mon Jul 19, 2021 5:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard app/site feature wishlist
Replies: 15
Views: 1082

Re: Vanguard app/site feature wishlist

Compressed viewing mode for people who don't like having to scroll to see multiple accounts on a large computer screen. Recurring auto invest of dollars into ETFs using fractional shares (ideally bought at NAV not randomly throughout the trading day -- hey one can ask and I do realize that this as i...
by stan1
Sun Jul 18, 2021 6:43 pm
Forum: Personal Investments
Topic: can a Roth IRA be rolled over into the TSP (Thrift Savings Plan)?
Replies: 6
Views: 558

Re: can a Roth IRA be rolled over into the TSP (Thrift Savings Plan)?

Other than one fewer account I don't see any advantage to rolling over a Roth IRA into a Roth TSP account (even if one could). SIL could roll over her advisor Roth IRA to Vanguard or Fidelity and invest in index funds that have lower expense ratios than the TSP. A Vanguard Target Retirement fund wou...
by stan1
Sun Jul 18, 2021 1:33 pm
Forum: Personal Investments
Topic: Asset Allocation for elderly person
Replies: 12
Views: 872

Re: Asset Allocation for elderly person

Thanks Everyone. These are some good things to think about. After reading the replies, I'm a little less nervous and will probably just leave it alone. Are you or a sibling set up to become his financial power of attorney if that becomes necessary using the form accepted by his bank/broker and does...
by stan1
Sun Jul 18, 2021 1:04 pm
Forum: Personal Consumer Issues
Topic: Need to Replace a Macbook Air. Recommendations?
Replies: 40
Views: 2921

Re: Need to Replace a Macbook Air. Recommendations?

Any comments on " iPad - with a keyboard"? I'm curious. Personal preference. My spouse uses iPad with keyboard for email and web browsing while sitting in a family room chair. Uses my laptop in our office on occasion when a Word document or Excel spreadsheet needs to be edited. OTOH I do ...
by stan1
Sun Jul 18, 2021 12:55 pm
Forum: Personal Investments
Topic: Asset Allocation for elderly person
Replies: 12
Views: 872

Re: Asset Allocation for elderly person

If he has a pension that covers all of his expenses and he would sell his paid off home if he needed long term care he may be fine.

Put another way, the details always matter.
by stan1
Sat Jul 17, 2021 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: My house isn't selling
Replies: 228
Views: 36265

Re: My house isn't selling

Made out great in the inspection because the buyers already were “getting a deal” - I thought it was fair to everyone. There are buyers who will want a deal on the sale price and then again on the inspection. Some people just are that way. Multiple offers and a backup offer may help a little on that.
by stan1
Sat Jul 17, 2021 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs. Fidelity
Replies: 67
Views: 4758

Re: Vanguard vs. Fidelity

bloom2708 wrote: Sat Jul 17, 2021 10:45 am Don’t just do something. Stand there.
Actually I'd figure out what's best for the short term and do it.
Can always transfer somewhere else in the future. It's very easy to do these days.
by stan1
Sat Jul 17, 2021 9:13 am
Forum: Investing - Theory, News & General
Topic: Gen-X Boglehead Thoughts
Replies: 110
Views: 16006

Re: Gen-X Boglehead Thoughts

2.) I would consider myself an apostle of Vineviz because the first 20% of my Bonds are LTT. 6 months ago, I had 0% Bonds. What changed? Realizing that my portfolio was 1) not diversified enough and 2) I couldn't stomach a 40-50% drop of my retirement accounts. Not owning LTT as a core tenet of you...
by stan1
Fri Jul 16, 2021 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: How to find a tenant to takeover lease
Replies: 34
Views: 2457

Re: How to find a tenant to takeover lease

You could also negotiate a buyout, guessing it will take 3-4 months of rent to do so and still less than 8 months. If the landlord uses a property manager she may also ask for you to pay their fee. Make sure you include the security deposit return as part of the negotiation if you take that route. Y...
by stan1
Fri Jul 16, 2021 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: My house isn't selling
Replies: 228
Views: 36265

Re: My house isn't selling

Our neighbor just listed their home for $100k less than the Zillow estimate. It sounds like the market is jumping the shark. This might be a strategy to get multiple offers which is the best way to find what a buyer is willing to pay at the moment the house is listed. It's a little scary for the se...
by stan1
Fri Jul 16, 2021 6:14 pm
Forum: Personal Investments
Topic: Tax implications of switching broketage?
Replies: 8
Views: 726

Re: Tax implications of switching broketage?

Make sure the cost basis is correct before you start another transfer if you have taxable accounts. If cost basis is not correct it will be very hard if not impossible to get it corrected after multiple transfers.
by stan1
Fri Jul 16, 2021 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Application Appt.
Replies: 7
Views: 854

Re: Social Security Application Appt.

I'd call your local social security office and ask. Timelines are going to vary by office given they are still working virtually. I don't think any local SS field offices are open for in-person interaction right now.
by stan1
Tue Jul 13, 2021 8:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard buys Just Invest.....
Replies: 75
Views: 8525

Re: Vanguard buys justinvest.....

I don’t know what Vanguard is doing, I don’t know what Vanguard should be doing, but, yeah, I have a definite feeling that I don’t like it. They are morphing into something and I don’t know what the vision is. I'm going to go into creative mode, so maybe this isn't the most likely outcome but its d...
by stan1
Tue Jul 13, 2021 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Special assessment advice
Replies: 44
Views: 2213

Re: Special assessment advice

If it was me I would work 6 months longer with a $100K/year salary if I had that choice and just clear this expense off the books with cash flow from income before I retired (esp with a $20K emergency fund).
by stan1
Sun Jul 11, 2021 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Home sale with > $250k cap gain: IRS underpayment penalty?
Replies: 14
Views: 1301

Re: Home sale with > $250k cap gain: IRS underpayment penalty?

A friendly tip…don’t forget to look into adjusting the cost basis for for improvements. But doesn’t include maintenance (roofing) or decorating ( paint, wall paper). It actually does include a replacement roof (not patching). https://www.irs.gov/pub/irs-pdf/p523.pdf Page 8 -- new roof is a ok But j...
by stan1
Sun Jul 11, 2021 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Home sale with > $250k cap gain: IRS underpayment penalty?
Replies: 14
Views: 1301

Re: Home sale with > $250k cap gain: IRS underpayment penalty?

If you closed June 1 or later you aren't late, estimated tax would be due September 15.
https://www.irs.gov/faqs/estimated-tax/ ... ividuals-2
by stan1
Sat Jul 10, 2021 9:08 pm
Forum: Personal Investments
Topic: How to rotate out of an ETF into another similar one without a taxable event?
Replies: 27
Views: 2028

Re: How to rotate out of an ETF into another similar one without a taxable event?

Wait until you have capital losses, sell, then buy. I'd make case that IVV and SPY are not substantially identical because SPY is a unit investment trust. No one knows whether the IRS would accept that differentiation. IRS and tax courts have had over 20 years to make a decision but have not done so...